BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a letter from Comenity Bank stating the following : Please call us to finish processing your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, we want to thank you for your recent application to open an account. 
We need to hear from you within 14 days to complete the application process. We're pleased you'd like to join the XXXX XXXX 's XXXX XXXX credit card account family.... 
Again, we appreciate your interest in opening an account with us, and please accept our apologies for any inconvenience for this process. We look forward to talking with you. 

We have NEVER applied for a credit card with this company or with this bank. I pulled my annual credit reports, and it does show soft inquiries on my social security number but NO hard inquiries. 

This is very deceptive and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all XXXX of my credit reports. 2 of the alerts expired in XXXX of XXXX and one expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called XXXX this morning because I received an email from one of my creditors that XXXX mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called XXXX and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how XXXX and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. XXXX also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XXXX and XXXX have failed to validate the debts for the accounts under 15 U.S.C. 1692g The accounts are as follows XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Acct 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2023-10-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 account opened fraudulently in my name on XX/XX/2020 balance of {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today is XX/XX/2023 and Im unable to you my card for the last pass week. I asked robinhood what was the issue and why they restricted my account they was unable to give me a reason. I been having account for a long time now Im unable to use my account and I have {$480.00} dollars on my account that I would like to use. I already verified my information like ID SSN selfie pictures And ect. Still no help from robinhood they are truly scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I noticed that Equifax is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 
XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: FISERV INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/23 XX/XX/23 XX/XX/23 I have been asking and submitting information about an item they have but this will not issue me ang WRITTEN notification ( s ). All I get is the RUN around. Bad customer service. No validation on/for what the say in written form!! 
XXXX TRS Recovery Services , Inc. XXXX XXXX XXXX XXXX, GA XXXX XXXXFax

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 2023-07-27
Company: Firstsource Business Process Services, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023, I requested that First Source Advantage stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$7.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$60000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A process of a payment settlement because its decrepit and no agreement could be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
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 have written to both XXXX, XXXX XXXX, and XXXX multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-07-27
Company: EQUIFAX, INC.
State: SC
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:
Equifax is the only agency furnishing an account by XXXX XXXX XXXX XXXX on my consumer report that has a status as derogatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MN
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:
The following account currently listed and showing on my XXXX and Equifax credit report is lost/stolen : XXXX XXXX XXXX : XXXX, and the transactions from XX/XX/2023 to XX/XX/2023 for {$260.00} are unauthorized and fraudulent transactions that are not my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
For the last several days Ally Bank will not let me access my account they won't give a reason they say call customer service and when I do I get put on hold and they never answer.

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 2023-09-22
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: AZ
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 has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: IN
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. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX  ) ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX  ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management is in violation of 15 usc 1692c. They have also threatened to damage my credit in their communication when they say some sort of mail was mailed to me. If I do not sign for any documents sent to me then they are considered undelivered. If I received the letter you sent provide a green return receipt with proving I RECEIVED anything from you stating that I could opt out of your damaging my credit or something proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Upgrade, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After I made a payment every month, regardless of how much was paid, my account would show I owed {$0.00} cents. I would make an additional payment, and my account would still reflect this error. My account started to show as Late and Past due. I had to call customer service and spend hours on the phone, speaking to supervisors and different representatives for them to fix the issue. Once the issue was fixed, the following month I would make a payment and have the EXACT same issue, having to call over and over to have it fixed as the first agent would promise it would be fixed and my account would continue to show late for 60+ days. This happened THREE times before the {$0.00} cent error hasnt happened again, crossing fingers. Upgrades representatives and supervisors assured me the late payments would be removed and updated on my credit report, and one has been, but two remain. My XXXX report shows one late on XX/XX/XXXX and one on XX/XX/XXXX. Despite the supervisors and resolutions teams promising they would be removed. 
This has been super stressful, having to call numerous times and wasting so much of my own personal time between work and school. 

Background : XXXX ( XXXX call center supervisor ) advised late payments would be removed by XX/XX/XXXX will receive a phone call by tomorrow XXXX never received. I then sent emails to contact @ upgrade.com. 
Yet to receive a call, I called them again on XX/XX/XXXX spoke with miles in XXXX. I was advised that the supervisor wasnt available but XXXX in resolutions would be reaching out tomorrow XX/XX/XXXX. On XX/XX/XXXX XXXX called and advised that the credit collection forms were submitted to remove all late payments, and my credit report would be updated within XXXX days ( XXXX time I was advised of this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
national credit systems have billed two accounts to my credit XXXX XXXX XXXX XXXX of {$3900.00} and XXXX  XXXX of {$2700.00}

Company response to consumer: Closed with explanation