BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX, I contacted EXPERIAN regarding inaccuracies on my credit report. To this day, I have not received a response. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1100.00} ). Please remove it from my credit report. 
The following account contains inaccurate information : XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$1600.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report. 
The following account contains inaccurate information : XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I was never late on any payments for this account, and I request that you correct this information 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 2022-02-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was online looking for different ways to make money and on apps asking for gigs. I kept getting scammers in my account for me to sell feet pictures and for online sugar daddies. Well one person was calm and understanding of my situation. They didnt ask me to do anything illegal and basically stated they just wanted to help and didnt live anywhere near me. I work fulltime in Law Enforcement, but my vehicle kept breaking down, my bank account was overdrawn, my apartment was giving me a hard time and job stress so I was desperate. So I entertained this person and ended up giving my account number, routing number, first and last name. I probably gave my city as well. But then he asked for my login and I joked a bit before I blocked him thinking he couldnt do anything to me. 

I played with fire out of desperation. I thought I could outsmart one because so many were messaging me. But I didnt realize how much I didnt know about scammers. 

I got a message like a week later saying my bank account was XXXX. I freaked out but thought I could just go to Huntington and have them cancel the payment. I went to the branch and didnt receive much help. Found out someone walked into a branch somewhere in the US and deposited the fake check in my account. So it bounced and now my account is being investigated for fraud and I lost any money I had. I also have no access to my account. 

I dont understand how someone was able to deposit such a large check with the wrong address and large amount when the bank account never had more than XXXX. 
I finally found pieces of information but the account is gone of course and the person doesnt exist. 

No information should be given to anyone. But now I have no way to do my banking and have to change everything, let alone worry about other things they have access too. 

The bank said there was nothing else that could be done and it would be 90 days of a frozen account. 
And no solutions or real help was offered. 

My account is now at {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is a XXXX XXXX account reporting on my consumer reports on both consumer reporting agencies. ( XXXX and Equifax ) I want this account removed because it is an incomplete account and a paid off debt that has been closed since the year 2016. That statute of limitations on debt is 6 years in Tennessee. It has been almost 7 years later. The account is inaccurately reporting on both consumer reporting agencies and pursuant to the Fair Credit Reporting Act of 15 USC 1681e ( b ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account mentioned is incomplete and therefore inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
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 this Creditor : XXXX XXXX has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it aslo states a consumer reporting agency can NOT furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not a payment on a credit car/loan account under an open end consumer credit plan as late for any purpose. 
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 explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CA
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:
Someone stole my identity and opened credit cards with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: CA
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:
Someone stole my identity and opened credit cards with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While looking into my Credit Reports I have noticed the following account had a discrepancy in the last activity section of listing. 
Date Of Account opened was XX/XX/XXXX Account reported XX/XX/XXXX? 
How is the supposed verified information listed on my credit profiles different from one another? Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date PLEASE DELETE These items immediately XXXX XXXX XXXX XXXX Also the XXXX XXXX This account is closed on my XXXX It should be removed from my Experian XXXX and XXXX The debt is closed on all credit reporting agencys, yet its not removed. 

The date the account was opened compared to the amount of late payments makes no sense. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists

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 2023-04-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, I deposited a check issued by XXXX XXXX XXXX at a Huntington ATM. The ATM misread the check amount as {$820.00} rather than {$620.00}. I caught the error in the first XXXX and entered the correct amount on the ATM, but missed the second XXXX, so the deposit read XXXX. On XX/XX/XXXX, 7 days later, I received a letter stating simply that 'Your account has been debited {$620.00} Please adjust your records accordingly. ' There was no further action taken. I called on XX/XX/12 and after being placed on hold several times and transferred once for over 50 minutes, the response was 'We 'll file a claim to see if it can be credited. You'll need to send us a copy of the check. It will take 3 to 5 business days for an answer. ' They had the check! They sent a copy TO ME. I called XXXX XXXX XXXX, and they did not receive it back and said the check should have been simply redeposited for the correct amount. 

Instead, 20 days after I deposited the check, I received a call saying that the check was non-negotiable and would not be re-deposited. The reason given was that the check was altered. I again explained that the check was not altered. It was for {$620.00}, which the copy they sent me clearly showed. The ATM simply read it incorrectly. The check was valid and negotiable when I deposited it. I asked how it had been altered, and the representative, XXXX XXXX at XXXX refused to tell me. I asked that they call the issuing bank to verify it, and was told no. I asked that they send me the check back, and I was told it had been destroyed. 

The copy they sent to me with their original letter did not appear to be altered in any way. Banks should not be allowed to mishandle funds in this way with no recourse. Consumers should not be responsible for bank errors and the charges and loss of income incurred as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Viking Client Services
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Viking Client Service LLC attempted to collect a debt that was already paid. I have sent them proof of payment aka credit card statement, they reported to credit bureaus before my validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: OH
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 received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
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 explanation
Consumer complaint received 2019-06-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
MY LOAN ENDED IN XX/XX/2019, THERE ARE CHARGES FOR MISSED PAYMENT AND FEES THAT REMAIN ON MY ACCOUNT. PAYMENTS AND FEE THAT I AM NOT AWARE OF. NEED BREAKDOWN ON THESE FEES AND MISSED PAYMENTS. STATEMENTS NEVER REQUESTED FEES DUE UNTIL NOW. {$3700.00} BALANCE {$1800.00} FEES DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Re : CC # XXXX Purchases at XXXX XX/XX/XXXX for $ XXXX blocked by Barclays, also at XXXX XXXX 1 hour later. Contacting Barclays claimed under The US Patriot Act, failure to update my info, though every company I dealt with ( Barclays too ) were informed my new address in XXXX including Federal Govt and its relevant agencies. No other companies request updating my info since XXXX, except Barclays, which I refused. Barclays never will provide proof they requested updated info, prior to blocking purchases with the JetBlue Credit Card # XXXX. The account showed OPEN with Credit Reporting Agencies, when in fact, Barclays placed a BLOCK on my use of it, a lie. 
Barclays sent me credit cards/bills, were paid in full. However, my check # XXXX ( {$550.00} ) dated XX/XX/XXXX, mailed same date to Barclays XXXX XXXX XXXX, XXXX, PA.XXXX took 23 days for Barclays to process, they charged {$29.00} & interest late fees, which I refused payment and they cancelled charges. Barclays has dishonest, crooked employees. I have not moved since XXXX. When I do, all will be notified. Subsequent bills showed Barclays received/processed payment in 6 days from my Bank 's statement.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: PA
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:
I received my credit report on XX/XX/2023 and noticed that there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I have already reached out to the credit bureaus about this multiple times and there is a continuous violation of my rights under 15 USC 1681b. I have also attached the inquiries that have no purpose to be on my credit report. They say car loans and all have the same date. Provide all documents that permits permissible purpose for such 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 2023-03-10
Company: Experian Information Solutions Inc.
State: MS
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:
I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXX Bank 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 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 2023-04-24
Company: EQUIFAX, INC.
State: KY
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 XXXX 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account 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 section 2 : 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 2023-04-24
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX These addresses above are on my report and are not past addresses for me, 1 is my sisters and 2 are my parents which I never lived with. 

This name is included on my report and is not correct, 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 2020-03-21
Company: EQUIFAX, INC.
State: VA
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 have reached out to Equifax by mail and phone, Equifax has refused to remove inaccurate information appearing on my credit report. Equifax is reporting three ( 3 ) XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Despite XXXX XXXX being able to validate the accounts, Equifax refuses to comply with the FCRA and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-04-13
Company: EQUIFAX, INC.
State: NV
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 report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.

Company response to consumer: Closed with non-monetary relief