BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: AZ
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:
In XXXX of XXXX upon moving from XXXX  to XXXX, I was told by my bank, XXXX XXXX XXXX XXXX, that I would be able to conduct banking at a large number of credit unions and would not need to close my account. Once I arrived in XXXX  and tried to make a deposit, I was told that I was not approved to make deposits out of state. This resulted in my account becoming overdrawn and I had no way to bring the account up-to-date unless I traveled to XXXX, which was not possible at the time. 

So, the checking account went to collections. In XXXX of XXXX, the bank finally decided I could mail a check to an address in XXXX  to clear the account. So, I did so and received a letter back from the bank showing it was paid in full. 

However, the account was and is still showing twice on my credit reports. Both entries show the same account number. However, one shows when my account was actually opened in XXXX and the other shows an account was opened in XXXX ( 16 years before I was even born ). I've tried multiple times to get them to remove the second entry and have disputed it with the credit bureaus several times. 

On my latest dispute, the bank reported to Equifax on XX/XX/XXXX that this account now reported a late payment in XX/XX/XXXX. How could I have late payments on a checking account that was paid in full in XX/XX/XXXX and has been closed since XXXX? How can payments even be made on a checking account? All of the reported data is incorrect. The two entries on the credit report even show the same account number being opened on different dates. 

I have been fighting to have this removed for nearly six years now. I can provide the paid in full letter as well as show the incorrect credit report as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: LA
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : XXXX XXXX XXXX Account NumberXXXX Account Name : Navy Federal Credit Union Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 with 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.

XXXX XXXX is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
To Whom it may concern, on XX/XX/20, I sent a letters regarding inaccurate and unknown items on my credit report. to this day over 60 days later I have not received a response yet. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/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 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove all the outdated mailing address off my personal credit exempt the address on my driver 's license I do not live at the other address my personal information is being sent to other people houses my information can be stolen they did not update my address and delete old ones they did not sent me a letter within 30 days Remove address XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX LA I don't live nor have I lived in those places remove 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 non-monetary relief
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent in a letter certified every 60 days certified with a copy of my social ID bank statement and FTC report. It's been 8 months and nothing been done. my last certified letter was sent in on XX/XX/2021. I sent in copies of proof of my identity and the letter they should have on file already.

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 2023-10-25
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: 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 items 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 any items 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. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This was previously reported to you under Complaint # XXXX. We received the attached XXXX statement with a $ XXXX balance ( also attached is the XXXX statement with more charges on it ), but according to my records, they still owe me for paying the XXXX bill, in the amount of {$340.00} twice ( once in XXXX, which was FINALLY received by them over a month later, but yet posted as if it went through a clearing house and not by the actual check that I mailed to them, causing me to not be able to get a copy of that check ) and again with the XXXX bill, since, according to them, they didn't receive it, but yet they did - XXXX  days before the due date. According to my calculations, they owe me for the XXXX payment of {$340.00} plus service charges and fees totaling {$30.00} for an additional amount of {$370.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently ran my credit report and saw incorrect information reported by XXXX XXXX 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.

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 2021-01-11
Company: ERC
State: AZ
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:
Have an item on my credit report from company that is not mine.have requested documents and nothing received from company or credit bureau. The credit bureau refuses to allow me the option to upload any documents online. They cont to close with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a card from XXXX thru Comenity Bank that I did not apply for. Within days, I received a letter stating that there were " potential security concerns ... ''. Because this is the SECOND issue of this nature with cards being issued fraudulantly in my name, I want this account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: Financial Recovery Services, Inc.
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:
My husband and I keep getting calls from number XXXX. They keep asking both of us for personal information such as phone numbers, mailing address, birth date, and SS #. We do not give them this information but ask them what the call is regarding, They get rude and say they can not tell us that information until we give them the personal information. 
We both have pulled our credit reports and there is nothing on the reports to indicate a past debt is due for anything. 
I XXXX  the number and it looks like it is a scam number acting as a debt collector for debts that do not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. 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 explanation
Consumer complaint received 2019-04-17
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This letter is an explanation of the collection item list under XXXX XXXX XXXX, XXXX. I signed a rental lease for my son under the pretense that I would ONLY guarantee his portion of the rent. I stated this in writing on the lease, I spoke with the property manager about this on multiple occasions and it is stated that each person had to provide a guarantor. On the final conversation with the property manager, he assured me that all three of the individuals residing there would need their on guarantor. Nothing further was provided to me outside of a copy of my sons form and my form.

My son and his roommates did not pay for approximately the last two months. The other roommates abandoned him there refusing to pay rent or utilities. Once he could no longer keep the electricity on, he too was forced to leave the rental. He was homeless for a period of time without our knowledge of what in fact took place. 
Approximately within a years time, I attempted to contact the management company to resolve my sons portion of the rent. I was told that the account had been transferred to a collection agency. I contacted them and discussed the matter and made an attempt to resolve my sons portion of the rent which is approximately {$600.00}. Adamantly they refused to settle or accept my offer. 
Over the course of the past 3 years, I have made several attempts to resolve this matter but the collections agency states that I am solely responsible regardless of what is stated and the verbal arrangements I made. I have offered to pay {$600.00} on multiple occasions to no avail. They have even stated that I need to provide contact information for the other gentlemen. I do not know these individuals and have no means of locating them outside of what was provided on their lease ( that was given to me by the collection agency ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-10-25
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: Information belongs to someone else

Complaint:
This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for a Discount Tire card online through Synchrony Bank. During their process the system attempted to send a verification code to a cell phone number I did not provide. I then called the bank and they sent me to an online system for verification of identity. That system required me to submit a five second video of myself and photos of the front and back of my Colorado state driver 's license. I then called them back and they said I was denied and they would send me a letter in 15 days as to the reasons. Since they have decided I should not be their customer I requested they delete my image and the image of my drivers license. They refused. I asked them for what business purpose they were keeping my personal information as I am not a customer. They said they could not tell me and that I could write and complain but they would not delete my personal information and implied they would keep it on file in perpetuity.

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 2023-01-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I have already disputed this item on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove it nor prove validation to me. 

XXXX - Account XXXX : XXXX

Company response to consumer: Closed with explanation