BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/23 I spoke with XXXX ID # XXXX a representative from Equifax about a block being on my credit file that I did not authorize. Prior to this conversation I was told by an Equifax representative that they had no credit file on me. With all this being said someone is not being truthful. This is causing me grave harm. My bank has not been able to pull my credit report due to this issue! I demand to be remedied for this situation. I am the consumer and I only have the right to block this file! NOT EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has intentionally posted personal medical information across the internet on multiple occasion. Wakefield & Associate has intentionally posted fraudulent claims to my credit report stating that I owe the company. There was never any documents or paperwork sent over to me stating that I had an option to validate this claim. I've never done business or have I ever signed any contractual agreement or documentation with this company. XX/XX/XXXX at XXXX there was a certified letter ( XXXX XXXX XXXX XXXX XXXX ) signed for at the company front office requesting removable of this information from my credit report. 


1 ) Could you provide the name of which company that is intentionally sharing, posting private and personal unauthorized release of information to a public site where anyone can review, gain and obtain of personal information. 

2 ) Could you provide the name of which company that is intentionally using a direct sign of intimidation with bogus claims with a direct violation if HIPPA 3 ) Could you provide information where your company notified me by phone by law, which clearly states that your company has to give me five days to respond before posting this false and inaccurate of information to my credit profile 4 ) Could you provide information where your company sent out letters to me stating that I can request a validation of this debt 5 ) Could you provide me with proof that there was indeed a contractual agreement between myself, and Wakefield & Associates signed and dated with both my signature and also Wakefield & Associates signature on it, stating that I agreed to pay this fraudulent debt to Wakefield & Associates. 

XXXX ) Could you provide the beginning and ending of this inaccurate service that I rendered from Wakefield & Associates with my signature and again Wakefield & Associates/Agent signature on it. 

7 ) Could you provide me with documentation that they went about the CORRECTED LAWFUL way under the Fair Debt Collection Practices Act of XXXX of warning me about my RIGHTS to validation in writing or by mail within the CORRECTED initial TIME frame by law. 

8 ) Could you provide me Proven Documentation that their company practices are not showing fraudulent purchasing of individuals personal information. 

9 ) Could you provide me documentation that your is not using methods of the UNJUST ENRICHMENT LAW 10 ) Again, I'm DEMANDING that my name to be disassociate with your company as well as this fraudulent information to be remove from my credit report, XXXX, and wherever else you might have my name associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. 
XXXX XXXX is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both synchrony bank. XXXX are in violation of my Hyppa rights. 
The company XXXX is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted a dispute for fraudulent accounts on my credit report to transunion XX/XX/2022 As of today XX/XX/2022 I have not heard anything as to what they are investigating or if they are even trying to resolve the issue. From what i understand they have up to 30 days to complete investigation and it has been 33 days as of today. This is not the first time they have done this but I have no other choice but to now submit a complaint for improper investigation into what they have reporting on my credit file. I would like for these fraudulent accounts removed form their reporting standards.This is hurting me and my family

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 2023-07-27
Company: Experian Information Solutions Inc.
State: SC
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 listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, XXXX, Experian to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX Account # XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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.

I have attached documents showing this horrible mistakes on my credit report.

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 2023-05-23
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 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 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been trying to catch up on payments since I retired on XX/XX/XXXX. I was XXXX XXXX XXXX prior to that date. I could not continue to work due to XXXX. Between late charges and interest fees I can not catch up. I applied for social security and received it in XXXX. I have applied for XXXX and am waiting for a response. I can not keep up with payments on our current credit cards and my credit score continues to decline. My husband is almost XXXX XXXX XXXX. We can not pay our daily living expenses. I am told I have to pay by today and by XX/XX/XXXX and we can't as I don't get a check until XX/XX/XXXX. I had to set a {$400.00} payment for that date so I can't pay my other bills. I am working to pay off all our other bills with XXXX XXXX XXXX but we are back in debt the same amount I am trying to pay off. We want to pay our bills, we just can't. I have worked since I was XXXX XXXX XXXX. I worked my way through high school and college. There is no way to get out of this whole it seems. We don't go out to eat, we don't go on vacations, and have a XXXX XXXX. We have an old refrigerator, a washing machine that is falling apart, and don't have central heat or air. We went on vacation once in the last three years for one week and I had to work most of that. Please help, I can provide more information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Because of the Covid pandemic I got behind on my monthly payments. Prior to the Pandemic I had a perfect payment history. I was enrolled in a payment program for Chase Bank. I was told that after making XXXX payments of {$310.00} that my account would be back in good standing and could be reinstated. I made the XXXX payments and brought my account into good standing and received a letter from Chase stating that my account was back in good standing. 

My account has not been reinstated nor was I notified of such. I reached out to Chase cusomter service to correct the issue. I spoke with XXXX ( ID # XXXX ) on XXXX and was told a supervisor would call me back. XXXX ( # XXXX ) called me on XXXX and told me she would review the case and get back to me on XXXX. No one called me back. 

On XXXX I called to make my monthly payment of {$220.00} and to inquire on reistating my account. I spoke with XXXX and he referred my to XXXX  ( # XXXX ). He sent me to XXXX ( # XXXX ). XXXX told me that someone did try to call me back although I never receive any voice messages He also stated that there was no record of anyone telling me that my account would not be reinstated. So I am filing this complaint to implore Chase to do the right thing. I have done everything they asked in good faith, now I accept the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Amsher Collection Services, 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: Account status incorrect

Complaint:
XXXX account that was closed on XX/XX/XXXXXXXX  is saying I owe XXXX  on XX/XX/XXXX. I asked the debt collector to show proof of notice because I was unaware they gave me false address. And they wanted my social Security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing.

EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called on Wells Fargo on XX/XX/2020 because i was having online Access issues. I spoke an agent call length 12 minutes and 50 Seconds # called XXXX. I specifically asked the agent if my account was at risk of being closed due to no usage. Agent responded with no he did not see any indication that it was at risk of being closed. Today XX/XX/2020 i called to inquire on why my account was closed and was advised it was closed due to non usage and was closed on XX/XX/2020 number called XXXX XXXX XXXX They claim they have no record of the call. 

I feel that my card was closed as part of risk management during the Covid pandemic. I ave had this card for long time now. I am extremely disappointed that wells fargo treats consumer using predatory measures

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 2023-07-27
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-09-05
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX received call from XXXX @ XXXX XXXX XXXX. 
XXXX stated she can help with a deferment plan and also help with removing the incident that happened in XXXX. 
XXXX didnt remember what she has said during the conversation. 
XXXX didnt offer the additional she mentioned from the beginning of the call. 
XXXX laughed at me, very unprofessional. 
XXXX was hesitant to provide me phone numbers and address. 
XXXX did help with the deferment however the verbiage provided was too quick to fully understand and not clear. 
XXXX said they sent me via mail and email details of a deferment plan however I never received such notifications. 
If proper communication was done via mail or email with a deferment plan, the late payment and additional interest charges would have been handled immediately and not till XXXX. 
XXXX was advised that communication should be done via mail or email. 
Best practices were not utilized by XXXX or the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Information belongs to someone else

Complaint:
This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance {$0.00}

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 2023-09-06
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX  I signed a three year contract with XXXX XXXX. My montly bill was paid to XXXX XXXX. When I sold my home I notified XXXX  that I wanted to cancel. When I cancelled, a letter of cancellation was sent to me for signature. 

I never signed up with XXXX or made an agreement with XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: OH
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 2021-11-23
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For MONTHS now I have tried to chat in and call in with XXXX and Equifax. Explaining to numerous customer support agents that I have no trouble logging in but I can not access any of their websites services. Meaning, I can not look at a current credit report or my credit score or dispute any new credit companies or debt collectors. I am a victim of the Equifax breach, XXXX breach, and the XXXX breach. I need to be able to look at my credit report and keep an eye on things as I have had my identity compromised by these issues. Yet both XXXX and Equifax keep telling me they've " escalated the issue and will get it fixed '' They NEVER do. I keep getting notifications of new credit added to my credit report but there's a fraud alert and freeze placed on all three bureaus. So, I am trying to figure out how this is happening!! I can not get access! XXXX and Equifax could be allowing fraudulent accounts onto my credit and I can't do anything to verify it because of their error.

Company response to consumer: Closed with explanation