BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: SC
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

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 2022-03-21
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Westlake Services, LLC
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX Texas and Westlake financial of XXXX ca is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX  XXXX  and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. I am a XXXX person, and a XXXX veteran, and a XXXX person, and this company is committing fraud and preventing a wounded warrior from obtaining housing. This company is committing illegal acts and discriminating against XXXX persons and veterans. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX  AND ILLEGAL ACTIVITY.

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: EQUIFAX, INC.
State: TN
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:
After viewing my credit report, I am not happy to see credit inquiries that I did not recognized. My personal information was impacted by Equifax data breach, someone has access to my credit and its ruining it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2022-03-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Both youre agency and XXXX XXXX are in violation of the US laws listed above and are grounds for me to seek legal action. Furthermore, this account charged off XX/XX/2017 and was immediately satisfied. I have also attached a letter from my county attorneys general in which it states according to the FCRA any satisfied charged off account can only report on any individuals credit report for 5 years in the state of New York, which means youre agency is also in violation of the law. I feel like im being taken advantage of and I demand this account be removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Last year I purchased a XXXX holder from a company in XXXX who bills through XXXX. 

They shipped XXXX that didn't fit my phone. They have a no questions return policy on their web site. I tried contacting them XXXX times and they did not respond. 
I filed a dispute with the credit card company Citi and they reversed it out. {$29.00}. 

About a month later the merchant replied to the credit card company that they would ship sometime in the future. 

The Credit card company said that unless I replied by snail mail and attested that I had not received the merchandise ( note the merchant already acknowledged that ) that they would close the dispute. 

They closed the dispute and 30 days later I still have not gotten the merchandise. 

It seems to me that for something this simple XXXX XXXX has worked very hard to make disputing a charge VERY time consuming and difficult. 

I tried to use their web site but was blocked at every turn. Their " live chat '' is a bot. When I described my problem it gave me a link to my statement page.

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 2017-11-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, XXXX XXXX XXXX contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-03-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my Sony/Comenity Bank XX/XX/XXXX statement, which showed a balance due of {$1100.00}. I always pay my balance due IN FULL and on XX/XX/XXXX I paid this balance online, from my primary checking account and THE PAYMENT WAS TRANSMITTED to Comenity Bank, as reflected on my XX/XX/XXXX bank statement. 
When I received my XX/XX/XXXX statement, it showed a previous balance due of {$1100.00}, which I knew to be incorrect, as the payment had been transmitted by my bank to Comenity bank, as was my custom and practice. 
After researching everything and confirming payment had been sent, in a timely manner, I contacted Comenity by phone and spoke with an Account Specialist named XXXX and was given a reference XXXX XXXX  She told me due to a system upgrade, payments had not posted properly. I assumed that they would follow up on my complaint, find my payment and resolve the issue. 
Unfortunately, that has not been the case. When I received my XX/XX/XXXX statement it continued to show the PAST DUE BALANCE, which was accruing interest and late penalties. 

I called customer service AGAIN and was told to provide them with the Trace ID number from my bank, for the payment transfer from my bank, which I did, that number is : XXXX Despite my documentation and repeated efforts, I continue to receive statements that show a balance forward, which includes the misappropriated payment, plus accrued interest and penalties. 

Frustrated that this wasnt getting corrected, on XX/XX/XXXX I sent a letter to the company detailing the issue, my unsuccessful efforts to correct the problem, provided DOCUMENTATION ( bank statement showing the payment, tracing documents showing the transfer to Comenity with internal tracking numbers. 
On XX/XX/XXXX Comenity responded, by mail, acknowledging receipt of my claim, assuring me that they were researching it. It said to allow them 90 days to complete their investigation, which Ive done. 
Ive waited patiently for this to be resolved, but every month I receive a statement reflecting the outstanding balance, with accrued interest. Ive contacted them repeatedly by phone, expressing my concerns about this being reported to the credit reporting agencies, negatively impacting my superb credit history and they have repeatedly assured me it isnt being reported. 
I just received my XX/XX/XXXX statement, which continues to show a previous balance due of {$1400.00}, which consists of my original charges/payment of {$1100.00} XXXX {$360.00} in interest and penalties. 

This has gone on for more than 8 months now. Ive given them PROOF OF PAYMENT, theyve had my money since XX/XX/XXXX and this needs to be resolved ASAP, so I can close this account and be done with this company!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violate

d my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ATTYGENERL Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from XXXX  with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXXXXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$310.00}. 
XXXX XXXXXXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXXXXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TN
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 did not authorize XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, REMOVE THIS IMMEDIATELY. CREDIT FREEZE WAS PLACED ON ALL 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 explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$7300.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$44000.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$22000.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2021-05-22
Company: Merchants and Professional Bureau, 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 belongs to someone else

Complaint:
XXXX has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that XXXX  never once informed them that their information on my CR had been reported as resulting from identity theft. 

XXXX has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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: Was not notified of investigation status or results

Complaint:
I have new information regarding CFPB complaint # - XXXX, XXXX, and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: NY
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 had been using XXXX XXXX but was switching services as they continually were adding random fees to my bill each month. I also didn't need cable any further so was trying to switch to internet only from another provider. I had paid all my bills and returned all equipment but they still said I owed 1 month of bills although the service was not in use for that month. Also every time I called in, XXXX would try to put me in a new 2 year contract even though I was just trying to understand and get rid of these random fees they would apply monthly. XXXX reported that I was delinquent to the credit bureau and as soon as I was aware of this I paid the 1 month balance to not impact by my credit score. My credit score from this 1 delinquency went from XXXX to XXXX at 1 point in time. I would like for this to be completely removed from all my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Dividend Finance Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Contacted XXXX of the credit companies, advised about an alert thru XXXX XXXX XXXX  company pulled my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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 already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation