BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account XXXX : XXXX 2. ) Account XXXX : XXXX, Account XXXX : XXXX 3. ) Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 an account without my written instructions

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 2022-01-31
Company: ClearOne Advantage, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am attaching my request to cancel and reimbursement letter I send ClearOne Advantage XX/XX/XXXX. Within the letter, my complaints are noted. 

A ClearOne close out rep called me XX/XX/XXXX. She completed the official process of canceling my agreement. 

She said the money in my XXXX XXXXXXXX XXXX account will be refunded with in 5-7 days so I haven't seen it yet. 

XX/XX/XXXX {$180.00} was the amount in the XXXX  account, upon checking my XXXX  account today XX/XX/XXXX XXXX took yet ANOTHER fee of $ XXXX bringing my refund down to XXXX. I want that {$8.00} back also. 

But nothing was mentioned on the close out call, of the remainder = {$1400.00} of the reimbursement I have requested. 

As my cancel letter states, I am experiencing significant loss due to being mislead Into using their service. 
I feel deceived and kept in the dark. 

I feel my request for reimbursement is very reasonable. 

Considering over the last 3 years. I have paid over XXXX in ClearOne and their partner XXXX XXXX XXXX Fees. 
While 2 of my enrolled creditors, sit neglected and my others have been paid a few dollars a month. How my account was positioned and heavy up front fees like that, these 2 creditors would have not been contacted to even discuss negotiating untill mid XXXX over 4 years after enrollment! 
That is unacceptable! 
That doesn't show my credit or creditors are in their best interest. 
I have to add how their customer service is Not of service. I have emailed countless times over the last 4 months and most go totally unanswered. When I do get a customer service rep on the phone, they don't know the latest on my issues and I have to start over explaining. Documents not attached. I have been told someone is to call me and a certain time, no one calls. I leave messages for a call back, no one calls. It's been a very disappointing experience. 

What I was sold on isn't the truth of the reality. If I had know what was really going to happen, I wouldn't have signed up. I decided I wanted to submit this complaint for one I need the reimbursement I have requested and it's important people know the truth behind this " service ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
today XX/XX/XXXX i contacted transunon i explained the situation about XXXX  XXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX  has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the transunion board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from capital one mentions nothing of the sort i read it .this account is XXXX XXXX years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..

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 2018-05-12
Company: FC HoldCo LLC
State: AP
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Firstly, I have tried multiple times to try to email and mail the company to obtain a copy of the original loan ; however, the company has never provided me with one. Additionally, I currently am XXXX XXXX service member and I have not been in Arizona for the past 4 years to be able to sign up for a car loan or obtain a car. I was previously married to my ex-husband ; however, we are divorced now. I know this car loan was opened without my consent or permission from my ex-husband and the car dealership. I have also tried making contact with the dealership to obtain a copy of the loan they, unfortunately, do not retain records of that. I have been dealing with this for about 2 years now. So when I finalized my divorce on XX/XX/2017, I included the Auto Loan into the debts that my ex-husband would pay to further protect myself. The judge sided with me. He, unfortunately, will not provide me with any documentation and will not respond to my emails and has blocked me all on social media sites. He voluntarily returned the vehicle and will not make any payments towards it. Now it has been written off on my credit report around {$16000.00}. I really need someone to help. I have legal representation to file a complaint and documentation from the court of XXXX XXXX in Arizona.

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 2023-10-12
Company: EQUIFAX, INC.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-07-21
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Between XX/XX/XXXX and XXXX XXXX took XXXX out of my account this was unauthorized they autorenewd already cancelled subscriptions and refused to give me my money back so I contacted my bank Money Lion to dispute the charges and today XX/XX/XXXX is the XXXX day since I filed my disputes and under regulation E they have 10 days to resolve dispute or issue a provisional credit while they continue to investigate and they havent issued updated and keeps saying I may not be eligible for the credit when I sent the written confirmation in on the same day I filed the dispute and the unauthorized transaction meet the requirements under regulation E and they refuse to connect me with the dispute department or giving me a update furthermore more the deposits that were posted into my account by mistake were XXXX payments made out to me for my daughters and these checks are to be used for their expenses only they have no obligation with anyone to owe any money This is my first and original dispute MoneyLion merged this dispute with my direct dispute with them over my credit reserve money from the credit builder loan being took for an instacash payment. They cancelled my dispute with XXXX and this triggered the provisional credit I just received on the XXXX to be reversed doing so the money promised to me was once again taken for a dispute they did not correctly investigate this company is very incompetent they dont throughly review anything and I have lot my car behind this and had my phone disconnected I will be filing a complaint with the Ohio state attorney general as well this is exhausting and you can never talk to anyone who can help they will lie and say these departments work offline I repeat offline but they are somehow able to receive email they have lied to me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30 to 60 days later I have not received a response yet.

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 2021-05-07
Company: Bread Financial Holdings, Inc.
State: NY
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:
I've been in contacting Comenity/XXXX since XX/XX/XXXX about a dispute with XXXX on XX/XX/XXXX for a hotel. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX due to an infestation. I had XXXX days left on my vacation but I ended up booking an XXXX for the remainder of my time. Every time I contact Comenity/XXXX they close my dispute ( XXXX ) claiming I don't have enough information. I've typed out what exactly happened with dates, sent in pictures from XXXX saying that I would be reimbursed for the remainder of my stay and that the property XXXX agreed to that, and of course, after I check out it's a different story. The burden of proof is on Comenity/XXXX 's customers. Even when you send in proof they still force you to provide more documentation. At a certain point I assumed they would ask me for video footage of me checking out of the hotel! They claim you can dispute via message feature on their site however every time you send a message they force you to send more information that you already sent and tell you to print it out and send it via snail mail. I'm out almost {$700.00} because they refuse to actually look into the situation. I was told their job isn't to dispute inaccurate charges but to dispute fraud and that I need to work it out with XXXX even though they XXXX through their teeth and they allowed the hotel to keep funds that didn't belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MI
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30 to 60 days later I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$56000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am sending this letter to your agency to dispute information on my credit report due to the accounts that were opened fraudulently under my name. 

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 2023-05-11
Company: Resurgent Capital Services L.P.
State: NC
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:
There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is Capital One. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost 2 years. I submitted MULTIPLE disputes to XXXX, XXXX and XXXX and stated that i NEVER had an account with Capital One from XXXX of XXXX. XXXX deleted the account from my credit report. XXXX and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and XXXX has refused to delete. If this account is not taken off of my credit report I will file a lawsuit against XXXX, XXXX and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. XXXX and XXXX have a legal requirement to remove falsely reporting information and have refused.

Company response to consumer: Closed with explanation