BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: KS
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:
*This is not a duplicate complaint. ** This is not a request for an investigation or reinvestigation. ***This is not a matter that is in need of verification or validation. I am the original creditor and do not verify or validate this. Experian is illegally and repeated posting information om my credit report that Congress deems to be illegal pursuant to 15 USC 1666b number a. It reads and stands as law as follows : A creditor may not treat a payment as late on a credit card account under and open ended consumer credit plan for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Therefore, this is illegally posted on my report and needs to be removed immediately. 

XXXX XX/XX/2021 acct XXXX 30 days late XXXX XX/XX/2021 acct XXXX 60 days late Please remove immediately. Thank you

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 2017-06-15
Company: LEXISNEXIS
State: MO
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:
I filed a joint chapter  7  bankruptcy on  XXXX   XXXX ,   XXXX   with my spouse. That bankruptcy was discharged on  XXXX   XXXX  of   XXXX  . My credit report with   XXXX   is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted   XXXX   and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since  XXXX  of this year, I have spoken to at least  8 dif ferent reps. Toda y (   XXXX   XXXX  ) after my husband viewed his report, it showed that  Lexis Nexis  was the vendor that was reporting this information to  XXXX . I talked to  XXXX  with lexis nexis today (  XXXX   XXXX   )  at  XXXX  CT. She told me that they were the public record vendor for    XXXX  .  She also told me that lexis nexis is reporting  MY  bankruptcy information to   XXXX  , but   XXXX   is not obligated to report any information about my bankruptcy on my credit report. She directed me to call  XXXX . So I called  XXXX  again today and spoke to  XXXX  at  XXXX   XXXX   XXXX  told  me  it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked  XXXX  if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as  discharged  in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: St.John Cobb Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never received bill for these services which should have been paid by my insurance. I wasn't aware of this bill until I pulled my credit report 7 months ago and saw this was in collections, negatively effecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was a debt originally with XXXX XXXX Bank in the amount of just over {$500.00} ; however, I lost my job during COVID-19 and was not able to make payments. I eventually got a job but with fewer hours and reduced pay - could not afford payments. I contacted XXXX XXXX Bank to notify them of my hardship but they were not helpful. Now, I see this on my credit report for an amount of over {$900.00} - which is FALSE. The last payment made on this XXXX  XXXX account was in 2020... it should not be this high!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX 2. Validate Account XXXX XXXX Account XXXX : XXXX 3. I was never late. Send proof that you did a proper independent investigation XXXX XXXXXXXX Account Number : XXXX 4. I was never late. Send proof that you did a proper independent investigation XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX A Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Validate Account XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Basically The Problem Is I Have XXXX XXXX Account. I Frequently Use It With XXXX. My Credit History Is Not Reporting XXXX XXXX On Any Of The Bureau 's, Every Credit Company That Has Statement Dates So On And So Forth Needs To Be Reported Immediately, This Is Something That Needs To Be Shown And Not Hidden. Please Thank You, It'll Be Greatly Appreciated. Failure To Report My Statements Is A Very Serious Problem

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 2021-05-12
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX I ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX XXXX XXXX ( XXXX  ) 0XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX MORTGAGE XXXX ( XXXX ) XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have for over a year now been in Constant communication with National credit systems about the fraudulent activity they have been permitted to get away with. They are reporting derogatory data to XXXX when THERE HAS NEVER BEEN A CONTRACT between the consumer and this company. Despite even litigation this company continues to harm the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: GOLDMAN SACHS BANK USA
State: MO
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: Was not notified of investigation status or results

Complaint:
Why do investors have the right not to show their name on the consumers credit report. When the consumer has a Mortage with their company. Does the name of the investor have any effect on the consumer credit report. This has happened to me. XXXX who is the monitoring agency not Goldman Sachs. XXXX had to request permission to give me the company I am paying my money to every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
Basically The Problem Is I Have XXXX XXXX Account. I Frequently Use It With XXXX. My Credit History Is Not Reporting XXXX XXXX On Any Of The Bureau 's, Every Credit Company That Has Statement Dates So On And So Forth Needs To Be Reported Immediately, This Is Something That Needs To Be Shown And Not Hidden. Please Thank You, It'll Be Greatly Appreciated. Failure To Report My Statements Is A Very Serious Problem

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 2022-09-11
Company: Absolute Resolutions Corp.
State: OH
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: Problem with personal statement of dispute

Complaint:
Absolute Resolutions ( Debt Collector ) has a collection on my credit reports that I paid {$2700.00} to settle the debt. They marked it as paid but did not remove the collection as agreed once payment was made.

I paid as agreed and they didn't keep their end of the deal by removing the collection.

The original collection is at the 7 year threshold and should have been removed.

This is harming my credit rating. Please advise. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: WELLS FARGO & COMPANY
State: MD
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: Problem with personal statement of dispute

Complaint:
I opened a secured credit card with  Wells Fargo , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my  credit score.  And I have yet to receive any letters on what happened with the deposit.

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 2017-06-15
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
All  XXXX  credit reporting agencies show a balance of {$37.00} on a credit card account ending in  XXXX  under  CBNA  sinc e 2011. I do not have an account like that and I certainly do not owe any account since 2011 and have not received an y notification of such a debt. I want it removed from my credit reports.

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 2021-10-28
Company: PNC Bank N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This was a closed account at XXXX when PNC took it over. I had made a compromise agreement with XXXX to pay a balance on a closed account under their terms and at a lower interest rate. XXXX did not allow me to pay online, so I mailed all payments when required. The minimum payment for the last few months have been {$13.00} or {$14.00}. When PNC took over the account, they raised the minimum payment to {$27.00}. I called the bank and after a XXXX hold, a representative named " XXXX '' told me that I had been mailed a notice of the change in terms by PNC. I do not believe PNC can change the terms to which I agreed with XXXX on a closed account. I understand that if XXXX could force me to mail checks to Alabama, PNC can probably force me to mail checks to Pennsylvania, even though this costs both of us more money. But it would be nice if they were more customer-friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Yesterday on XX/XX/2017 It was brought to my attention by Wells Fargo cus rep that some been using old account of mines ( debit cards ) that 's was stolen I file disbursement immediately Wells Fargo XXXX on XXXX try to force me to give false information and discrimates causei had to right my pin down to help me remember due to a XXXX XXXX refuse to file my claim cause I refuse to all her to force me against my will to give false information unless it this lady XXXX committing these false act herself using my identity base on her behavior attempting to force me to give false information against my wil and refusing to file my claims once I notice the fraudulent activity

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi there, I called TransUnion customer service on  XX/XX/XXXX  about the technical error they had with reinsertion of previously deleted information and hard inquiries glitch. They refused to help me and did n't delete my hard inquiries. Those are the hard inquiries which should be deleted : Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :   XXXX      XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  via  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX  Date :  XX/XX/XXXX  All previous hard inquiries should be deleted.  <P/> Thank you

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 2022-09-11
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to dispute the Ability Recovery Service XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this keeps on reporting inaccurately in my credit report because I dont recognize that account base on the report of Ability Recovery Service . Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : XXXX ) Date when the account was opened is inaccurate, reporting and violating the FCRA laws because I havent opened any account this year in the institutions mentioned above in my XXXX credit report, please provide in writing the agreement of this account. This type of manipulation puts me in financial harm as it shows that account in collections in my credit report. Attached to this file there is a copy of my XXXX Credit Report. XXXX ) The account doesnt show payment history or monthly transactions reporter. This manipulated my credit score intentionally as the report attached do not shows updates and changes in the account. XXXX ) No credit Limit at all, no higher balance and neither payments to the account. I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!

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