BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from 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 2023-09-25
Company: EQUIFAX, INC.
State: CA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XX/XX/XXXX account was opened I didnt do they used my person bank account to open i disputed all accounts with capital one and they just now closed it and sent money to my bank that was closed due to fraud activity told them its been well over 90 days XX/XX/XXXX now and they cant give me no information as the capital one credit card account was closed I have proof they sent it but now they say they cant use my new bank account I was promised 90 days Id see my money now 9 months still got nothing I need my {$250.00} and I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had XXXX late payments. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on XXXX credit bureau report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2022-03-23
Company: EQUIFAX, INC.
State: IL
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:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX XXXX XXXX help me please Im XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We had a credit card that was originally with XXXXXXXX XXXX and then in XXXX it was sold to Comenity. When we got a bill to pay our credit card in XXXX. We paid it using our online bill pay to XXXXXXXX XXXX ( we had until XXXX to continue to pay to XXXXXXXX XXXX and they would transfer to Comenity ). In XXXX I noticed we had late fees and interest charges so I called XXXX and they said the money would get transferred to Comenity and to give it 1 or 2 billing cycles to resolve itself. XXXX payment also got paid to XXXXXXXX XXXX  and we had the same issue. We got our online billing system fixed to the new address, new company and new credit card number for the XXXX payment. So, our XXXX and XXXX payments from 2022 have still NOT BEEN APPLIED. We have been fighting with XXXX XXXX and XXXXXXXX XXXX to find someone who would help. We received NO help until I reported XXXX XXXX and XXXXXXXX XXXX to the CFPB. XXXX XXXX still would not cooperate and after much frustration they FINALLY sent out the " trace number '' so we could prove we sent the payment in XXXX and XXXX. XXXX from the XXXX 's office at XXXX has finally confirmed that XXXX XXXX did indeed receive the payment. They are saying they sent to Comenity but we are back to square one and Comenity is saying they didn't receive and need a " tracing number '' to track the funds. It has been several weeks and to this day I have not received the " tracing number '' nor has Comenity received the tracing number and Comenity will not credit our account and they continue to charge late fees, interest charges and have been affecting my credit report ( which was XXXX before this event ). It has been 7 months now since we made our first payment. This is insane and frustrating. I proved we made our payment to XXXXXXXX XXXX and they have yet to get Comenity to credit our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I had some fraud on my card, so I called to report the fraud. They submitted a fraud case and deactivated that card, saying I would get a new one. I called a week later when I still didn't have a new card and I needed to login to the website to see my balance, but could not because my card was deactivated. I called in to ask the status of the new card and they said it was never requested. So I " officially '' requested it and asked for it to be sent to me immediately because I have over {$50.00} that I now have no access to and will be charged an inactive fee for not using my card in the 30 days. It's now been a month and still no card. No access to my account ( and thus, my money ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
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: Was not notified of investigation status or results

Complaint:
i was never late in this accounts they need to update this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: VA
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 # 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I Received a letter from IRS stating I received {$5000.00} through Block Inc ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Which someone used my name & social security number to receive these funds. I had never heard of these companies until the IRS notified me of this bill. We have reached out to IRS AND BLOCK INC concerning this matter. I have never received any funds from this company and I have been trying to prove it is a SCAM that someone received {$5000.00} using my name & social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive disputed the two Bankruptcies with XXXX XXXX Equifax and XXXX  that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX authorize the CFPB to act on my behalf! moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a hard inquiry dated XX/XX/2019 on my TransUnion credit report from XXXX National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my TranUnion report. It, however does not appear on my XXXX report. So I decided to call XXXX at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department. 

This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call TransUnion and let them know. I asked him if I need anything from him and he said no, that TransUnion would contact them. 

I call TransUnion back and the representative on the phone tells me that I have to call XXXX back and get a letter of deletion from XXXX. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report. 

I call XXXX back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that TransUnion requested it and still they refused to provide any such document. 

Furious, I called TransUnion back and let them know that XXXX refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above. 

I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in XXXX  's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter. 

I XXXX  this XXXX National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around. 

Please help as I am at a loss as to what to do. 

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 2023-06-24
Company: Upstart 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The sales person at XXXX XXXX, told me that XXXX affiliated mortgage company, Eagle Homes would match any interest rates of other mortgage companies. I decided to purchase this home based on the fact that I would receive {$20000.00} in closing costs and upgrades if I went through Eagle Home and they would provide fair interest rates, comparable to other lenders. I was hesitant knowing they are affiliated companies because I was unsure they'd provide a fair rate. The sales person explicitly told me that they would match any other lender. With that as my understanding, I signed the purchase agreement. At this point, with two weeks out, with the average national interest rate at 3.7 %, Eagle Homes attempted to offer me 4.25 %. I have good credit and 20 % down. I went to XXXX XXXX they offered 3.6 %. XXXX said they would take away my builder incentives if I didn't go with Eagle Homes. However, Eagle Homes is clearly trying to take advantage of there customers. I asked Eagle Homes to provide a reason as to why the interest rate is so much higher than there competitors with no response. 
I gave them a chance to match and they only went down to 3.99 %. Again, higher than the national average and not near XXXX, forcing me to go with Eagle Homes or lose the incentives. I have no problem using XXXX lender but they are clearly steering me to a lender with unfair rates and requiring me to use there lender to buy a house I would not have chosen to afford without those incentives I had before I signed the contract. XXXX and Eagle Homes have done little to nothing resolve the issue at hand. It looks like Eagle Homes and XXXX are forcing me to use a lender or lose $ XXXX in incentives while trying to make back the $ XXXX by charging me high and unfair interest rates.

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 2023-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX wrote off a collection amount of {$220.00} claiming I opened an account with them on XX/XX/2022 and closed it on XX/XX/2022. I had no knowledge any of this even existed. It was written off about XX/XX/2022. I asked Transunion and XXXX to research it and remove it. After presuming my name, SSN, and DOB were sufficient information on the account opened online, they both decided it was still my account. It was opened for an apartment XXXX hours drive from my house. I did not open it because I did not need electricity for a residence I do not rent XXXX hours away. The phone number on the account has a XXXX XXXX area code, which I have never been to. The email address is actually the perp 's name and his birth year!! The criminal was born and still lives in the city in question. I have NEVER resided there. I have been basically ignored by both XXXX and Transunion!!

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 2023-07-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have made several attempts to have these items removed from my report and no one is responding or deleting this misinformation.

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 2020-03-17
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: Information belongs to someone else

Complaint:
These are not mine I have a fraudulent alert on my account the only thing I applied for is XXXX XXXX I wish I would be contacted before Credit is applied for I'm very upset about this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Problem getting your free annual credit report

Complaint:
I have contacted XXXX and TransUnion about the unavailability of obtaining the reports. The customer service was no help, the chat function was no 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