BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: CA
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:
XXXXXXXX XXXX XXXX uses XXXX XXXX XXXX collection services to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and XXXX  refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted Experian and XXXX  regarding this and this was their suggestion because they say that XXXX keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.

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 2023-12-07
Company: EQUIFAX, INC.
State: NY
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: WV
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 been fighting this for almost two years. Their dates are wrong and because of their dates, I look late. They have the account late XXXX, closed XXXX, last payment XX/XX/2021. Its supposed to be last payment XXXX, closed XXXX. I have disputed this four times, provided payment info over and again as well as proof. This is inaccurate and illegal reporting that is basically harassment at this point.

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 2023-04-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. XXXX failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Equifax failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
From : XXXX XXXX XXXX c/o : XXXX XXXX XXXX XXXX Fort XXXX XXXX Florida XXXX XXXX : Citibank N.A . 
XXXX XXXX XXXX XXXX XXXX, SD XXXX Date : XX/XX/XXXX CEASE AND DESIST DECEPTIVE PRACTICE Re : Consumer Credit Application XXXX And to whom it may concern, FINANCIAL ASSET My Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person is XXXX XXXX XXXX 31 USC 9301 Security/account number ending in XXXX Date of birth XX/XX/XXXX After reviewing State and Federal Consumer Credit Protection laws it has come to my attention that I have been misled into entering a comparable cash transaction instead of the open-end consumer credit plan pursuant to Equal Credit Opportunity Act ( ECOA ) and Truth in Lending Act ( TILA ). 

I, consumer, card issuer, am a natural person who regularly extends, renews, or continues credit and/or who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See ECOA Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. ( i.e. social security card/nationality card/ID card/U.S.A. Passport ) See TILA I have been misled by Citibank N.A. as participant in credit decision for Credit as a right ( 12 CFR 226.2 ) to incur debt and defer payment that does not require a down payment ( 15 U.S. Code 1662 ) and ( 15 U.S. Code 1605 ) whereby the finance charge does not include charges of a type payable in a comparable cash transaction. 

Citibank N.A. is the assignee of the original creditor who participates in the decision to extend, renew, or continue credit. See XXXX Citibank required both comparable cash transaction as down payment of {$200.00} and secured Truth in lending Act credit card ( Social Security Administration account number/identification card ) information via credit application as commercial paper for security to extend credit to consumer. 

Executed This Day XX/XX/XXXX pursuant to 28 USC 1746 ( XXXX ) By : XXXX XXXX XXXX XXXX XXXX XXXX of interest

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 2023-09-18
Company: Experian Information Solutions 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:
the accounts was open without my knowledge.

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 2022-02-20
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received XXXX gift cards as gifts, total value of {$150.00}. The gift cards are issued by US BANK NATIONAL ASSOCIATION. When I logged in to activate my gift cards they were already drained. The cards were sent as gifts to me from my mother so I know they were legitimate and unused ; I received the cards in their original packaging, unopened. 
I have contacted the bank several times and sent them the info they requested via fax and they refuse to help me unless I can provide a receipt. I can not provide a receipt because the cards were given as a gift. I am very concerned because this means the data at this bank is not secure if these gift card numbers are being used, even though the cards are not opened. At this point I dont even care about the money XXXX alarmed that there appears to be a lack of regulation and this product continues to be sold in stores, essentially defrauding the people who buy them and give them as gifts.

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 2022-02-20
Company: EQUIFAX, INC.
State: IN
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:
Unauthorized Inquiry Transactions, As requested I contacted lenders directly to request deletion letters. When speaking with them, I provided my full legal name ( including suffix ), date of birth, my current home address and contact number - None of the lenders could verify a request for a credit transaction in their system. I offered my Social Security #, they declined and stated once the social security number is entered into the automated system either by phone or online it is encrypted and they don't have access to it. I spoke with XXXX from Equifax support team on XX/XX/XXXX at approximately XXXX XXXX, she advised that I file a FTC Report and submit my Inquiry dispute via certified postal mail along with the FTC Report. THE FTC NO LONGER HANDLES THESE KINDA OF REPORTS CONCERNING CREDIT ISSUES- THEY SEND YOU DIRECTLY TO CFPB. 

( Inquiry ) - XXXX XXXX, XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XXXX ; ( Inquiry ) XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX ; ( Inquiry ) - XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX ( Inquiry ) - XXXX  XXXX  XXXX  ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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:
On XX/XX/XXXX, someone stole my identity and used it to apply for credit with XXXX. The credit request was approved by XXXX for credit in the amount of {$5000.00}. XXXX failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, XXXX prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, XXXX relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. 

On XX/XX/XXXX, I checked my credit report with Experian to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. 

On XX/XX/XXXX, I contacted XXXX and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that XXXX will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. 

I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, XXXX has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly XXXX has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report XXXX needs to " investigate '' the clear fraud. 

Further, the lack of due diligence by XXXX is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.

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 2022-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b 2. company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

I've made several correspondence attempting to settle this debt and there has been no appropriate response. Company has been asked to validate the debt they are reporting against me and are not able to, but still reporting an unvalidated debt which is you know is against fair credit reporting act. 

They are in violation of server UCC Codes as well. This debt is discharged and they do not seem willing to remedy this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a concern about the compliance procedure Equifax are following. I have tried to resolve this matter multiple times. Please help me hold Equifax accountable. The inaccuracies and identity theft pertain to my credit report with Equifax, specifically related to my auto loan account number XXXX associated with XXXX XXXX XXXX XXXX and an account from XXXX with the account number XXXX. These inaccuracies flagrantly contravene crucial sections of the Fair Credit Reporting Act ( FCRA ), notably Sections 1681e ( b ), 1681s2, 1681c, and 1681o. Of significant concern is the erroneous depiction of a 60-day late payment for XXXX, despite preceding months reflecting consistent and timely payments. Additionally, critical months, such as XXXX, XXXX, XXXX, and XXXX, exhibit missing account activity data, leading to an incomplete depiction of credit activity. 

The account status designation, incorrectly indicating NOT MORE THAN TWO PAYMENTS PAST DUE, contradicts the factual payment history and lacks essential details such as a date of last activity. Furthermore, the reporting of the account status as open or delinquent conflicts with the actual status of the account, which has been paid/closed or paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-05-02
Company: Experian Information Solutions Inc.
State: MO
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: MS
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-19
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency 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. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Experian and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

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 2023-06-06
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is the third CFPB complaint I am filing against Google Pay in the last couple of months. For the third time now my Google pay account under the email XXXX has been suspended for no reason. For the third time I am requested to submit my ID and most recent payment method which I submitted numerous times just to be told over and over the documents could not be accepted. I submitted my driver lisence, bank statement, phyiscal picture of my debit card, everything they asked yet they refuse to remove the suspension from my account and are now blocking me from withdrawing over {$2000.00} in my Google Pay balance which they also did in the previous suspensions. 

It is very sad that a corporation as big as Google is contiously bullying me and holding my money hostage for no reason. {$2000.00} is nothing to this company but for me it is causing serious issues not being able to accecss those funds. I am getting sick of having to file a comlpaint with the CFPB just to get Google Pay to accept my documents and stop holding my account ransom. It is very upsetting that it takes a government agency just to make sure Google Pay follows the rules and doesn't steal from me. I can only imagine how many people have suffered at the hands of this company because they did not have the same consumer knowledge that I have and did not file a report with the CFPB. Please Google Pay stop holding your customers accounts hostage and attempting to steal their money. It is wrong.

Company response to consumer: Closed with explanation