BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MI
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 have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX, a consumer, am submitting this complaint against Transunion and there is no third party involved. Transunion has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Transunion can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT TRANSUNION DELETE THEM FROM MY CONSUMER REPORT. Otherwise, they are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Transunion has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. if applicable, ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my ID and utility statement is how my name should be spelled. XXXX XXXX. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name ( ID ) and correct address ( UTILITY STATEMENT ). I DEMAND TRANSUNION TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Transunion is now liable for damages of $ 1000/violation for Civil Liability for willful noncompliance, which Transunion has failed to comply. This also includes any actual damages.

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 2016-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
My XXXX XXXX on XXXX/XXXX/2016 was canceled and was rescheduled for XXXX/XXXX/2016 at XXXX that was rescheduled for XXXX/XXXX/2016 at XXXX That flight was good to go and l took it. 
do to these cancelations l had added cost. 
XXXX {$89.00} XXXX {$90.00} XXXX {$25.00} XXXX {$85.00} XXXX {$100.00} XXXX {$35.00} These were all additional cost that l had to cover out of pocket do the the cancelations that l had to endure. 
for a total of {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of XXXX XXXX/violation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XXXX I placed a furniture order on amazon.com website using my synchrony bank/amazon store credit card. The merchandise was a upposed to arrive no later than XXXX. I made complaint to amazon.com as well as such r ony bank abt nonreceipt of furniture. Amazon put me in touch with furniture company but they never followed up with me. I put a complaint with amazon customer service and they said fed ex delivered to my garage. I have no garage. I made payment towards my synchrony card for XXXX. I am on a deferred payment plan for 12 months to pay full amt of XXXX. Synchrony bank still has my account under investigation since XX/XX/2021 and at this point I just want a refund.

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 monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-27
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is fraudulent. I NEVER signed a contract with them, I was not asked for permission for them to report on my credit report and they have yet to supply me with needed information that I requested, yet they continue to malign my name and use my PERSON INFORMATION to lie and try to extort through my credit report. No good.

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 2022-10-27
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My card has had a XXXX balance since XXXX. Company sent me refund for overpaying towards balance on card in XXXX. Company says they report their account info to credit bureau every month. My credit report still states a XXXX XXXXXXXX balance on the card on multiple credit report agencies as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
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:
XXXX, XXXX and Experian have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall XXXX XXXX dispute number XXXX I also called Experian and XXXX XX/XX/2022 and filed fraud claims as well XXXX is reporting 20 hard inquires on my credit file and I had 0 inquiries last month when I called to check upon speaking with the XXXX agent she made me aware that there were 20 inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!

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 2016-12-28
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is an old fraudulent, Identity theft account I had removed in XXXX it looks like it was sold to XXXX XXXX XXXX and just showed up on my credit report as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2018, I tried to access my account and I realized it was frozen.I recieved a letter 2weeks later stating my account will be closed and my funds sent in form of a check to me.I waited until XX/XX/2018 and called customer care who could not give me an answer, finally I was able to get through to the legal department through customer care agent because the legal department does not speak with customers directly.I was told my account was flagged for possible fraud and assigned to a detective XXXX and I was given the phone number ( ( XXXX ) XXXX ) Its been XXXX now called the number and I was told I do not have any active case and besides I was not within their jurisdiction.I have called Bank of America over 50times in the last XXXX years nobody can give me any answers about my account.My account no XXXX my address is XXXX XXXX XXXX XXXX Florida XXXX.I still recieve statements every month.I want my money and accrued interest for all the pain and suffering I have endured for no crime at all.My complaint and issue is with Bank of America .

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 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/15 I disputed this debt with Transunion as well as the collector claiming that I am no longer liable for the account. Debt Collector agency is XXXX which bought the account from the original creditor XXXX. The amount in question is {$750.00}. I closed my account with XXXX at the end of the service agreement period and I do not owe this money.

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 2016-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I send a disputed to the CB for inaccurate information report on my credit report.

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
The school I attended went out of business and I 'm receiving countless harassing phone calls on repaying this loan for a school that is no longer in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted numerous times to explain to Capio that I had paid this balance, and my college told me I had to call and pay them. I paid the balance twice, and Capio also verbally told me on the phone that they would remove from credit reporting once paid. Now that my college has a payment tracking system online, I was finally able to obtain a receipt of the payment to the original creditor. With this now being received, I am hoping they will finally remove this account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged Original creditor : XXXX XXXX XXXX Amount : {$600.00} Collections account opened : XX/XX/2019 Account has been disputed via XXXX  and XXXX   Debt is not mine. Company refuses to remove collections accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . The  Collection Agency Convergent Outsourcing , Inc. is   the  XXXX  reporting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.

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 2021-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. Portfolio Recovery Associates still report incorrect and negative items although they said they would stop collection actions. Portfolio Recovery has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my transunion credit report XXXX collections were deleted. I notice the deletion on XX/XX/XXXX and today XX/XX/XXXX I noticed they are back on with the same collection agencies.I never received any notice in writing from them to put them back on my report for whatever the reason may be. I called transunion to ask why are these collections reappearing he, XXXX stated something about a composition glitch. I could of misheard him to his strong accent. Than he hung up on me. So I come to you due to major aggravation and no understanding. I want them deleted like they should have been. When did it become ok to take items off and just put them back on and deal with rude csa agents at the bureau? Help Me, please

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 2016-06-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts that do n't belong to me : XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX, XXXX XXXX XXXX , 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 2021-03-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a credit of {$27.00} and was told to send a check to Home Depot Credit Services with 16 digit code so that they might credit my checking account. Rather than crediting my account, they sent another {$27.00} from my account TO home Depot! 
Now I have another statement with a credit for {$55.00} with instructions to do the same thing. Fool me once ... ...

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 2021-03-16
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Extreme difficulty and frustration in logging into the new servicing center recently hired by the my Mortgage Company TIAA Bank. TIAA Bank recently hired XXXX to service the mortgage accounts. The XXXX XXXX Website is defective and will not allow me to enter the website to make my payments. The login procedures do not recognize my account number or social security number causing frustration and delay in making my mortgage payments. I have to call into the XXXX Customer Service which is incorrectly listed on their website. I have wasted 45 minutes trying to make my mortgage payments. 

Need XXXX to merge my correct loan number and social security number and to purge my current loan sign on id and password so I can create a new id and password that can be merged with my correct loan number and social security number.

Company response to consumer: Closed with explanation