BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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 the federally protected consumer by Fair Credit Reporting ACT has my harmed by Equifax a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing certain accounts on all three reporting agencies for over a year now and the same accounts disputed, will return as " verified '' even after submitting factual letters of the incorrect information reported across the reporting agencies. The most recent letter sent in the beginning of XX/XX/2021, all reporting agencies did not respond with the 30 day grace period. I have sent a second round of letters requesting removal due to their failure to respond, and instead I received a letter stating that the information was " verified ''. However, the information that is reported on my credit report, is far from accurate. There are too many inconsistencies on my report from all reporting agencies. At this point, I am very unhappy that my rights are not being taken seriously and my next course of action will be to sue each reporting agency per violation.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
XXXX, Transunion and XXXX reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.

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: 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: Investigation took more than 30 days

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: SANTANDER HOLDINGS USA, INC.
State: AR
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:
Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, Engel Hardt v. Gravens ( MO } 281SW715,719, I may presume that no proof of the alleged debt nor any such debt in fact exists.

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 am writing to dispute inaccurate information on my Equifax credit report and request that the Consumer Financial Protection Bureau investigate this matter. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$280.00} Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: NC
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 recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Miscellaneous ), XXXX XXXX  ( Miscellaneous ), 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 agenecy can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX 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 2021-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Portfolio Recovery Associates LLC three certified letters ( XX/XX/XXXX and XXXX, XX/XX/XXXX, all in 2021 ) to request them to validate these debts as they belong to my father who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accountsare mine but they have either send inadequate information or ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
American Express " Gift Cards and Business Gift Cards '', an eGift Card was provided to me by my employer. As this is an eGift Card they refuse to send me a physical card. I am unable to use this at a store because they won't use the numbers from my print-out ; they require a physical card. 

Online and through discussion with customer service " can be used at any online retailer or any store '' ; instructions for using at a store " swipe your card '' - impossible. 

I tried to use this at 4 different online retailers and it was refused. Amex customer service tells me that these retailers have been blocked due to fraud. ( XXXX, XXXX, XXXX XXXX, XXXX ). I can see the 'pending charge ' of {$0.00} from each of them trying to process my order. All of my orders have been declined. The customer service rep says " you can use it at any online retailer '', when I asked for an example they can not provide any place where I CAN use it. 

I asked for a refund, they said since it is a 'rewards ' they can not refund. They also said they can not refund to my employer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A XXXX  XXXX  credit card was opened in my name without my consent or knowledge. I have contacted them multiple times for them to close the account or report it to the credit bureaus but they have not done so. I have also request a letter be sent to me but it has been 3 weeks now and I have not received anything. I don't have access to this account and this charge is showing as past due on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have an installment loan with Wells Fargo to replace windows on my home. The date open was XX/XX/. The interest rate is set at 8.99 % Yet each time that I make an on time payments, Wells Fargo takes between 29 % to 33 % of each payment.When I called to ask why. The Rep said I would have to make a larger payment like a {$1000.00}.

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 explanation
Consumer complaint received 2022-11-16
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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 2023-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the account XXXX XXXXXXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These are collections reporting on my report XXXX and Transunion... 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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:
I have filed disputes with all three credit bureaus with getting items removed from my credit report and deleting old items that keep getting reported. I would like to have these items investigated and removed. I know I cant submit information of the accounts but I would appreciate anything that can be done. As these items are becoming detrimental to my process of purchasing a home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX, XXXX XXXX, CA, has been charging me outrageous 152 % interest rate for the last 2 years on the amount of {$1600.00} loan. They have debited my bank account over {$3600.00} for the loan amount of {$1600.00}. The balance is still {$1100.00} which means they have charged me {$3100.00} interest on {$500.00}!!!! The mode of financial fraud is that they never sent me any monthly or yearly statement, so I never knew what was happening to me. How many other people have been ripped off by XXXX XXXX XXXX no one knows. Once I called today the XXXX XXXX told me about that. The loan applied at auto repair store XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. 
The XXXX XXXX XXXX, Tel XXXX, kept on secretly and silently charging my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer 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 explanation