BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: GA
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:
XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( Equifax, XXXX XXXX XXXX ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: Diversified Consultants, Inc.
State: PA
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 collection i'm asking you to remove from my account that is {$1300.00} from DIVERSIFIED CONSULTANTS that has been re opened 2 months ago when i want this removed from collections my credit is already bad i dont need it any worse im asking to please remove this from my collections account im trying to apply for a credit card with all these collections and hard inquiries.i cant go no where with out these things gone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday, XX/XX/XXXX I called Capital One as I noticed three accounts were frozen. I was told that day that my accounts were closed and I would receive a check or payment to a linked account. Ive called multiple times to get a status to no avail. Ironically I can not pay my Capital One credit card due to the accounts free/closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXXr opened on XXXX of XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion recently had a data breach and because of that my rights 15 USC 1681 section 602 states I have the right to privacy.

TransUnion has Violated my right to privacy

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 2019-09-20
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with Navient or authorized an agreement with Navient for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXX XXXX  XXXX XXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: DISCOVER BANK
State: TX
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:
I disputed lots of fraudulent payments with discover credit card services and I called XXXX letting them know I never applied for a discover credit card and they put the payment in disputes and within months it was denied by XXXX XXXXXXXX payment systems and I lost lots of money and I never authorized these payments in my name and my checking account was takeover by a thief and XXXX  XXXX has a history not giving people money backs in the past and they are not doing there job at all .discover credit card uses XXXX  XXXX as there bank to collect payments and there bank has denied my claim and refused to refund me these fraudulent payments to me .. I never applied for a discover credit card and I would like my money back that was stolen from me or I will consider legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out numerous of times that I have zero knowledge of this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NY
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:
If, upon completion of your investigation, you find that any of the disputed items are inaccurate, incomplete, or unverifiable, I request their immediate removal from my credit report. Furthermore, I ask that you provide me with an updated and corrected copy of my credit report once the necessary revisions have been made. 

I have enclosed copies of the relevant documents and supporting evidence that substantiate my claims. Should you require any additional information or supporting materials, please inform me promptly. I appreciate your attention to this matter and anticipate your prompt action to rectify the inaccuracies on my credit report. I trust that, in doing so, you will ensure fairness, accuracy, and compliance with the applicable laws governing credit reporting. 

Thank you for your cooperation and prompt response. 

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 2021-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

Portfolio Recovery - {$860.00}, last day of activity XX/XX/XXXX Portfolio Recovery - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

Portfolio Recovery - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: GA
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:
Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: LA
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:
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 Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-07-27
Company: DISCOVER BANK
State: TX
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:
Discover Financial Services is in violation of 15U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX  Consumer Report on ( XX/XX/2022 ) without my authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've revealed many times now that I've been a victim of identity theft. You must remove/block any items opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
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'm " CLIENTS NAME, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Bread Financial Holdings, Inc.
State: TX
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 XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been unemployed for three months so my payment is currently late on my XXXX XXXX credit card which is managed by XXXX XXXX.

Today is Saturday and I started receiving calls from XXXX at XXXX XXXX XXXX. Subsequent calls have followed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and again at XXXX XXXX At this rate I will receive approximately TWELVE CALLS FROM COMENTIY BANK BY XXXX XXXX   TONIGHT  which is when they have to stop calling!!!!!

But this is not the first time it has happened. It happened once before, while I was unemployed recently, and my payment was late. I counted the number of times they called and it was between 12 and 14 CALLS EVERY DAY!!!!! I have been in job interviews when XXXX XXXX called me TWO TIMES DURING THE INTERVIEW!!!

THIS SHOULD BE ILLEGAL!!!! I've had stalkers who have called me less than twelve times per day!!!! And on a SATURDAY!!! When many people are socializing and having to explain the stalker calls on their cell phones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: GOLDMAN SACHS BANK USA
State: OR
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: Overcharged for something you did purchase with the card

Complaint:
I have been attempting to dispute a XXXX transaction wherein the driver changed our destination without our authorization and nearly doubled the cost of the ride. XXXX refuses to meaningfully engage with me, referring me to a XXXX that gave scripted answers, so I filed a transaction dispute ( chargeback ) with Apple Card. This dispute was sat on for nearly XXXX months and rejected with almost no explanation. I re-filed the dispute at the recommendation of Apple Card customer service and had the same outcome almost XXXX months later. They claimed they would provide me with all documentation regarding this case, including XXXX 's reply, but they have never done so. They provide no proof this transaction was authorized at all and will not engage with my sworn statement of events. They only say that evidence supporting the dispute is " insufficient '', except I am never accorded the chance to provide evidence in any meaningful way nor am I allowed to see XXXX 's responses to the dispute. The transaction in question is nearly XXXX months old at this point and in that entire time nobody has provided me with evidence to support their assertion that this transaction was authorized by me or anyone else authorized to use my credit card. This is contrary to industry practice, the Fair Credit Billing Act, and Mastercard 's own policies for chargebacks and dispute resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
When I purchased my condo in XX/XX/2007, Wells Fargo was the preferred lender the builder was using. I have attempted to refinance my loan and I keep getting told that Wells Fargo is unable to refinance my loan because various reasons. For example, XXXX not meeting certain reserves or guidelines, community lost it 's FHA ability. After speaking with other folks in the community who also financed with Wells Fargo, they were being told the same thing. However people are able to sell their property and other owners were able to refinance using other financial institutions. I believe Wells Fargo is being deceptive, discrimination. When I initially applied for the loan I was told take an ARM would be a better option for me because of the lower rate and my plans to sell within 5 years of purchase. When the housing market crashed I attempted to refinance and XXXX became available I was told I was not qualified to utilize the XXXX program. When the required changed for the XXXX ( Value. being under water, LTV ) I still was told I was not eligible

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