BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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:
Despite all my efforts to confront the Credit reporting Agencies regarding the Fraudulent information from my Credit File, the Credit Bureaus became lazy and did not comply with the FCRA regulation section 605b and continued reporting of unverified information to my Credit File. Due to the Credit Bureaus becoming lazy, it became a huge problem for me to properly contact the Credit bureaus and inform them regarding the fraudulent information on my Credit Report. I have sent a letter disputing the fraudulent items from my Credit File on XX/XX/XXXX and have been sending countless letters having the same message that is to remove the items that resulted due to identity theft. But the Credit Bureaus have never even once paid attention to my letters neither respond. I came to realize that my efforts are useless since the Credit Bureaus are best at doing nothing to pay attention to a consumer 's requests. I am frustrated by this and tempted to take legal action againsts the Credit Bureaus. By submitting this complaint through the CFPB, I am looking forward that the Credit Bureuas would take immediate action and remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXXdentity Fraud 3. ) Violations of 15 U.S.C 1692g

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
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: Their investigation did not fix an error on your report

Complaint:
I called Equifax and spoke with XXXX  ID # XXXX explained that I did not give anyone permission to access my credit for any reason. I explained that I did not do this and according to the FCRA those inquiries should be removed for XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TX XXXX AR XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have explain that I did not do this. Delete this information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
I have attempted to dispute an erroneous loan account through Equifax, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
Due to financial hardships I took the initiative to apply and was approve for a repayment plan with XXXX  financial bank for my car loan. I agreed to pay {$450.00} on the XXXX of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. XXXX XXXX reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted XXXX  XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX  and is inconsistent. My credit report has change numerous time due to XXXX XXXX incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 called the fraud department at Transunion to inform them that there are some inquires on my report that I didn't make. I explained to the rep that I called each creditor and since the inquiry is over 30 days old they can't access the file or give me a letter but the rep insist he couldn't help me and he was a supervisor. I could barely understand him for the strong language barrier and he hung up. Below is a list of credit inquires that I want removed asap from my report since I didn't apply for credit with these companies. 

XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/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 2022-05-24
Company: Glacier Bancorp Inc.
State: MT
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 paid my car loan off in XXXX 2022. My account is reported to the credit reporting agencies on the XXXX of each month. The bank is still reporting this account as owing over {$9000.00} which is incorrect. I have requested that the update their reporting and have heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Hello my name is XXXX XXXX, on XX/XX/2021 when I attempted to create a profile on Kabbage, WITHOUT my consent they pulled my credit report. When I called and spoke to someone at Kabbage corporate office to explain that I didn't give my consent to run my credit they told me it was nothing they could do and to contact XXXX to have the inquiry removed. The company information is Kabbage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
You can contact me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: CA
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:
I submitted a letter to the Equifax Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$33000.00}.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: U.S. BANCORP
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received my XX/XX/XXXXXXXX  statement and paid it. 
In XXXX I received a text form someone at my previous address saying US Bank had left a message on the answering machine and I should call them. I had also received an email so on XX/XX/XXXX I called the # on the email. I told them I had not received any bills and I needed a bill so I could figure out what was going on. They ordered statements. 
Two weeks later I called back, was told it could take up to a month to get statements. 
Waited a month, called XXXX had just reordered statements, XX/XX/XXXX. verified address told me what the charges were for Called you guys and was suggested I check my credit report. I checked XXXX and all was good except US Bank which potentially deleterious. also included the address of XXXX XXXX XXXX. My credit score had been over XXXX and fell to XXXX it is now at XXXX. 
Waited another month called XXXX asked for statements for this year only, asked what address they had for me and was told XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX I asked who do I talk to to settle because they had the wrong address. The agent said it was him but would only say so you want to settle in full. I asked about goodwill adjustment and was told they did not do that. 
Called XXXX reoreded this years statements, address was changed to the correct address but now have no evidence they were using the wrong address, didn't seem to matter that I had not received 4 months of bills

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 2023-03-22
Company: EQUIFAX, INC.
State: TN
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:
XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for Equifax and reporting a zero balance for XXXX which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: AZ
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:
Equifax Hard inquiries : Hello, please find all the hard inquiries made at equifax which I never made from my end. I have contacted the merchant and equifax with no response from their end. I will appreciate if you can pursue equifax to delete the below inquiries which I never authorized for. Please let me know if you have any questin. 

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: In progress
Consumer complaint received 2023-06-22
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX  Reference Number : XXXX To whom it may concern, I, XXXX XXXX, demands arbitration with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment. 
If you are not able to provide proof of the re-investigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information. 

A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the XXXX responsible for maintaining the account. 
Case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
XXXX XXXX from XXXX is dishonest. We were rate shopping and spoke to XXXX at XXXX to see what rates he could get us. Other lenders just needed general information, income, debt, credit score and they could provide a quote. He says, " I'm going to do a soft credit pull. It won't affect your credit score. '' He didn't even ask my permission and I didn't give him permission. I didn't give him my information it must have pulled it from the information that had on me. We'll my credit score dropped and I got this thick package in the mail for a full XXXX application I never asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My sister made a deposits to her accounts via phone on Monday XXXX XXXX to her personal checking account. Since then her account, my mothers, my mothers boyfriend account and my own account have been frozen! I cant make deposits, make payments or anything related to my account, its frozen!! How can they do this? If there was an issue the Chase bank should have frozen the deposit but not the whole account and not other accounts that have nothing to do with each other but being family members!! 
Today we are a chase bank branch. They have told us they need to verify the checks. Ok, we asked them to tell us what checks need to verify so we can contact them and have them verify. But chase is making mistakes with phone numbers and checks. As in, they call one number and ask for the wrong person! Ok, we asked what else can be done. They said to stop the checks. So we told them people to stop the checks. But they money has already been taken out of their accounts so they cant seem to stop the checks. We can not wait 10 days without access to our accounts! I need to pay bills, buy groceries, pay for my girls school and It didnt even involve my account!!! Why is my account frozen??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NC
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
In XX/XX/XXXX, my credit suddently dropped from the 700 's to barely 600. I pulled a report and found a bad XXXX XXXXXXXX XXXX account that I had never opened. I later found out that I had been listed as a co-buyer for my mother, but never knew of the account, much less signed any paperwork agreeing to be a co-buyer. On XX/XX/XXXX a dispute was filed with XXXX XXXX, the fees were temporarily waived, and my mother was told not to make any payments until resolved. On XX/XX/XXXX, we received an email stating no record could be found with my name, and told that the account was closed as agreed. Account shows as closed, paid as agreed, and balance = {$0.00}. In XX/XX/XXXX, I received a letter from XXXX XXXX and the bureau of their choice stating that account was indeed invalid and that it would be removed from my credit report. However, while the account was closed as detailed above, it was never removed. I have spent the last 2 years as a XXXX XXXX XXXX trying to rebuild my credit. 

On XX/XX/XXXX I received an alert that my credit score had change. I found that it had dropped by nearly 70 points. I pulled a report and found that suddenly, the same account I had issues with in XX/XX/XXXX, that hadn't reported any changes in nearly two years, had reported a balance of {$3900.00}, even though it had been closed with a balance of {$0.00} for the last two years, per the dispute. I began a dispute with XXXX, and upon calling XXXX XXXX, found that none of the three people I spoke with could locate my name or my social on any account in the system, even when given a partial account number. 

This mistake has followed me the last two years, making it difficult to bring my credit back up since the account is still listed on my credit report. I was finally near where I would like to be when this most recent issue was reported ( negative payment as of XX/XX/XXXX ), which has now brought my credit back down, causing me to start completely over.

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