BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Equifax credit report has almost no information. It lists one employer, from 1983 ; nothing after that. No employment, addresses, phone numbers, credit cards, or mortgages. The other credit bureaus have rich and accurate credit history on me. 

I started to file a dispute, but uploading a supporting document ( there is no room for comments ) results in this message : " We are temporarily unable to upload your document ( s ). '' Trying to contact the support center means spending ten minutes battling the automated system, finally being placed on hold to speak with an agent, and after a while being told that you can be called back. I chose that option. The callback came, but only with the message, " Unfortunately, no agents are available to call you backor press 9 to cancel the callback. '' ( exactly like that, with that odd break in the sentence and no option besides 9 ). I simply hung up, but this same call kept coming, so eventually I pressed 9, just to stop the harrassment. 

In other words, they have a completely deficient report on me but give me absolutely no way to get it fixed, with impossible automated telephone support and fake, nonfunctional facilities for document upload and agent callback. These are fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: OH
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MO
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 2021-10-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC

Contact XXXX XXXX XXXX XXXX, SCXXXX
(XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: EQUIFAX, INC.
State: FL
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:
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 to be 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 or correct 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
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 had contact the companies and they always tell me that they will remove inquiries but they don't I have been going back and forth with them for months with any luck. this is my last resource,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I mailed off a letter to Experian and XXXX on XX/XX/2022 of a bankruptcy that was on my credit file that needs to be removed. It been 111 days no answer.

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 2023-01-02
Company: Aqua Finance, Inc.
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 have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 AQUA FINANCE Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 INQUIRES ON XXXX : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received alerts from XXXX via my Citibank account that {$4900.00} was sent to XXXX XXXX. I did not authorize this XXXX and I do not know the person. Whom ever hacked my account continued to send {$500.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, and {$490.00} to various people. The hackers also opened 2 unauthorized checking accounts and put {$5200.00} from my savings into these fraudulent checking accounts, {$2600.00} in each account. I contacted Citibank and after several hours, I finally got ahold of someone and it took several weeks to get someone to help me. Citibank credited some of the initial XXXX balance and continue to ignore the other XXXX. XXXX is not a service I use often and I would never send so much money in one day in a 2-hour window. I froze the accounts, changed my passwords, and contacted the credit companies. I changed my email password because I started receiving thousands of spam from websites I do not use. I have filed a dispute with Citibank twice and my claim continues to be denied. I have had almost {$9000.00} taken from my checking and savings, there are two checking accounts separate from my primary account that have been without my authorization and Citibank continues to ignore my pleas. I have signed up for XXXX and frozen my credit with all three of the credit Bureau '. I have been a customer with Citibank for over 15 years and this is the worst treatment I have received by any financial corporation. I am a XXXX, with a family and I can not accept that they are just allowed to do this. XXXX and Citibank need to be accountable.

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 2017-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My husband added me as an authorized user to his bank of america credit card account back in XXXX of XXXX. They asked for my personal information including my social security # to issue me the credit card. The whole idea behind adding me as an authorized user is to help build my credit. It is now XXXX and it still is n't being reported to my credit report. This is hurting my credit score because I am missing revolving credit history when in fact I should have history from XXXX XXXX and up showing I pay this credit card on time every month. I have repeatedly called them and submitted a complaint internally to bank of america and they sent back a form letter stating it is being reported which is clearly untrue. No one seems willing to help me there and I feel powerless. I am trying to buy a new car next year and this is really going to hinder me from doing so. I have included the letter they sent me which has the account information on it. 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 non-monetary relief
Consumer complaint received 2023-12-27
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:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-30
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Four fraudulent transactions totaling XXXX posted to my account in XXXX. I was not alerted to three, and they cleared right away. I received a text alert for the fourth and discovered the others ( for XXXX, XXXX and XXXX, all to the same company ) when I opened my online account. I reported all four immediately. Within the next few days Barclays reversed the charges twice. When I tried to pay my XXXX legitimate charges of XXXX, I could not because the card had been stopped, and the erroneous credit wiped out the legitimate purchases. I tried to pay what I knew I owed online and was repeatedly denied. Over the next few weeks I made dozens of phone calls, some of which were dropped by the representative, others that made me wait over an hour for a representative to pick up, to try to pay my bill and get the duplicate credit removed. Barclays solution was to offer me a check refund of the remaining credit which I agreed to and put in escrow. Meanwhile I could not pay my {$120.00} XXXX bill as well. I was unable to pay anything until the XXXX bill, when I paid the few charges I made after receiving my new card. In XXXX the fraudulent charges reappeared. Although no representatives have been able to explain why themselves, after several more calls I figured out that Barclays is trying to claw back the legitimate purchases that were wiped out by their erroneous credit and the amount of the refund check. I asked for an accurate bill reflecting this so that I would not be paying the fraudulent charges. Today I received a letter referencing my " credit report dispute '' and that Barclays is amending their report to credit agencies. I have no idea what is in my credit report and never disputed it. I just want an accurate bill and I do not want to pay fraudulent charges that Barclays already acknowledged I do not owe. Today I mailed Barclays three separate checks, for the two months activity I legitimately owe, and for the escrow amount, which they should receive well before the XXXX due date. I always pay my bills in full. I have closed the account. I fear how Barclays handles fraud. I was not timely alerted to significant fraud ; after my reporting Barclays wrongly credited me disabling my ability to pay my bill ; apparently Barclays then made a negative report to credit agencies ; and to date Barclays still does not acknowledge the mistakes they made and what I truly owe.

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 2023-01-02
Company: National Credit Systems,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:
National Credit Systems has reported incorrect information that is not attached to me and have tried to dispute the account, but they deny the dispute and have yet to show no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: The CBE Group, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE Group has called multiple times a day, many times it's different people calling and different numbers They've called me multiple times even when I explained I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: PA
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:
Multiple inquiries on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have no knowledge of the Radius Global Solutions account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: SOUTHSTATE CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
What is this complaint about? 
Cost and time to constantly have to keep contacting the bank technical/security team to get access to my online banking. 

What type of problem are you having? 
I am a XXXX Citizen and have a bank account with Center State Bank in XXXX, Florida. I had a holiday home there hence the reason for the bank account. I have now sold this property but need to keep the account until all my taxes and administrative items are finalised probably into the middle of 2021. 

Every single time I try to log onto the online banking it says I have been locked out/or there is an error. 

I telephone the bank at considerable cost to me to get absolutely nowhere with them. They get me access which normally takes them anywhere from30 - 60 mins ( all the time hanging on the phone from the XXXX XXXX! 

But as soon as Iog off from the account and try to log back on the exact same thing happens again. So I have to phone the bank again - they refuse to deal with me via email - which is not helpful at all. Or what would actually be helpful if they could just sort out the account. 

What company is this complaint about? 
Center State Bank Who are the people involved? 
I have spoken to : Branch Branch Manager Central Bank XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with monetary relief