BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : Equifax and XXXX refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, XXXX and transunion and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and XXXX stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 2021-03-13
Company: Experian Information Solutions Inc.
State: MO
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:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.

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 2021-12-01
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX i received a letter from this collection agency about a townhouse i moved out of saying i owed XXXX dollars they are saying i renewed the lease and broke the lease early when infact i moved out when my lease was up and told them months prior i would not be renewing the lease i sent all this information including copies of all communication with XXXX XXXX XXXX showing that i terminated the lease well before the 60 days they still put this collection on me and my wifes credit reports causing my scores to drop this is illegal according to my lawyer who i have contacted i have sent this collection agency 3 letters now as well as emails showing the debt isnt owed and all they send me back is a copy of my lease saying automatic renewal when this cant be the cause because i terminated the lease almost 5 months before the lease was up so i am still owed my XXXX dollar deposit from XXXX XXXX XXXX that they are refusing to give back to me on top of them putting a bogus XXXX dollar collection my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I deposited a wad of cash that day at a bank of America ATM. The ATM was counting the amount when it suddenly stopped and I received an ERROR statement on the screen. It stated that this ATM was no longer working, so I needed to call the number on screen so they could help me with this issue. I did so, while still standing in front of the ATM, and they said they could see on their end that what happened was that the ATM jammed. So they would count, and credit me the cash that I deposited. 
They asked if I knew how much cash I deposited and I so no, because I just save up my cash from the tips I make at work ( I get paid in cash only ) and deposit it all at once. I did not count my money that day, because I was in a rush and just needed to deposit it. But it had been what I had made the past couple of weeks. 
I just received a letter from the bank stating that they are closing my case until I provided the XXXX things for them. First and foremost, they need to know the exact amount I deposited. Secondly, they are asking for a printed receipt that states the amount of cash I was depositing. 
Where am I supposed to provide a receipt that states how much cash it was? The ATM never finished processing it, as it jammed, so there was no receipt provided for me from there! 
There are cameras there at the ATM place where they can clearly see me depositing, the ATM jamming, and me calling on the spot and making a claim. All in front of the camera. 
How am I going to just lose all of my earnings because of an ATM misfunction? Is there something I can do about this?

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 2019-07-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX . I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

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: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by Experian is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, XXXX and this criminal company Experian MUST NOT list my personal phone number in my credit report at all

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, Transunion, XXXX and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all

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 2021-03-13
Company: EQUIFAX, INC.
State: MO
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:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a reopened dispute with PRA.

The company continues to assert that they mailed me information that I never received. The company does not acknowledge the debt as identity theft. It is. 

I am a victim of identity theft, both in XXXX, when I first saw the theft on a credit report trying to refinance to pay off the divorce settlement. I tried contacting XXXX car care 's fraud department, the company that had the identity theft line of credit. Each time, the company refused to acknowledge that my reporting the theft means exactly that ... that it is indeed theft. 

I paid a credit clearing company to clear the debt, from my credit reports, since XXXX XXXX  refused to cooperate. 

I was not aware that they sold the identity theft account to PRA until XX/XX/XXXX. I discovered PRA when I opened my credit reports to run my credit to refinance and pay off my loan per divorce decree.

PRA, in previous response through this portal, acknowledge receipt of my claim. The response stated was that the dispute would be looked into and I would be notified of the results. 

Instead, the dispute department posted a negative remark on all 3 credit reports. This is against the law and unlawful to do during a dispute. All negative marks need to be removed from all 3 credit reporting agencies. 

I request all original signed documents applying for this credit card by XXXX XXXX, that your company has in its possession form my records and police report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: OPTUM BANK, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an XXXX XXXX account through my employer, XXXX, and their benefit program last XX/XX/XXXX at Optum Bank in XXXX XXXX XXXX, Utah. 

Once opened, I requested a debit card so that I could use my XXXX funds.

It took Optum Bank over 2 months to provide my debit card to me to enable use of my XXXX  funds for medical purposes. This delay harmed me.

Once I received the card, I registered it and attempted to use it. The card was declined for " insufficient funds ''. I called Optum Bank and was put on hold for a long time before a representative told me that my account was empty and that they were contacting their fraud team and that I would be contacted within 12-24 hours by the fraud team. On this date ( XX/XX/XXXX ), I had over {$9300.00} in my Optum Bank XXXX account.

No one from Optum Bank 's fraud team every contacted me. 

I called a few days later, was put on hold for a long time again, and was told that my account was " closed by mistake '' by the Bank. I asked them where my money was and was told that my funds would be back in my account within 12-24 hours. This did not happen. 

Finally, on XX/XX/XXXX, Optum Bank reopened my account and redeposited my funds in my account. 

I then attempted to use my funds and the debit card continues to decline my use of my funds. 

I have tried to email Optum several times since they reopened my account and returned my funds but the secure portal will now allow downloading of the correspondence from Optum, making written communications impossible.

I tried again to use my debit card without success.

The delays in access to my XXXX funds, the negligence by Optum Bank in closing my account without my knowledge or consent, and repeated failure to enable use of my debit card to pay my medical bills is harming me. I want Optum to correct their failures immediately and enable my access to my funds held by their institution. 

Thank you for processing this complaint, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company working under the name of attorney XXXX XXXX contacted my niece and my ex-wife seeking information about my location which they already had because they had texted me hundred different name several times and I had not responded as originally known number and name. The indicated to my niece and to my ex-wife that this was a criminal case it already been filed in XXXX XXXX. Both of these things are untrue. The case number that was provided to my relatives was simply my file number but was represented as a court case filing. 
When I did call the number that was provided I was directed through a large answering service to a secondary service where the individual would not identify the name of the company only that they held a debt that was payable admit I had a choice of them submitting papers for his summary judgment order of setting up a time payment for the debt. 
I asked that all papers be emailed to me that I could actually read them. This was resisted by the woman on the phone did not give me your name nor direct line so that if we were disconnected I would be able to to call back. 
She promised to provide the paperwork with in one via email. I have not received any documentation from them 24 hours later.

I was not informed they were debt collection company.

I was not informed that the conversation was being recorded. 
I was not informed that they were asking for this information in order to recover the debt. 
I was not given the opportunity to dispute the debt. 
I was pressured to provide financial information submitted they could begin payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: KY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 response to consumer: Closed with explanation