BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the following reported accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish a 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 2021-12-23
Company: EQUIFAX, INC.
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:
have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately my credit report. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX. XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Conduent Incorporated
State: NY
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had lost my Way2Go card from New York State so I called and canceled the card and ordered a new one and they said standard delivery fee there be no charge but for expedited there might be a charge I chose expedited, thinking that they would let me know what the charge was before I made the decision, but once I chose that option, they just sent it out and I noticed {$18.00} was taken out of my account. I wouldve never expedited that card had I known there was almost a {$20.00} fee for that! I dont even get money into my account for another three days so that other card wouldve been here in plenty of time with no charge. I would like my {$18.00} refunded. I think when people choose that option they should be letting them know how much the fee is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
i just found out that there is an account with ( loanme XXXX : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents

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 2023-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Last month I needed a computer for work, so I purchased several parts on Amazon where my total cart was {$1600.00}. As it was a big amount I decided to use the equal pay plan that my amazon visa offers. The payment and plan went through flawlessly. I was prepared for the monthly payments that would amount to around {$130.00} a month, but to my surprise when I was checking my account to get ready for the payment the minimum payment was lower than expected. I looked into my statement and come to find out that two of the items equal to {$940.00} where not placed under the equal pay as they should have been. This I was not prepared for as I budget my money accordingly. I reached out to Amazon they told me that they should have been under equal pay as stated in my Amazon statement, so I should reach out to Chase to see why. I reach out to Chase they tell me that that's what Amazon sent them and they can't do anything about it unless I go under their own payment plan ( which makes me pay a fee ) or I need to contact Amazon. It went back and forth for a week of me trying to get to the bottom of why each company is not helping me. Finally on XX/XX/XXXX when I called Chase once again their representative tells me that he'll send a memo to Amazon to see what they can conclude on. I finally got a response yesterday where once again they tell me they can't do anything and it's Amazons fault. I decide to try Amazon again I finally reach a representative that tells me I'll get a refund for those items and should get a response in 3-5 days. This morning I got an email where they said they can't do anything and I need to contact Chase for help. I contact Amazon to ask why if they agreed to send me a refund they're now telling me to contact Chase. For the first time I get a representative that asks for screenshots of my bank statement. It clearly shows those two items are not in equal pay, but he ignores it and tells me it is. I decide to send him screenshots of the individual items where it says they're not in equal pay. He tells me to give him a moment and kid you not 2 minutes later he disconnects with me. Stunned by what just happened I connect with another agent that says she'll send an email to the same people that have not helped me. When i'm trying to tell her something she keeps copy pasting a response of " they'll reach out to you in 24 hours '' ( i've gotten this before they just direct me to Chase ) she spam pasted that 10 times and disconnected me. Now i'm here because I don't think what these two companies are doing is right. When they force me to pay 9 times what I was planning to not get any interest I was promised it makes my budget very tight as I need that money for food/gas/essentials/and other payments.

Sorry for the long message and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 


I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE 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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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 thought I was talking to an Apple Pay support person, she identified herself as XXXX XXXX, Apple employee # XXXX. My Apple Pay was suspended and I waned to know why. She told me my XXXX was compromised and instructed me to go to XXXX and do a gift card ( a few times ) and she used XXXX XXXX XXXX XXXX, zip XXXX, code XXXX. She assured me these would be voided. Then she asked me to download XXXX, using the same XXXX and she kept telling me not to worry all would be voided. She had me XXXX money to my daughter XXXX XXXX and have her send it back. She waned me to go to XXXX and get a XXXX. That's when my daughter came to the house I'm still under the impression this person is Apple support. She continued doing these gift cards with. my daughter. Finally at XXXX XXXX  we decided I was being scammed. So we called the police and reported it. And I have a police report. I'm still not believing how stupid I was. But I have worked with Apple support with other problems and they have always been wonderful. But during all this she texted because I lost the call. 
Sent all the info certified mail to Goldman Sachs and have not heard anything back from them. I have talked to numerous Apple Pay support employees to no avail and they would transfer me to an Apple Support person at Goldman Sachs. The charges have been disputed several times and they want me to pay {$600.00}. All charges that were done by XXXX XXXX in the month of XXXX and her assuring me these were all great. I have not used the Apple Pay card since. The certified mail with copies of everything were sent to Goldman Sachs and signed for by XXXX XXXX. I am enclosing a text message from XXXX when I lost the connection XXXX XXXX XXXX. XXXX has reversed charges and closed account. XXXX said there wasn't anything they could do because the XXXX gift cards were already sent to No first or last name to XXXX XXXX XXXX, XXXX GA XXXX as the XXXX  gifts cards also. I have closed out my checking account and opened a new one. Also clo.sed out XXXX card account and got a new one ( it was attached to my Apple Pay account ). I may have forgotten pieces of all this. But my memory isn't as good as it used to be. Please help me. Thanks for reading

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
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:
I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 


I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-10-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I suggested XXXX in XXXX on XXXX, lost my job and income, and took 7 years to settle the lawsuit in our favor, however, the cards that Chase are reported as written off referred to a first missed payment in XXXX of XXXX, and since the statute of limitations in CT, is 7 years, this debt was unenforceable by XXXX of XXXX, and written off XX/XX/XXXX, when my score dropped XXXX points. 

This information needs to be moved from my report as it is no longer a legal debt. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
DEAR CFPB ; XXXX ; EQUIFAX ; AND XXXX ; SEE ATTACHMENTS - I'm not sure who to talk to anymore, but i have been trying to get this alleged negative public item from my credit report, because it's unverifiable, incomplete, and has multiple inaccuracies. I actually contacted the clerk at the courthouse and attached is proof that they don't report any consumer info to the credit reporting agency. There is no way that they can say that it was verified. 

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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:
On XX/XX/2021, I received a notification from Experian that I had an updated address submitted to my account. When I checked my credit report, XXXX had submitted their own address, XXXX XXXX XXXX, XXXX, AZ XXXX as a personal address for me. 

Upon calling multiple times on XX/XX/2021 for XXXX to resolve this issue and find out how and why this happened, all I'm told is that the credit department that handles those things is not taking calls for at least 4 weeks. 

Having XXXX 's business address reported as my personal information is a major issue they refuse to acknowledge or fix. I have filed a dispute with Experian, however XXXX has violated my privacy rights, in my opinion, and needs to be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My children signed up for instruments at school and ended up not wanting them anymore. I lost my job and was out of work for a while. I tried to make payments and stay current. The company sent my account to collections. They imposed fees of almost half of the debt on top of the debt, never sent me any notice about the debt and just put this on my credit, i was making payments and when i tried to contact them finally they more than doubled the amount due and will not reflect any payments i have already made to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: IA
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:
Previously disputed account asking to verify or delete as I do not recall having this debt with this creditor. Over XXXX  days has passed and I have not heard back in regards this dispute. Credit report is reporting inaccurate information stating incorrect dat last active, date last payment and missing data on closed date and date last verified. Account is reporting " account not disputed '' this is false because I have disputed and I have been ghosted. There is no way that account can state as collection but derogatory at the same time. Account is dead and there should be no late payments reported. Account is a mistake itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
received a credit card statement from an unrecognized bank. The statement contained numerous charges and totaled {$14000.00}. I called the bank and reported fraud. The person took a report and froze the account. Advised me to file this report with identitytheft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : US DEPT ED Account Number:XXXX Account name : U S DEPT OF EDXXXX Account Number:XXXX Account name : XXXX Account NumberXXXX  Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or 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.

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 2022-12-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 Section 2 : 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 un open end consumer credit plan as late for 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