BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

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 non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # 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 explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IL
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 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 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
My identity was compromised and someone tried to apply for credit under my name on XX/XX/2023 from a company called 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 2023-12-15
Company: EQUIFAX, INC.
State: IL
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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) THIS is not original loan provider. Debts were not late in payment due to forbearance and COVID. Past time frame to be on my credit. Caused me severe hardships. Housing issues everything. 

I am attaching the original request to go on XXXX  XX/XX/2018. I battled for for over a year trying to submit documentation. To upload files. To get an answer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mother. Dealing with Identity theft, Mail Fraud IN MY OWN HOME. I WAS fighting STILL fighting to Get housing and OUT OF THIS location, DUE TO MY CREDIT file being so botched, I am STILL IN AN ABUSIVE SITATION. I want these removed asap. I am attaching some emails since it only allots for 5 attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Opened CareCredit card in Either XXXX of XXXX, needed to get XXXX XXXX pulled. Was referred by XXXX XXXX  to apply for this card and was applied for by the provider. Was NOT explained that the itnerest would be so high and it is putting me in a struggle. I have state medicaid insurance ( XXXX  ) and it shouldve covered my surgery. I now have a balance of {$2400.00} which is insane and i cant get it below XXXX even though i make payments above the minimum every month. I didnt want this card and now i am forced to sell my soul to pay for it.

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 2023-10-03
Company: MRS BPO, LLC
State: MO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/23 i received 10 text messages from 5 different phone numbers instructing me to contact them about an issue with my XXXX account. I did contact XXXX direct and there is no issue with my account. 
The phone numbers are as follows : XXXX XXXX XXXX XXXX XXXX The message received is following : Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures. 

I did not visit their portal nor opted out of receiving messages since i did not request anything from this outfit to begin with, nor is there an issue with my XXXX account. 
I contacted them on XX/XX/23 to forward any information they claim they have in writing to my home address. I have yet to receive such information but kept getting the same text messages instead.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NC
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 2023-12-15
Company: EQUIFAX, INC.
State: GA
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 2023-09-05
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 value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There is a card reporting on my credit report that I did not open. I wasnt aware of it because I was homeless at the time it was opened. Once I realized it, I thought I was supposed to be the one to repay it back. I wasnt aware that I could dispute because Im still new to how all of this works. Yet Capital One isnt removing it from any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a XXXX XXXX student loan account in which the payments and principal are being handled by Heartland ECSI. I graduated from XXXX XXXX XXXX  in XX/XX/XXXX. This particular loan was in the amount of {$5500.00}. Since the payments started being deducted from my personal bank account by Heartland ECSI in XXXX, I have not missed a single payment. The monthly withdrawals are {$58.00}. Moreover, I have 100 % payment history with all other accounts on my credit report for the entire span of my credit history, as well as zero derogatory remarks. 

However, in XXXX, XXXX, and XXXX of XXXX, the regular payments were not withdrawn from my account. The loan company has reported these as 30 and 60 day late payments on my account, and I fear a 90+ day late payment will strike my account any day now. I called the company and they did not provide me a reason for why this happened and told me there was nothing they can do. There was no communication to me about the missed payments either. No emails, letters, phone calls, or online account notifications about missed payments. 

It was only when my credit score was critically impacted that I was notified that any payments were missed. My credit score has decreased more than 100 points, putting me in a very difficult situation. Just recently, I was meant to cosign for an apartment lease for my mother so that she can be closer to her job. My application was rejected by the leasing agent, and I could not guarantor her lease because of how negatively this situation has affected my credit score. I can not find her a home to live in until this is resolved. This is a very time sensitive issue, her lease at her current residence is expiring within the year. 

I always have money in my accounts because I am diligent about paying my debts. Integrity is one of my core values as a human being and I would greatly appreciate help in this difficult time. This entire situation has been extremely disheartening, particularly because there was no fault of my own. I am very worried about how unbearable this will become if it is not resolved as soon as possible. I look forward to hearing your response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions 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:
XX/XX/XXXX, I opened an account with XXXX XXXX XXXX  for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manageXXXX. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from XXXX and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by XXXX XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com

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 2023-08-09
Company: EQUIFAX, INC.
State: SC
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'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 2023-08-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by Equifax and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. Equifax and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Relay Financial (US), Corp.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
There were XXXX fraudulent transactions that were happening in our Relay Financial account. 

A partner of mine called me and mentioned that he wasn't the one making them. We automatically called the bank and let them know of what was happening. 

Relay Financial allows any XXXX who has Bill Payer access is able to add a ACH Payment and Make a ACH Payment. Since XXXX XXXX, my partner in these XXXX bank accounts had Bill Payer access, the hacker was able to access the accounts, add payees of choice and make payments. 

Transactions were to XXXX  XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$5000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$9800.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$49000.00} ( XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX, XXXX XXXX and XXXX XXXX didn't go through. 
We connected with XXXX XXXX, from XXXX XXXX and he assisted in freezing account and working on getting the {$29000.00} that were transferred out. He mentioned that we should have it back or an answer XXXX days after incident. I began reaching out every few days to check on status and the bank wasnt responding to the emails and no updates when I would call. 

Reached out to the Relay without responses XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 We have information like ACH account numbers and routing number as well as email for XXXX XXXX. 
Happy to provide any information needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief