BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NV
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:
The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX 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 inaccurate, I did not open this account this year! This is grounds for removal from my credit report. The BBB and my state Attorney General 's office have also been contacted regarding this matter. They have 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 A Section 2 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm disputed and requesting the proper investigation of Inaccurate non validated information being report by the thee bureaus. XXXX they are currently reporting 6 total accounts 4 open, 2 closed, and 2 delinquent which is not validated and also being disputed with those companies as well. XXXX has XXXX as open and those accounts currently have a balanced paid in full. They have self/lead closed with 0 balance. XXXX is also reporting 10 unauthorized and inaccurate inquiries from various companies without my permission and are defaming my character as a consumer. Experian currently has my current address incorrect, reporting 8 accounts 6 open accounts 2 closed, 2 delinquents 3 inquiries. XXXX is currently showing 8 accounts totaling 6 open accounts, 2 closed, 2 delinquent and 2 inquiries. In light of the investigations that have been bought upon XXXX and XXXX I find that my consumer report is being irresponsibly tampered with with all three. I asked that respectfully all inaccurate information be removed and or properly investigated/validated as per federal law I'm owed accurate and fair reporting.

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 2021-06-10
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:
In my last complaint, I asked Equifax to give me to access my myEquifax account. I am unable to log in and access it, therefore can not make disputes ( or see any of my own info ) and now still can not check to see if they even fixed the one thing I was trying to dispute in my account that they said they would.

Instead, they told me to make an account! But the whole problem, to begin with, is I already have one ( which means I can't make a new one ) and I can't access the old one because I'm locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Entrata Inc.
State: MI
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:
XXXX inquiry date XXXX I did not apply for this inquiry Resident Verify  XX/XX/XXXX I did not apply for this inquiry XXXX/ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Affirm Holdings, Inc
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ordered item from XXXX used affirm to make purchase. Payed initial payment in order to activate affirm line of credit for item. Item never arrived, reached out to XXXX they said they'd look into it. I had life changes, I moved, I forgot about never receiving refund for the payment I did make until affirm showed on my credit report as delinquent account. Reached out to XXXX again asking why it wasn't closed also reached out to affirm same reason. Affirm didn't respond. XXXX responded saying the item has been lost and they are refunding total amount and affirm should refund in a few days. This account should be closed since I did make initial payment, item was lost in mail, and I was refunded and case closed. Have disputed 3 times from credit report and affirm continues to say information is accurate. I don't have any open accounts with affirm currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX 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 inaccurate, I did not open this account this year! This is grounds for removal from my credit report. The BBB and my state Attorney General 's office have also been contacted regarding this matter. They have 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 A Section 2 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2023-04-19
Company: CARD Corporation
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My complaint since I found out Im an identity theft victim, XXXX is a checking prepaid type of account. I stayed at the XXXX in XXXX nj for 3 days, renewing the reservation and paying daily. The last day I was charged XXXX + dollars for XXXX night which was XXXX $ and charged an astronomical amount. I called them and XXXX immediately, and XXXX just sent me a letter stating I wasnt getting the funds back. They investigated and somehow without my statement closed my account finding XXXX the right one. I too own a business am an upstanding citizen but they chose to side with XXXX over charging me as well as XXXX. Never giving me my hard earned monies back. I disputed that too but XXXX weeks later Im still waiting. If I stole from ppl Id be in jail. This isnt fair! I would like this bank investigated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2021 i sent a letter to transition disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: OH
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:
Fraudulent accounts and Inquiries appearing on credit. 


XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$9400.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Filled A Dispute With My Bank I Was Incarcerated While My Card Was Being Used I Uploaded The Documents To Them Etc They Issued Credit Took The Credit Back About XXXX Weeks Later. Sent Mail To My Mailing Address Not Saying Why The The Decision Was Mad Also Documents That Dont Have Anything to Do With The Case Now My Account is In The Negative

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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 XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
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: Their investigation did not fix an error on your report

Complaint:
In or about XX/XX/2020, I disputed XXXX XXXX XXXX  XXXX ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX XXXX XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I requested Citibank to remove fraudulent charges on account XXXX. 
They sent an email but it is not resolved. 
The credit agencies and reporting delinquent payments and it is affecting 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 monetary relief
Consumer complaint received 2022-09-16
Company: HW Holding, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

The XXXX XXXX - XXXX XXXX XXXX XX/XX/2022 For {$7600.00} I made a police report about this. 

Ive been at the California address pass couple years. 

Please remove this activity. Its causing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CONTRACT CALLERS 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: Their investigation did not fix an error on your report

Complaint:
In or about XX/XX/2020, I disputed Contract Callers ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Contract Callers requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt 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 2022-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently viewed my credit report and noticed a XXXX XXXXXXXX account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt did not belong me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We have this case XXXX has been going on for over 3 months Summary of events. 
XXXX XXXX, my wife with different last name tried to pay our Bank of America credit card early, in early XXXX a check was generated and sent to the XXXX XXXX XXXX XXXX by Bank of America by someone in bill pay without our knowing or authorization. Even though, on our end and confirmed through bill pay that it was supposed to go to BofA CC. At which point the check was deposited in the wrong/unknown account at bank of P.R. We have spent hours on the phone and in person with Bank of America to get our money back ( {$6100.00} ) Apparently, XXXX XXXX XXXX XXXX is owned by XXXX XXXX so we had to filled out affidavit paperwork for XXXX XXXX for a fraud claim to try and get our money back. So for 3 months we have had BofA supposedly working on this and now we have sent affidavit paperwork sent into XXXX XXXX to try and get a resolution from their end. 
-This was Bank of America checking account bill pay to pay our Bank of America credit card XXXX 
-Our Bill Pay has a confirmation # that says it was supposed to go to Bank of America credit card payment. 
-BofA bank improperly and without your authorization sent those funds to some random account at the XXXX XXXX XXXX XXXX and we have not been able to get the funds returned. 
-Bank of America has said they are working on getting our money back. 
Although this has been going on since XX/XX/XXXX and they have given us no resolution as of yet. 
Bank of America, nor XXXX XXXX ; neither by phone call or message center about the problem with our {$6100.00} still missing from our checking. 
A few things I would like to point out. 
# 1 I do not understand how a claim on our behalf was not filed right away as soon as we reported that our funds were sent out, not to where we had intended on XX/XX/XXXX with the phone conversation with XXXX from Florida. 
# 2 As verified by XXXX XXXX phone at XXXX XXXX desk with XXXX, our payment to the credit card was set up properly. There was NO option of a different address and our payment history verifies exactly how we have paid this bill for years the same way. 
# 3 This is a lot of money and this is now the Holiday season and yet it seems that no one is actually trying to actively return our 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 2021-06-10
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an unsolicited email from TrueAccord about a debt owed to XXXX XXXX. The email was addressed to my email address, but also addressed a different person by name, XXXX XXXX. I thought it might be a phishing scam and researched TrueAccord online. I read that TrueAccord is very difficult to deal with and usually requires a lawyer to get them to stop harassing you. This seems incredibly unjust to me. I'm afraid contacting them directly will only result in more harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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 contacted Experian about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and Experian informed me they have the right not to investigate which means its okay to update incorrect 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 2022-09-16
Company: ACIMA CREDIT, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My payments come out biweekly on the XXXX and the XXXX of the month in the amount of {$50.00} by ACH withdrawal. On XX/XX/XXXX, I accessed their website and my account and paid the XX/XX/XXXX payment via ACH that day. The XXXX  payment cleared my bank on XX/XX/XXXX. However, another ACH debit in the amount of {$50.00} was taken out of my bank account again on XX/XX/XXXX. When I called the company, they stated it was because it takes 3 to 10 business days for payments to clear, so they also took out the prescheduled payment of the XXXX also. They then said that once the payment on the XXXX clears, it will be applied to the XX/XX/XXXX payment and the one they withdrew on the XXXX would be applied to the payment due on XX/XX/XXXX. I repeatedly told them they did a 2nd withdraw from my account without my permission and demanded they stop the withdraw or refund my money. They repeatedly told me they had no way to do either and that the 2nd payment would be applied to the XX/XX/XXXX payment date. I talked to 4 reps and got conflicting information. They tried to backtrack when I threatened them with legal action and said that they could consider the payment on the XXXX as an extra payment ... even though they admitted to withdrawing the same payment 2 times. The last rep I talked to said that they could indeed refund one of those payments but not until they both cleared. If the 2nd withdrawn on the XXXX will not clear for 3 to 10 business days, what is the guarantee that the same thing will not happen on the XXXX? I advised that since they did not offer a solution and they repeatedly gave conflicting information, that I would be contacting all agencies that regulate their business and pursuing legal action. I have screenshots of the last 2 conversations as the 1st two were by phone. However, Acima does advise that they are recording their calls. I have now had to put a stop payment on my account that cost me {$30.00} and have an overdrafted account.

Company response to consumer: Closed with explanation