BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: AL
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 am a victim of Identity Theft and Fraud. I have contacted XXXX, XXXX, and Equifax more than 90 days ago to inform them that I am a victim of Identity Theft/Fraud, yet each refuses to remove the accounts that were created due to Identity Theft/Fraud. According to FCRA, all accounts created as a result of identity theft/fraud are to be removed from credit reports IMMEDIATELY! 

I have filed several incident and police reports to bring this to the attention of local authorities as well as to the creditors, yet the Credit Bureaus continue to make false claims that the accounts in question have been verified. This is impossible because the accounts are not valid and were opened due to Identity Theft. All instances of the following accounts which are referenced on the police reports and FTC reports, should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS : Fair Collections and Outsourcing - {$24000.00} XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$2000.00} Furthermore, the following accounts have been compromised and fraudulent charges that I do not recognize have been added to my balance, creating an adverse affect that has been damaging to me : XXXX XXXX - {$600.00} In addition, The following Inquiries are also the result of Identity theft and should be DELETED IMMEDIATELY, below are the Inquiry Creditors and the corresponding date of each inquiry : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; 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 ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; I can not wait another day for these accounts to be removed !

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MA
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 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 explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I was locked up in prison when these account were opened.

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 2023-11-18
Company: EQUIFAX, 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 XXXX XXXX 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 604 A. Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions.

Company response to consumer: In progress
Consumer complaint received 2023-08-12
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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called and emailed them but they have refused to reply. I sent all document requests but they have refused to do anything. This is hurting my credit and all the plans I have. its ruining everything for me. 

This is not the first time the same collection had been placed on my credit. They do it everytime and I keep sending them document. Now theyve done it again. They keep doing it everytime. They sell account to companies, even paid off debt and the collection agency think they are above the law. They take whatever decision they want and ruined peoples lives. They believe the have so much power to place collection as they want and do what they liked I emailed XXXX they have also refused to do anything even the the evidence. 

I wish to file a complaint against XXXX as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and correct it immediately in my report : XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-26
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: Investigation took more than 30 days

Complaint:
I was taking advantage due to malpractice while many laws have been broken under the FCRA by your company. This has cause my financial injury and defamation of character. This malpractice has mad it hard for me to obtain loan jobs and housing most of all I cant obtain credit. This malpractice by your company make it very hard to apply for credit during the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agency misrepresented a debt charged off in XXXX as a new debt closed in XXXX and then reported it to XXXX reducing my XXXX XXXX. I disputed report thru XXXX and credit agency " verified accuracy of report. '' I provide proof of inaccuracies provided to me by original creditor ( Chase credit ) to XXXX and Collection agency and was told they would only remove report if I paid {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account at US Bank during XXXX to take advantage of a bonus incentive for opening a new account with the requisite amount of direct deposits. I immediately funded my account with {$25.00} sent through XXXX from my other bank account with XXXX. 

I changed my direct deposit instructions with my employer, who sent me a paycheck overnight in order for me to deposit, and therefore, verify the destination for the new direct deposit instructions. The check was deposited via US Bank 's mobile banking application on XXXX. I was then informed the funds will be on hold for seven business days. As a result of there being four weekends and a bank holiday, I have been without money for days, and I will not have any money for another week. Further, US Bank is verifying a check from a XXXX XXXX business account, and though XXXX, which is one of the largest human resources providers in the world. 

To ameliorate the situation, I spoke with a customer service agent thought their chat function on their website. I asked why they chose seven business days, when their disclosure documents claims funds can take between five to seven business days to verify. Moreover, US Bank publicly discloses that {$250.00} should be immediately available upon deposit, but they do not clarify the conditions to have this amount available immediately. The response from the agent was that I should read the fine print in their agreement documents, and there was no offer of relief nor even compassion for the situation I am currently facing. The agent directed me to speak with colleague whom they claimed was in the department that makes the decisions that prevent me from accessing my own money. That colleague claimed to be in their fraud department, and they have no responsibility for reviewing such matters. They then laughed when I said I have no money to buy food to eat. 

Currently, I have no money and I have not eaten in two days. I can not buy food or gas. I have no friends or family who can assist me, and I am afraid that I will not have anything to eat for another few more days. Luckily, I have water. I have missed four credit card payments. Additionally, my student loan servicer withdrew my monthly payment, which my bank has imposed a overdraft fee. 

This writer also claimed, both verbally and in writing, that I am levying an official complaint. There has been no response from US Bank, while I am not confident they have reported the explicit complaint to the CFPB, nor initiated the actions required by a regulated financial institution regarding customer complaints.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
wrong info on my profile

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 2021-10-12
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: Account information incorrect

Complaint:
Third complaint : Equifax has done the same thing, Nothing. I waited until they " investigated '' the wrongs from XXXX XXXX on my report. I logged on their website and it shows they completed the investigation, but I do not have any access to the results. Also my credit report is exactly the same as it was prior to my complaint. Equifax did nothing. I was supposed to get copies of their " validation '' of the debt. Nothing ... .I got nothing! Equifax is continuing to provide inaccurate information on my credit report which is making my score go down. XXXX XXXX is still on my report and they do not list the alleged " date of last activity '' or the alleged furnisher as they are legally supposed to do. They better remove this from my credit report. It is wrong and XXXX XXXX is not my acct. I believe this is done by Equifax as retaliatory against me for initially filing a complaint. 

I do not understand Equifax 's response. All they said was they will look into it. CFPB then closed this complaint. It should be left open until Equifax is held accountable for their actions. 

I never received the investigation report from Equifax. They also had stated they would send me any and all alleged " verification '' they receive for this XXXX debt. They did not. Are they breaking the law??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: SYNCHRONY FINANCIAL
State: AL
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 made a purchase with my TJ Maxx credit card on XX/XX/XXXX in the amount of {$190.00} to a fraudulent company. I informed TJ Maxx and XXXX about the company. TJ Maxx and XXXX both issued a refund in the amount of {$190.00} TJ Maxx on XX/XX/XXXX and XXXX on XX/XX/XXXX. Instead of TJ Maxx reversing their credit they reverse both and now is showing a balance on my account in the amount of {$190.00}. I spoke with a rep on XX/XX/XXXX and it was reversed, however they rebilled me again. I called today and spoke with XXXX to no avail. They are fraudulently charging me for this amount. They tried to say that XXXX rebilled me which was not true.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: OK
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/2020 I paid for certified mail which contained 3 dispute letters for Experian, XXXX, and XXXX. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since XXXX and Experian received the letters on XX/XX/2020 and XXXX on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.

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 2021-10-12
Company: EQUIFAX, INC.
State: MO
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 submitted mutiple times to Equifax a letter asking them to provide method of verification for a bankruptcy they are reporting on my account. Back in XXXX I sent them a copy of the letter I received from the the bankruptcy courts letting them know that they do not provide any information to the any CRA regarding bankruptcy. 

I again sent a letter to Equifax in XXXX asking them to provide the method used to verify that the bankruptcy they are reporting on my CRA is accurate. They sent me a dated XX/XX/21, which states that they verified the bankruptcy with XXXX XXXX as accurate and that if I have any furhter questions to contact the bankruptcy court in XXXX MO, which would be the incorrect court to contact in regards to a bankruptcy in my area. 

Again they either did not investiage this or they are just lying in thier response. As you know from the complaint I filed agains XXXX XXXX they stated that this bankrupcty was deleted from my record with them on XX/XX/21. If that is the case, then there is no way the Equifax verfied this account with XXXX XXXX, or recieeved the information for me to contact a court in XXXX MO from XXXX XXXX.

Company response to consumer: Closed with explanation