BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I returned an item for exchange ( {$77.00} ) to XXXX  in XX/XX/XXXX The item was credited for the return in the amount of {$55.00} on my statement dated XX/XX/XXXX Shipping and handling fees totaling {$22.00} were applied but I was waiting for the replacement to arrive before I paid anything else. 
The replacement item never arrived but in the meantime they applied late fees and finance charges every month for months. 
They sent me to collection by XX/XX/XXXX and were harassing me with phone calls for several weeks. They coerced me into agreeing to an electronic payment out of my checking account. I thought it would be for only the shipping charge but they did an electronic debit on XX/XX/XXXX in the amount of {$71.00}. 
We finally got someone on the telephone weeks later to investigate the charges. Next thing we knew, a refund had been applied to my account on XX/XX/XXXX for the amount of {$71.00}. 
No communication from the company as to why or what their findings were other than the credit, so we assumed that the matter had been closed. 
In XX/XX/XXXX, I received a new statement stating both CREDIT BALANCE REFUND {$71.00} as well as NEW BALANCE {$71.00}. This did not make sense. 
I called ( with the help of my daughter, who has Power of Attorney ) their Customer Service department on XX/XX/XXXX and spoke to three different people. The first person ( I believe his name was XXXX  ) said yes, he could see the problem on the account but couldnt help me. He transferred me to someone named XXXX who informed me that the refund was a mistake and that we still owed the balance but could not explain what that mistake was or why this would be true. 
Over 45 minutes later I was transferred to someone named XXXX ( Badge # XXXX ) who still could not help me. As a result, we sent written PoA information with a letter confirming details of the dispute in XX/XX/XXXX. 
Within a month ( XX/XX/XXXX ) I received confirmation that they had received my dispute and said they would notify me of their findings. I heard nothing. 
The bills continued to come in each month with no other communication. 
Now the latest bill ( dated XX/XX/XXXX ) has ballooned to {$270.00} and they are again threatening me with collection for an item that was returned for exchange and no replacement ever issued. 
In XXXX, I offered to pay the original shipping fee of {$22.00} but they will not respond to me other than sending more invoices. I do not want to pay until I have it in writing that they will close this matter permanently once the original shipping charges have been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions 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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX  Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX 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 2023-10-06
Company: Experian Information Solutions Inc.
State: IL
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 OTHER 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, LA XXXX XXXX XXXX XXXX AV XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 2023-08-07
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: Account information incorrect

Complaint:
Equifax To Whom It May Concern : This letter serves as a final warning regarding violations of federal law and Equifaxs arbitration agreement concerning my credit file, especially in light of the recent massive data breach. 

Despite repeated disputes with valid evidence, Equifax continues reporting inaccurate, unverified information including : - Erroneous late payments on XXXX XXXX XXXX XXXX - Inaccurate charge-off on XXXX Account XXXX - Reporting verified income as a negative XXXX Account XXXX - Omitting full 72 month history of two paid off XXXX XXXX XXXX XXXX & XXXX - Unauthorized, Unverified collections account XXXX - Multiple unauthorized hard inquiries without my consent In addition to these violations, the recent Equifax data breach resulting in theft of consumer information underscores the companys inability to protect sensitive data. As one of those consumers I demand this be rectified asap. 

These violations break numerous Equifax arbitration agreement clauses and constitute negligent security practices under the FCRA. 



Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
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 am submitting this CFPB complaint to express my extreme dissatisfaction with the presence of erroneous account and information on my credit file, and to demand that they be corrected immediately. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to the fullest extent of the law. It is completely unacceptable that the Credit Bureaus has allowed inaccurate and false information to appear on my credit report, damaging my credit score and potentially affecting my ability to obtain credit or other financial services. Despite my repeated attempts to have these errors corrected, the Credit Bureaus have failed to take action, causing me significant frustration and inconvenience. I need the Credit Bureaus to immediately correct the account off of my Credit File : I demand that the Credit Bureaus immediately remove all erroneous account and information from my credit file, and take all necessary steps to ensure that they do not reappear in the future : XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
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 went to XXXX fed to process my XXXX. This XXXXXXXX XXXX collection for {$85.00} pops up. I go to XXXX. to see where the collection came from. MY current account is a different number and active. XXXX can not find the account in their system. My XXXX  account is active today. I disputed this XXXX  days ago. XXXX XXXX XXXX conclude that the {$85.00} dollar is fraud & deleted it. Equifax did not. So I called in to ask them what happen with my dispute with my ID and XXXX and bill. The representative from Equifax tells me to send in a copy of my ID and XXXX card they can not find it. I have sent in an with my dispute. She said the only way that I can get this XXXX  account removed would be to send in my ID and XXXX & bill to Equifax Information Systems LLC po box address they do not accept fax of uploaded documents. Red Flag XXXX The fraud agent could not find my ID nor XXXX cards copies I sent in with my dispute in XXXX XXXX. 
I am very concerned because I have business credit with them also that has discrepancies and will not report my payments to XXXX ....?? Please help me I need this account removed and a copy of my credit report and business credit report for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing and of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 explanation
Consumer complaint received 2023-08-07
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I wrote XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against my mortgage servicer - Fifth Third Bank I pay my own insurance and taxes and do not use the mortgage company to escrow. XX/XX/XXXX I switched home insurance companies from XXXX to XXXX. I few months later I received a notice stating the mortgage company would place force placed home insurance on my home unless I provided proof of insurance by uploading a copy of my statement to the website they provided. About 45 days later I received another notice claiming they would be placing insurance unless I could provide proof the period of XXXX. I was still with XXXX ( the company I had been with for 3+ years ), but loaded proof of insurance from the carrier to their site. In XX/XX/XXXX, I received another letter stating they need proof. This time I called ( XX/XX/XXXX @ XXXX and spoke with XXXX ) and advised that I have provided this multiple times and they needed to correct my issue. I was assured by the representative that all I needed to do was provide my insurance carriers name and number and he would call the agent directly to have all this cleared up. I said I would not be happy if I received another one of these letters or worse yet, they force placed insurance when my home has been covered with no lapse in coverage this entire time. He advised me he would have it all taken care of and to not worry. I asked if i could wait on hold while he called, he said no. I asked if I could get a call back when it was taken care of and he said no, but don't worry, he would take care of it. Today I received a bill from Fifth Third Bank for the cost of them to provide insurance for the dates of XXXX. I immediately called them to speak with someone. I waited on hold for 25 minutes and the call was disconnected. When I called back, the recording said they were closed for the day and to please call back during normal business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen on XX/XX/23, due to fraudulent transactions, that has been resolved. 

The problem is getting them to unfreeze the account. 

They tell me they will unfreeze the account and send me an e-mail in a week to ten days Two weeks later I call them again and they tell me they will unfreeze the account and send me an email.

Two weeks later same thing and no results.

I want them to either unfreeze the account or close it and give me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MT
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:
To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent account from my credit ASAP. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MD
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 informed Equifax that I did not provide them with my written consent to report derogatory items on my consumer report.

Company response to consumer: Closed with explanation