BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I legally had to change my name due to mixed accounts and identity theft and despite me sending in proof of my identity and resolving this issues the credit agency has locked me out of access to my credit report via hard copy and online. They refuse to update false information on my credit report and do not acknowledge the proof of my identity sent in vial the mail or uploaded online. This has affected my life, health, opportunity, finances and livelihood for 6 years and counting and still I am disputing and begging them to correct their error despite it being over 6 years of 30 days past the time they should have resolved this issue and yet here I am 6 years later still begging for the law to be abided by so I can have my life back. I have suffered significantly while these companies receive monetary gains by allowing false information to remain on my report in addition to keep ing me locked out and unable to resolve any issues that are hindering my financial growth and creditability. I have paid more than they will ever imagine and now I want to file a law suit because this is not being resolved the way it should have been 6 years ago. I have suffered higher interest rates, lost business opportunities and many other opportunities not to mention the embarrassment of seeming to be noncredit worthy and irresponsible due to their negligence while they gain financially from this discrimination, false reporting and profiling knowing that I have submitted the proof from them to correct my account and put it back in good standing. I have been impacted by the Equifax security breach and can not even take advantage of the extra credit monitoring protection measures due to this inability to access my credit profile for this company or dispute, view or upload anything online. They show a credit score that is supposed to be mine from XXXX and yet the date I am logging is is showing XXXX, this is unacceptable and very illegal. I have yet to receive even a hard copy of my report per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: ID
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:
I tried to apply for a secured credit card and my Equifax credit report has a " fraud alert '' on it so I called them. I do not have ANY credit. I contacted Equifax and they told me they have no account for me. They told me to send them proof of my SS # and Driver 's License. I did that. They told me 3-5 days to get verified. It has been 18 days now and they will not allow me to pass through their prompts on their Customer Service line anymore. I enter my info and they say " You can not be verified, goodbye. '' I have no other way to contact them to get them to release this inaccurate " fraud alert. '' I tried registering online, same result. I tried 6 different numbers, same result. I finally searched for a direct line and someone answered and put me on hold for 30 minutes. They have no chat, and all the phone numbers lead to same prompts. I do not have any recourse to get them to release this inaccurate information. This company has HORRIBLE reviews and needs to be regulated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking and savings account with Citibank was put on Hold / Account Frozen status on XX/XX/XXXX without any reason given. I was prevented from accessing any of my money which I needed to live, for rent and food etc. 

On XX/XX/XXXX I was told if I drove to a branch that would be the only way I could withdraw money. I drove almost an hour to the nearest Citibank branch, spent over an hour with the banking associates there, only to be denied access to money again. 

I made two more calls on XXXX and XXXX only to be told different stories each time. The first representative told me my account had been closed and I would recieve a check in mail in 7-10 days. When I made a follow up call on XXXX I was advised my account was still open, but on a hold/ frozen status and that I wouldn't recieve my money for 30-60 days. 

I have kids and a family and I need this money to survive. They still have given me no reason as to why the account was placed on hold or frozen. Each department blames it on the next and I have not been given any final conclusion.

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 2023-06-13
Company: EQUIFAX, INC.
State: LA
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:
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 XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter in the mail and a phone call saying I owed XXXX. Company name is Resurgent Capital Services. Phone call was last week. Letter was mailed out XXXX to me. Doesn't have a full account number on the letter. Says the original creditor was XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX. Date XXXX. Charge-off date XXXX. Amount XXXX. Acquired on or about XXXX. I have never had a credit card or bank account with them. This also doesn't show up on my credit report. So I think it a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Two purchases were made fraudulently using my Wells Fargo debit card. The purchases were made to XXXX XXXX through the XXXX XXXX. 

My XXXX XXXX  was hacked. The orders were placed. Then deleted from the history so I can not look up. 

The purchases were for : {$530.00} and {$300.00} on XX/XX/XXXX I was told the claim through Wells Fargo would be handled within 10 business days. 

I emailed XXXX to ask to cancel the purchase as it wasnt me.

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 2022-12-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-03-11
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt from Guardian Capital Management for an account placed by XXXX XXXX XXXX is demanding the amount of {$4100.00} dollars. The XXXX XXXX XXXX XXXX a housing capacity for student in the state of XXXX I was a student and I held a room there at the XXXX XXXX XXXX but one night an altercation with the room mates led to them calling the police. When the police arrived I was forced to leave. I returned the next afternoon only to be allowed to remove my belonging from the room and told that if I returned I will be considered trespassing and they would call the law to arrest. I never returned but signed out my lease because I had to return the keys. There was a one month security deposit they held and now they want me to pay for the months I did not stay in the lease. This is three or 4 months of rent they are trying to collect but I did not stay with the lease. A police report was filed on the day of the altercation. 

Please advise. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've attempted several times to remove this fraudulent address from my credit report Experian still haven't removed the address I've now filed a police report and hoping that you can help resolve this matter.

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 2023-04-10
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XXXX XXXX, XXXX I placed an order with XXXX for a coffee table in the amount of {$1100.00}. At that time I received a message stating that there was a long delay due to covid related shipping delays. I then received emails from XXXX in XXXX and in XXXX of XXXX announcing further delays stating estimated delivery between XXXX. On XXXX XXXX, XXXX I emailed XXXX asking for an update. I received a message stating the item was backordered until XX/XX/XXXX. On XXXX XXXX, XXXX I requested that my order be cancelled and received an email stating that the email address I had written to was no longer being monitored and that the company had gone out of business. On XXXX XXXX XXXX I contacted Citibank to file a dispute on the basis of being charged for an item I did not receive. They stated that since the charge was so old I would have to mail in my dispute. That same day I mailed my dispute included 13 pages of evidence ( original invoice, email correspondence ). Citibank stated that because the charge was so old they couldn't do anything about it and said I should contact the merchant, but I have no way to contact the merchant. I was strung along with regular emails from the company stating that my merchandise was coming until they shuttered their doors. Purchase protection should cover this. This is a lot of money for me and I don't know what I am supposed to do to get my money back.

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 2021-12-17
Company: CREDIT ACCEPTANCE CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted the agency and was told that they wouldn't repossess a junked car. Yet they still keep billing and reporting me on the vehicle. If you buy something and it's broken, you return it and get a refund or a replacement. This car was broken down within the first week after buying it. 
This is total XXXX XXXX and completely unfair.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-06-13
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: Account information incorrect

Complaint:
I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, XXXX reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from XXXX reporting 180 days late on XX/XX/XXXX. The XXXX report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, Equifax does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Superior Adjustment, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Numerous payments made over a number of years that were not applied to the intended account. Paid the account in full, via check, which clearly stated the account number and the condition of payment. The check was accepted and cashed. The check was not processed electronically and met all conditions set forth by the federal statutes. They are still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2023, I erroneously paid a Merchant, XXXX  XXXX, for {$1000.00}, which I informed American  Express, several times on several ocassions, by telephone and in writing. 

XXXX XXXX XXXX XXXXXXXX, XXXX  and XXXX XXXX XXXX XXXX never contested my claim or disputes but American Express insisted on charging or debiting my Credit Card ending in XXXX, acting as if they the third party collector. 

I consider this repeated action, pure and simple harassment which is tantamount to violations of Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent out a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Information belongs to someone else

Complaint:
I am filing a complaint under FCRA and fair credit and billing act as I saw these inaccuracies in my report and have asked for full validation and what rights does the company have to collect on these accounts. 

XXXX XXXX Reported : XXXX XXXX, 2021 {$970.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$840.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$410.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Experian Information Solutions Inc.
State: NY
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 DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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