BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: NY
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 send a letter to Equifax Credit Information Services incXXXX on XXXX to remove these accounts immediately which were wrongly reported on my credit reports : XXXX XXXX. Account Number XXXX the amount charged off is {$8600.00} ... Account Name : XXXX XXXX Account Number : XXXX amount charged off {$6300.00} ... Account Name : XXXX XXXX. Account Number:XXXX, Amount charged off {$2500.00} ... Account Name : XXXX XXXX XXXX.Account Number : XXXX, Amount charged off {$5900.00} ... Account Name : XXXX XXXX  XXXX/XXXX XXXX . Account Number : XXXX Amount charged off {$630.00}... It has been 30 days since I send my letters, the credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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 been requesting my credit reports from both Equifax and XXXX for the past three months. I started calling both companies back on XX/XX/XXXX to obtain my credit reports. 

I originally requested my credit reports from XXXX and I was only about to access XXXX. Equifax and XXXX both denied me of my credit report and ERROR kept coming up at the time of my submission. 

I called Equifax and XXXX I sent in my 2 forms and identification and a statement letter of my identity and yet still I am unable to access my credit report. I have spoke with managers from both credit bureaus and I they say 72 hour update but its been month and I constantly call in to check and I havent gotten any results. 

I recently found out I can make this complaint and ask for help so I am doing so. 

This has cause financial distress on my life due to my credit being the core factor of my financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by Equifax and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NE
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX  Date of Inquiry 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 explanation
Consumer complaint received 2023-09-25
Company: Google Compare Credit Cards Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Over the past month, Google arbitrarily refunded the trade in credit to its store credit account while it should be going back to my credit card. Upon requesting, Google refused to provide a valid solution. Amount {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: SC
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:
After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. 

I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated.

15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Installment is violating multiple laws and my rights as a consumer. They or reporting incorrect information to the credit bureaus the account balances across the bureaus or not matching or the same. They or constantly calling my phone and sending certified letter exposing my personal business. Creditors is calling before XXXX they or mailing stuff and one the envelope they or disclosing who they or..Accuracy of the account is not correct across the credit bureaus

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 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I have yet to be reimbursed payments my identification was stolen someone has used my info on the card as well as was in my region this is ridiculous I reported this for them to help me not take the money that im entitled to and put me on hold and deny my claims this is not fair at all why is this happening and the first time the computer denied it what do they expect for me to do I asked if I needed to make a police report about this but their employees told me no so now what am I supposed to do iv givin them all the information I know then iv been lied to by so many of theur employees I cant believe anything they are saying I want whats mine I did nothing wrong this is my second time being a victim of identity theft but never has it ever been this hard on me to get it resolved can you guys release my money please iv struggled long enough because of this and my claims are legit I was even told another card was ordered under my name I need them to reimburse my account and investigate this or give me what they took from me please Iv been waiting for months now for this to be fixed I need my funds back They are not trying to fix this not to mention they put my account in the lost column and they are misguiding people

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 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
My husband passed away on XX/XX/2020 shortly thereafter his identity was stolen. I started receiving credit card statements with charges in other states than the state I reside in. I have been trying to work with the credit card company for over 1 year without any success. The credit card moved all of the fraudulent charges from my husband 's name to my name and now they are trying to hold me responsible. I am a senior citizen and do not deserve this type of treatment. I have had enough to deal with losing my spouse of 50 plus years. I had the same issue with other credit card companies and the fraud was resolved within 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried numerous of times to unlock my credit report and remove the security freeze and no one at Equifax will help. I have tried using my Equifax credit to apply for XXXX home services for cameras for my home and keeps showing my profile is locked. I have spent multiple HOURS and DAYS on the phone with rude customer service reps that clearly tell me the file is unlocked and still shows to be LOCKED. I tried applied for other credit and my credit shows completely frozen. I can't use my credit for anything when any company uses Equifax to run my credit. I have contacted my attorney for this matter as well. Equifax is making me SUFFER by not allowing me to establish credit. I do not have any problems with XXXX or XXXX. I was once a victim of identify theft and have now straighten everything out and still they will not unlock my credit. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX in XXXX NC claimed I owed {$10.00} for a month of service in a rental home after I had already given notice I would be leaving on XX/XX/20. They could not give proper time frames and kept changing story and owed amount on me after I called and spoke to 2 representatives who could not justify why I owed said amount but kept receiving bills. I filed complaint with XXXX  in which time they finally got their story straight that I owed a final bill amount of {$10.00} yet never sent a paper bill showing dates of this. Agreed to pay but before I could I had FirstPoint XXXX  threatening me with a collections for said amount. This amount was sent to collections before a proper amount of time was given to me to pay it. Paid final bill amount on XX/XX/20 of XXXX. Received another notification from FirstPoint XXXX today. I want the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I ordered XXXX XXXX XXXX internet installation service at my service address. 
XX/XX/202XXXX XXXX XXXX XXXX promised installation but their installation crew never showed up XX/XX/20XXXX XXXX XXXX XXXX  customer service informed their crew will be available XX/XX/2022. 
I immediately canceled service - service cancellation confirmation number XXXX was generated by XXXX XXXX XXXX for an account that gets activated XXXX XXXX. They added notes to this confirmation number since the account was being cancelled without getting activated ( please note : XX/XX/XXXX to XX/XX/XXXX the account was not active ) Account cancellation related survey requested by XXXX XXXX XXXX on XX/XX/2022. 
Equipment was returned unused. 

Since no crew showed up to install the service, the service never started. 
XXXX XXXX XXXX has since XXXX the online account and their customer service never gets any answers regarding this matter. 

In XX/XX/2022, I started getting incessant calls from a number in XXXX, eventually when I picked up it was Credence Resource Management  calling to collect an XXXX XXXX XXXX XXXX claim for debt for services ( *that never got installed and never used ). This was promptly disputed over email. 

I am getting contacted regularly by credence over email and phone that I still owe them the money for services that I never received and I need to again dispute the claim. 

How do I stop XXXX XXXX XXXX XXXX Credence from XXXX XXXX into paying the money for the services that were never started?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. XXXX XXXX informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused XXXX XXXX to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. XXXX XXXX admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. XXXX XXXX also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If XXXX XXXX would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has violated my consumer privacy rights. I have not given Transunion authorization to sell or misuse any personal data. This act is a violation of my civil rights and Texas Consumer Privacy Protection Act. No person may solicit, misrepresent, or sell any personal information without the consumer authorization. Transunion has violated Texas Deceptive Trade Practice Act selling information to XXXX to harm my credit. Transunion and XXXX has violated the federal XXXX XXXX of 1999 limiting the transfer of your personal financial information to third parties. Transunion, XXXX and XXXX had violated the HIPPA ACT sharing my medical data and personal financial data. Transunion has not sent any method of verification of the inaccurate information on my credit file in the public section. Transunion claims they have verified the inaccurate information with the court. Court does not report to credit bureaus due to privacy laws. Court does not report to any credit bureaus or third party companies. Transunion has failed to investigate the inaccurate alleged bankruptcy o my credit file and has failed to provide a legal notarized original of who can testify an alleged bankruptcy exists. Transunion first displayed the alleged bankruptcy on my credit from XXXX, now they are making false claims that the court has given them information. This is all a lie and Transunion misusing my credit. There is no bankruptcy on my XXXX ad XXXX credit. I have the right to file suit against Transunion for violating my civil rights and harming my credit file.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-05-21
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Instead of settling my claim of 3 wrong charges and cleared the charges, Wells Fargo fraudulently created and more fraudulent charges of charges, even though we've stopped using their Visa since XX/XX/2016. There was certainly fraud created with computer maneuvering of printing tens and tens of pages of charges. I'm senior citizen and have respond to their 20-30 phone calls that three fraudulent charges should be cleared as they handled similar fraudulent charges in the past. For Wells Fargo the credit and improper trouble they imposed on us are rolling bigger and bigger like snow balls. Now each day different people called ; there has had being been ten people all claimed to be Wells Fargo authority. I am XXXX and in bad health to receive such persecution. Wells Fargo 's approach has been not reasoning but convincing me that I'm owing about thousand dollars. Bur my question is : For What particular Charges bane them ). Their 20+ pages computer print out confused the matter and looks  fraudulent.

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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted 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