BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated. 
EQUIFAX DISPUTE CONFIRMATION NUMBER 'S REF : # : XXXX DATES : XXXX XX/XX/2019 CONT. ABOVE, AS FOLLOWS : # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 # : XXXX D : XXXX XX/XX/2019 They refuse to correct information after being provided proof. 
They re-report an item thats been removed from your credit report without notifying me in writing within 5 business days.

They fail to respond to written dispute within 30 days.

They try to be both the purchaser of an account or the assignee. Its one or the other. 
They misrepresent themselves or the debt they are attempting to collect on. 
They try to re-age my account by updating the date of last activity on your credit report to try to keep negative information on your account longer. 
They continue to report a debt to the credit bureaus that they have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: DE
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:
There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.

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 2019-10-05
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:
I have continuously spent time and money writing to Experian and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND Experian responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want to use car lot to buy a car but, they Deny me because I couldnt pull my credit report and I was unable to pull my report because, I have a freeze on the account, I need to unfreeze it and manage the freeze, But Im been unable to because, The email that is signed to the account is old, And I doesnt I dont use the email anymore, I been try to contact the credit Company, Since 2020.

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 2023-04-03
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXX Bill-does not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of covington of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or 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 explanation
Consumer complaint received 2023-05-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Applied for credit card with XXXX XXXX Bank on XXXX. Approved over phone with agent for XXXX limit, charged XXXX $ fee to my bank account authorization number XXXX. 2 weeks later card does not come in. I call the company and was told I was declined, I explained situation. Then told company tried to draft XXXX $ fee but was unable to which was again not true. Once provided with authorization number, told fee was drafted properly but account was reviewed again and card denied. Because of this I gave an improper inquiry that the company will not properly send me a letter stating exactly what Happened other then stating I was denied when I applied when I got approved, given limit over live phone with agent abd fee drafted. Now can not get fee removed from transunion as per policy I agreed for premier to pull records and was approved charged fee then denied. Transunion wants me to file with police which police will not take

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 2023-04-05
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 initiated a dispute through the CFPB directed towards Equifax. I called today XX/XX/2023 at XXXX central time to get status of my dispute and spoke to a rep named XXXX XXXX XXXX He stated that the account I was disputing was modified and verified. I asked what kind of investigation was done and exaclty what steps were taken to verify the account in which I kept getting the same response which was " We sent your dispute to the furnisher and based on what they sent back we verified and modified the account ''. I asked again what investigation did " Equifax '' do to ensure this account was 100 percent accurate besides soley relying on the furnisher. I was told " We don't do investigation we reach out to the furnisher and whatever they send back they verify or modify the account accodringly. How is this fair and equitable to me as a consumer that Equifax soley relied on what the furnished gave them to verify the account in which they are wrong. I believe that is against the FCRA and very biased to conduct an investigation soley depending on the furnisher and not conduct a thorough investigation. Please see attatched the account I want deleted immediatley off my consumer report so it won't do further damage to my credit worthiness and profile. I have attatched proof that XXXX and XXXX have already deleted this account and copy of my driver license so you can verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On today collections company LVNV FUNDING LLC reported to my credit that the collections account was closed or settled, I paid the account. 

Then they also reported on the same days XX/XX/2023 to XX/XX/2023 that the account balance increased. 

At this point I feel like one of these statements is false or should not have been reported and has a negative unnecessary impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Stafford Group is calling me about a supposed debt. They have called my XXXX yr old Daughter on her cell phone, my ex husband, my elderly parents. Stafford Group never disclosed to anyone it was an attempt to collect a debt, they told XXXX yr old Daughter there is a case against me and also called my ex-husband. I have screenshots of all of their calls. Stafford Group called XXXX XXXX  and left a message on a random phone stating I owe money and there are charges being filed against me. I have a statement from XXXX XXXX. My elderly parents and ex husband are getting calls all day from them. They have threatened all of us, used illegal debt collection tactics. We have hired an Attorney against Stafford Group

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 2021-09-07
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, there was a charge for {$350.00} on my Chase Freedom card that I did not make. It was at a XXXX ( grocery store ), one that I frequent. I assumed this was fraud, disputed the charge, and it was taken off of my credit card. I thought everything was fine. 

Several days later, I realized that the same exact charge was once again added to my card. I called Chase, who then informed me that because the purchase was made in person with a credit card and I hadn't to my knowledge lost a credit card, it must have been me and therefore I was responsible. 

I called XXXX, and learned that the purchase was for {$350.00} worth of gift cards. They refused to give me any documentation about this. 

I was then back and forth between XXXX and Chase -- both of them were saying that they weren't responsible for anything. 

I eventually got in touch with Chase fraud. I told them everything and they said they would investigate further. 

I made a police report on XXXX 

On XX/XX/XXXX, Chase fraud department called me to investigate further. I told them that I had made a police report. They informed me that even though the credit card number was the same as mine, which was in my hand and I obviously hadn't lost it, there was something weird about it : there was a tag on it that meant it was the first purchase made with this credit card. They tried to swipe again, but the second transaction was denied. The card was never used again after this. 
I told them that we had been having issues with the mail in my apartment building getting stolen, and I would not have been surprised if somebody had stolen the card from the mail without my realizing it. I sent them the police report as well as an email from my building manager telling us that our mail was being stolen. 

I just received a letter dated XX/XX/XXXX that the claim was once again denied, and I will be responsible for all charges. 

I did NOT make this purchase at XXXX 's. It is very frustrating that such a suspicious charge as a bunch of gift cards was said to be valid, and that after telling my story, providing plenty of evidence, and trying so hard to work with them and be honest that I am still being held accountable for so much money that I did not spend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo refuses to reverse payment made to someone else that was Not authorized by me, Im guessing it was an inside job or they should have been able to reverse unauthorized transactions XX/XX/2023 {$460.00} XX/XX/2023 {$460.00} XX/XX/2023 {$460.00} Also capital one should have reversed payment as it was an unauthorized payment and I told them I was the Wells Fargo account holder but XXXX XXXXXXXX did not care at all and send since I wasnt the account holder of the account it went to I cant do anything about it and I should reach out to Wells Fargo

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 2023-10-21
Company: Mercedes Benz Financial Services
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan from MERCEDES BENZ FINANCIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MERCEDES BENZ FINANCIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00}

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