BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$80.00} XXXX XXXX XXXX {$6500.00} XXXX  XXXX {$9900.00} XXXX {$1000.00} XXXX {$870.00} XXXX {$1700.00} XXXX {$8000.00} XXXX XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I n accordance with the Fair Credit Reporting act U.S. Bankruptcy XXXX XXXXXXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX and TransUnion are trying to get me to buy and use their own products to protect my credit after the XXXX security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I started having issues with my American Express Gold Card, without my knowledge or consent they reduced my credit card limit from {$10000.00} to {$3000.00} causing my credit balance to be very near it's limit. Around the same time by AMEX XXXX XXXX kept taking out the balance due from my automatic payment when should have had it set at minimum payment due. I called and spoke to multiple customer service reps and was told that my card will be set at minimum payment. When my next payment was due it again tried taking out the balance due causing my bank account to return the payment and I was charged multiple return fees of {$29.00}, totaling {$140.00} in fees. I again called AMEX to inquire why the issue was continuing to happen. I was basically told that it was my fault for not having enough funds in my account. Around the same time, I was also dealing with the credit limit reduction, I was told if I could pay an extra {$650.00} for the month of XXXX that they would consider increasing my credit limit again. The stress that the return fees were causing me and not being able to get a clear answer or solution from American Express I decided to pay off the XXXX XXXX to get the balance to XXXX, I paid {$790.00} on XX/XX/2022. I spoke with another customer rep to see if AMEX would be able to take in consideration that since I just paid one card off, and I wouldn't be able to make the {$650.00} payment to the Gold Card to have the credit limit increased. I asked if they would help me since I wouldn't have the money to make that payment and I was told no because both card are not the same and they are not able to assist me. At this point I have had no luck with any help from American Express and then XXXX, 2022 they cancelled both of my credit cards, without my knowledge or consent. I was told because I was late on payments, and that my credit balance is very close to it's credit limit that they made the decision to cancel both cards. I have been on time with my Gold Card, never missed a payment, with the blue card the issues were addressed with AMEX but never resolved to the point that I just paid the card in full. I can not express how much stress and anxiety these issues have caused me, I lost my job due to covid and I am finally working and trying to catch up with bills and they canceled my cards and have put 2 negative inquires on my credit score. If American Express did not reduce my credit limit, I wouldn't be near the cards credit limit and if they would have resolved the minimum payment issues when I called, I wouldn't have been late on payments. I tried to reach out to them with these issues and did not help me but instead canceled my cards, which is going to cause credit issues for me down the line, I feel very unfairly treated and bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: U.S. BANCORP
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a co-signer to a private student loan from US Bank. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX XXXX XXXX, that I owed {$3700.00}. Off guard and shook, Mr. XXXX said that I was the co-signer to a student loan, last payment received was {$37.00} on XX/XX/XXXX, and the balance is due within 30 days. I explained that it was my youngest XXXX  and I do not have contact information. We are estranged because of other matters. I gave him the last phone number I had. That was not good enough and kept repeating himself trying to get me to commit to paying this off. He then offered to settle this matter for {$1900.00}. I told him I wanted more information. I then received a letter postmarked XXXX and then another XX/XX/XXXX summarizing the offer, threat of judgment etc. After this encounter I have been receiving phone calls since XX/XX/XXXX daily with messages on my answering machine. 
I am retired and live on a pension and social security, I have always paid my bills timely and achieved a very good credit rating. I am asking for help to navigate this mess. As of date, I have not received a copy of the original agreement. 
Thank you. ( I would have to send copies of letters under separate cover ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) TransUnion is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 )  XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Strategic Alliances, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received phone call from a XXXX XXXX, representing First Financial Asset Management, located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, GA XXXX. 

Before verifying my identity over the phone, XXXX XXXX began releasing medical debt information ( hospital, dates, patient info ). I had asked her to refrain from doing so, but she insisted that my identity was verified ( it was n't confirmed who she was speaking to ). I asked for a supervisor and the call was passed to a XXXX XXXX ( sic ) who then transferred me to his supervisor, XXXX XXXX. Throughout this call, my identity was not confirmed, but information was released with regards to the subject of their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im starting to grow frustrated with Experian, I sent over a police report last week via XXXX when I found out that I had become a victim of identity theft. 

I sent XXXX XXXX XXXX  a copy of a letter, police report, identity theft affidavit from the FTC & a copy of the FCRA 605b report & Experian responded with a letter refusing to block the information citing that the account had been disputed many times. Once I sent the dispute in 2020 stating that the debt was not mines & it came back verified I tried disputing the way it was reporting only for them to verify the information as accurate. After sending XXXX XXXX Bank a XXXX XXXX to receive everything pertaining to the debt such as a copy of the online application. It came back with an address that Ive never been associated with which validated the reason that I didnt believe the debt belongs to me. I had my proof so I went & filed a police report & FTC affidavit to have the information suppressed & just got an email from Experian all but accusing me of using a falsified police report to suppress the account. This is not only defamatory but also irresponsible because they refuse to do their job

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive been unable to receive my free annual credit report from XXXX and Equifax for the past two days ( XXXX ). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( XXXX ) or the site can not be reached ( Equifax ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent Equifax data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a XXXX XXXX account on my Chexsystems report and they didnt remove it off my file and I paid that balance in full. And Im requesting they reopen the investigation.. I never applied for this bank but I Did paid off the balance I dont owe {$400.00} I owe the bank XXXX and I need this corrected and remove I dont owe this balance at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed bankruptcy XX/XX/XXXX. I was an authorized user on this credit card ( Navy Federal Credit Union ). My husbands credit report shows this account is included in the bankruptcy but on my XXXX   credit report it is showing this account as being currently late and with the remarks : Bad debt & placed for collection & skip. I disputed this incorrect information in XX/XX/XXXX and the beginning of XX/XX/XXXX. It has still not be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, due to negligence, has leaked my personal information. I have attempted to contact Equifax to free my credit, and they only seem to be interested in SELLING me credit monitoring services. It is completely unacceptable that Equifax is going to be able to PROFIT from their negligence.

Company response to consumer: Closed with explanation