BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: Results Unlimited, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company garnished my wages for a 2 party debt after I paid the amount that I owed.I contacted the company to let them know they had already garnished me for {$1700.00} and that the other party to the debt owed the rest and was told by XXXX that it did not matter, so I asked for a manager and the manager XXXX advised that they would continue to collect the debt regardless although I paid what I owed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is not mines and is reporting inaccurately. 

DIVERSIFIED ADJ SVC XXXX  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MI
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:
on. for 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Unions XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX # XXXX XXXX XXXX XXXX : {$700.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Date XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX FIN XXXX Account # XXXX Date XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00XXXX XXXX Account # : XXXX Date XXXX Balance : {$13.00XXXX XXXX XXXX Date XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Balance : {$1900.00} 15 U.S.C 16 81c. ( a ) ( 5 ) Section states : no consumer reporting agen

cy 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2021-08-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian does not allow me to initiate online disputes like millions of other customers. I have spoken to representatives in the past, who stated the " online system '' was " down ''. 

Over the past 3 months, the website gives me an error message, " technical difficulties. '' It provides a telephone number to call ( XXXX ), but I can no longer get a representative to help me. 

The CRA - Experian - has forced me to send all of my disputes in writing, which is unfair and unreasonable. Their decision to deny me the ability to dispute online has made it extremely difficult to initiate investigations regarding inaccuracies on my consumer report file. 

I have not had any resolution or acceptable progress to fix this issue for over 3 months. Experian has ignored me.

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 2023-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am being violated by XXXX, XXXX XXXX Equifax credit bureaus under XXXX ( XXXX ) ( B ), XXXX, XXXX, XXXX, XXXX, XXXX ( a ) ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
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 information incorrect

Complaint:
Hello, in response to complaint # XXXX I have sent Equifax a XXXX of my drivers license with my only address as well as XXXX of my utility bills. Equifax has been causing me harm by failing to provide me with a credit score, defaming my character, and other financial damages. Adverse action was committed against me in the form of my application for a {$300000.00} mortgage with XXXX Bank that I was denied for even though I can not be denied an extension of my own credit. The application I filed out was deposited with the Treasury and I received no consideration. However, Equifax received consideration when they sold my credit information to XXXX. This constitutes unauthorized use of my social security card which is by definition a credit card. I have attached a copy of my correspondence to Equifax and demand my credit score be made available to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXXXXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 There were 3 attempts on my checking/savings account to fraudulantly withdraw money from my accounts via wire transfer. I contacted ALLY.com XXXX attempting to resolve the problem. XX/XX/2022 ALLY locked down my account preventing me from accessing my money. I have made over a dozen calls to ALLY and to their Loss Prevention or so called Fraud Department ( XXXX ) XXXX. I have been told an investigation will call me & they have not. I attempted to contact them via their XXXX account and XXXX account and was texted someone would call me. I want my money back XXXX XXXX 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 explanation
Consumer complaint received 2021-09-03
Company: Sky Blue Financial Services, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up for Sky blue credit repair in XXXX. It started as a 7 day free trial. They did nothing in the 7 days but send me a list of items they would send disputes for. They then billed me XXXX dollars and sent out a few disputes. I signed up for a joint account, myself and my husband. For him they sent out 2 disputes and marked everything else as " stop '' meaning they didn't send out anything. They emailed and said they needed a phone call and then account numbers. I spoke to them on the phone, I also emailed telling them we want everything disputed and do not have account numbers nor did we have to provide them previously when working with another company. The company then directed me to pay for another credit report and get those account numbers. NO I paid you for a job that you have failed to do. I am beyond unhappy with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: MN
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 writing to express my serious concern regarding the unresolved issue of information resulting from an alleged identity theft on my credit file. It has come to my attention that you are currently in violation of the provisions outlined in 15 U.S. Code 1681c-2, which mandates the blocking of such information within four business days of receipt of the consumer 's request.

To my dismay, it has been well over 30 days since my initial request for the blocking of the disputed information, and no action has been taken to address this matter. As a victim of identity theft, I assert my rights under the aforementioned law and demand the immediate deletion of the following accounts from my consumer report : Under 15 U.S. Code 1681b, it is clearly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I want to emphasize that I have never provided any consumer reporting agency with written consent to report any information on my consumer report, as doing so would be a violation of my rights as a federally protected consumer. Any reporting done without my explicit written consent is an act of identity theft.

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 2022-05-17
Company: SYNCHRONY FINANCIAL
State: WA
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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

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 2023-08-01
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know who they are trying to contact and have advised them to stop calling my number so they use a local telephone number to make it appear as a local person is calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XX/XX/5132XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XX/XX/XXXXXXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXXXXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Since XX/XX/XXXX I have been trying to activate my EPPICard, however I have not been successful. There is a typographical error with my social security number that is preventing me from activating my card. I have made several calls and have submitted documentation to verify my correct social security number to no avail. On XX/XX/XXXX, I was told that I needed to contact the Social Security Administration and have them to call Conduent and verify my social security number. Of course, that is not a function of the Social Security Administration, my verification is my social security card. I have been asking to have this issue escalated for days and I have not been provided with a contact person to resolve this matter. On XX/XX/XXXX, I spoke with a supervisor who had me to email my documents again while she was on the phone and she manually verified my identity. This was great, however, she only lifted the fraud alert on my account but never updated my social security number. I still do not have access to my child support funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with Equifaxs handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with Equifax have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as Equifax, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite raising concerns about inaccuracies on my credit report, Equifax consistently fails to verify the information in a timely manner. This failure has resulted in continued damage to my credit score and financial standing. 
2. Extended Response Times : Equifaxs investigations frequently exceed the stipulated 30-day timeframe as mandated by the FCRA. This delay has impacted my ability to secure credit, obtain loans, or make important financial decisions. 
3. Inadequate Communication : Equifaxs communication during the dispute process has been insufficient, leaving me in the dark about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process. 
4. Repeated Neglect : My attempts to rectify these issues with Equifax have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that Equifaxs gross negligence in investigating credit disputes directly contravenes the FCRA and undermines the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against Equifax and takes appropriate action to ensure they adhere to federal laws and regulations. Moreover, I urge the CFPB to hold Equifax accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information. 

The impact of Equifaxs negligence on my financial well-being is substantial, and I trust that the CFPB will take these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Account information incorrect

Complaint:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX accounts with Continental Finance Company. I had insurance with my accounts and sent in the needed documents. I was not working. They failed to process my insurance and caused this account to be delinquent. 
This was during the pandemic. 

XXXXXXXX XXXX {$1200.00} XX/XX/2021 XXXXXXXX XXXX {$1700.00} XX/XX/2021 I have not heard from this company for almost XXXX years and they old it to a collection company. No communication.

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 2022-05-17
Company: EQUIFAX, INC.
State: IL
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:
I was advise by XXXX, Equifax that my XXXX Bankruptcy was given to them by a third party that was furnished by the court. I contacted the court by mail and the court stated that they DO NOT give out personal information I submitted the needed documentation to the credit bureau to remove this item from my credit profile and this still has not happened. 
15 usc 1681 section 602 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Call chase Bank after I was affected by a fraud doing XXXX I send the money and after 2 min they call me that they hacked my sisters phone, I try to get myoney back as soon as posible I did the claim but they told me it wasnt possible since XXXX is cash. 
I blocked everything and got off from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account.

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