BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: MI
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 HAVE BEEN IN CONTACT WITH EQUIFAX OVER XXXX IN THE LAST MONTH FOR AN ERROR THAT THEY MADE ON MY REPORT. I CONTACTED THEM YESTERDAY TO HAVE THEM UPDATE THE ADDRESS AND THEY DID. BUT, AFTER CHECKING ON IT THE FOLLOWING MORNING, IT HAS BEEN CHANGED BACK TO THE INCORRECT ADDRESS ONCE AGAIN. I HAVE SUPPLIED THEM WITH MY VERIFICATION DOCUMENTS THAT CLEARLY STATE MY CURRENT ADDRESS AND THE CORRECT SPELLING OF MY NAME. YET, THET ARE BLATANTLY FURNISHING INCORRECT INFORMATION ON MY CONSUMER FILE. MY CORRECT ADDRESS IS LISTED ON MY DRIVER 'S LICENSE THAT THEY HAVE COPIES OF AND STILL CAN'T GET IT RIGHT. THIS IS AFFECTING MY ABILITY TO COMPARE MY CREDIT REPORTS BECAUSE OF THE CONFLICTING INFORMATION THE FRAUDULENTLY FURNISH FOR ME. I AM NOT ABLE TO BE APPROVED FOR FINANCING, I'M UNABLE TO GET CREDIT CARDS, I AM UNABLE TO CORRECT INACCURATE INFORMATION ON MY CONSUMER REPORTS BECAUSE OF THE CONFLICTING INFORMATION. I AM ASKING THAT THE CFBP HOLD THE RESPONSIBLE BY COMPENSATING ME FOR THIS UNWARRANTED STRESS NOT ONLY ON ME BUT ALSO MY FAMILY BECAUSE THEY DEPEND ON ME TO BE A PROVIDER. HOWEVER, I CAN NOT PROVIDE IF MY CREDIT IS BLEMISHED. MY CURRENT IDENTIFICATION IS ATTACHED SO THAT THESE ERRORNEOUS ADDRESS THAT THEY PUBLISHED CAN BE PERMANENTLY DELETED. I HAVE DISPUTED THE FRAUDULENT INFORMATION SEVERAL TIMES, YET THEY ARE IGNORING MY REQUEST. ALL I WANT IS FOR THEM TO PROVIDE ACCURATE INFORMATION AS THEY HAVE PROMISED TO DO SO. I HAVE NO OTHER CHOICE BUT TO REQUEST DAMAGES FOR THEIR BLATANT DISREGARD AND DISRESPECT THAT I RECEIVE EVERY TIME I CONTACT THEIR XXXX CALL CENTER REPRESENTATIVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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:
XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued Equifax for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In years past I had a security freeze on my XXXX XXXX credit report that I didn't initiate and it took many attempts before removing the notice or freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: NY
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 got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since XXXX and Experian have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was XXXX. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

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 2021-11-11
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 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 inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had been a customer of XXXX for over a decade in the City of XXXX. After raising my rate from {$60.00} per month to over {$120.00} per month I decided to look elsewhere for a cheaper product as I was only using their internet service. 
I called in XXXX XXXX  to cancel my service as I was able to find cheaper service thru XXXX. The representative never mentioned any final charges and when my final bill came it showed a {$200.00} deactivation fee. I called several times from XXXX thru XXXX XXXX  to ask about it and request assistance in removing it as I never signed or agreed to a deactivation fee. 
XXXX would not budge and sent it to a collection agency in XXXX XXXX. I requested more information from the collection agency and they closed my file and issued a letter in XXXX XXXX  indicating that they were not going to pursue the collection. 
To my surprise in XX/XX/XXXX  a company called CCS sent me a letter indicating that they were collecting the debt. 
I requested more information from CCS in XXXX XXXX  and on XX/XX/XXXX, which has not yet provided. All they sent me was a copy of my final bill showing the charges, but nothing showing their cancellation policy or any signed agreements. 
Can you please assist me as I do not believe I am responsible for the {$200.00} deactivation fee as XXXX was not able to offer me a lower rate, and their representative never notified me of the cancellation charge upon cancelling.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Ascendium Education Group
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Originated a student loan with XXXX XXXX XX/XX/XXXX for {$28000.00}. Made monthly payments until I became unemployed. My loan was sold to United Student Aid Funds & went into forbearance XX/XX/XXXX. Was informed I needed to make rehabilitation payments to XXXX XXXX XXXX starting XX/XX/XXXX to XX/XX/XXXX for total {$700.00} in order to become rehabilitated & then my loan was sold to XXXX. My complaint is that I was never informed by United Student Aid Funds , Inc. or XXXX   XXXX XXXX that I would be charged a {$7900.00} fee to rehabilitate my loan. This amount was added to my student loan principle & interest. I have now been paying at minimum {$500.00} a month to date to repay my loan & I am just now getting close to my original loan amount of {$28000.00}. This undeclared rehabilitation fee has cost me thousands in interest alone. I could have been close to paying off my student loan originated over a decade later. United Student Aid Funds inc & XXXX XXXX XXXX should not be able to charge exorbitant undeclared fees for student loans already in trouble. Want to warn others & learn what type of legal recourse I have for this undeclared fee that has cost me close to {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Information belongs to someone else

Complaint:
This is my 14th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have contacted XXXX XXXX about an error on my consumer report and it has yet to be corrected. Your last response to my complaint was my address, social security number, and bankruptcy account number were accurate. This leads me to believe that you NEVER read my complaint. I NEVER said these things were inaccurate but I pointed out some other things that were inaccurate and I even provided proof. However, you did not investigate the complaint properly or you just didn't do it at all. I have no clue what you guys are doing in your office or if you are actually doing your job. Once again I am challenging INACCURATE information that you have reported on my consumer report and I am providing you evidence that the information is INACCURATE. 

Here is the original complaint : I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from Pacer. I pulled up the documents from Pacer to make sure all information you were reporting was correct. It appears you did not get your information from Pacer. I have also included information from Pacer that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : The county you have listed is XXXX but it was not filed in XXXX XXXX. The county on the Pacer report is XXXX. The court name you have listed is Texas XXXX but that is not the name of the court the bankruptcy was filed in. The court name on Pacer is UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF TEXAS. According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my XXXX XXXX consumer file. I have reported this several times but nothing has changed. I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from PACER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have contacted XXXX, XXXX, Experian numerous times in regards to my personal credit report concerning inaccurate reporting. Unauthorized inquires, I have a fraud alert on my credit report though XXXX still allow my credit to be checked, also wrong addresses, phone numbers, and place of employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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.

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 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2021 a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came before XXXX, a violation of the FDCPA. I do not agree to the validity of the debt and the notice had a multitude of violations. I responded within the 30 days to their " Lawsuit '' and still haven't heard a response back. Recently, the alleged debt collector sent another letter attempting to collect the alleged debt ignoring my previous validation notice and affidavit of truth. The party attempting to collect this alleged debt is a third party " law firm '' and pursuant to 15 USC 1692e ( 3 ) one can not represent as an attorney and collect a debt at the same time without being a debt collector. Lastly, I do not want to speak to this third party as they were not involved in the original transaction and I do not consent to this third party being in my affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX  account # XXXX Dept of Education XXXX 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 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 2020-07-29
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 sent a letter to experian, XXXX, and XXXX  about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days

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: NY
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:
RE : You've violated the United States Code Law 15 U.S.C. S 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my consumer credit report, I noticed that your agency is in multiple violation and I'm entitle to monetary compensation under the FCRA 15 U.S. Code S 1681s-2 - 15 U.S.C. S 1681 ( C ) ( 1 ) ( A ) ( B ) ( i ) ( B ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer, ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is mot initiated by the consumer only if - ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer or credit or insurance ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person, a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FRCA 15 U.S. Code S 1681 ( n ) ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purposes, actual damages sustained ny the consumer as a result of the failure or {$1000.00}, whichever is greater, ( 2 ) such number of punitive damages as the court may allow..

I didn't initiate any of these inquiries, furthermore, if you feel like I did, please send me copies of my written signature given consent of this matter please. 

The items below should all be removed from my consumer report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) XXXX. XXXX XXXX XXXX {$13000.00} XXXX. XXXX XXXX XXXX XXXX  XXXX {$80.00} XXXX. Auto Loan or Lease {$2500.00} Under the US Code 1681n ( b ) civil liability of the natural person, I've been violated. Also, we're already involved and sent this letter to the complaint board portal for the ( Consumer Financial Protection Bureau, State Attorney General 's Office, The Better Business Bureau, and The Federal Trade Commission ). 

Thanks for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
An attorney that I fired is trying to collect after being paid cash in full. I have receipts. 
Just as well, I was notified by Plus Four that the attorney was attempting to collect yet again and that they were going to place this on my credit. I advised that the debt was not valid by certified letter which I have copies of for this exact situation. 
When speaking with XXXX XXXX they were advised of my petition of Bankruptcy and the name of my attorney. The following day, they reported to my credit in a last ditch effort to unjustly collect on a already paid debt. 

Recording of phone call placed to XXXX XXXX, dated XX/XX/2016 @ 11:29am proves notification of bankruptcy proceedings.

Company response to consumer: Closed
Consumer complaint received 2022-09-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My bank account has been closed for a week they said the car was in property used I have tried over my bank account I can't get my bank account I need to pay my bills I can pay my bills it is going to total mess that I've sent emails to the support the support has no phone number to call the whole thing is a mess and I need money to pay my bills right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Was not notified of investigation status or results

Complaint:
Certified mail was sent to Equifax, XXXX, and XXXX regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX  failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Equifax, XXXX, and XXXX  responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.

Company response to consumer: Closed with explanation