BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have Bankruptcies listed on my credit report that are not mine. I have been fighting with the bureaus for almost 8 months to remove. First they claim the coolers were verifying it and i sent proof they were not. I have sent documentation from the court stating that are not mine also documentation from XXXX XXXX whom they claim is verifying it that they also dont have this information on their reports. I Have asked several times for validation letters and information on the person verifying the incorrect information and still have not received anything. XXXX XXXX has also filled dispute and never heard back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: U.S. BANCORP
State: IL
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 disputed the account 5 times. I have asked for a full file disclosure letter and never received XXXX. I have sent in proof that i am the one making the request to have the account removed.

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 2020-03-18
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
QVC has a flex-pay option that allows customers to pay over time. I bought a XXXX XXXX mixer from them. My credit limit did not allow me to pay for the mixer. I was paying my payments, but had other flex-payments. QVC once I ran out of available credit adjusted the payments that I make to have me pay for the rest I owed on the XXXX XXXX. At the same time, the company they sold the debt to is after me for the remaining balance. I have been paying on the bill for a year and it hasn't gone down in that year and I have not bout anything from QVC in over a year. My limit is only {$400.00}. When I brought it to my attention a few months ago, my bill began to go down, but it should have been down months ago. I even cancelled the insurance and they kept that on longer than they should have. I had to call twice. I want to pay them off, and pay the remaining {$150.00} on the XXXX XXXX, but I'm not paying more than I owe.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
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:
There is an account on XXXX that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-07-06
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX  show different last active dates and XXXX XXXX  have been re-aged by 5 years so if your are verifying these accounts then how in the heck are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been told by over 3 representatives I would get my money back over the last year from Amazon ( the store ) but the Chase Amazon credit card dispute process will not give my money back because they stated after the 90 day return period closed and Amazon ( the store ) specifically told me I did not need to return any products that I would not be given my money back by Chase because I had to make a return and they ( Chase ) continued to charge interest while refusing to provide the refund. I am attaching all of the conversations that I have already sent to Chase where I was told I was being given a credit for the purchase by Amazon while Chase continues to refuse to comply with the Amazon credit from the company via these customer conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: VA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
APPROVED WITH HAF FOR PAYMENT ASSISTANCE, THEY SAID THEY HAVE SUBMITTED PAYMENTS TO US BANK AND YET NOTHING HAS POSTED SINCE XX/XX/2022 AND IM STILL ACCUMULATING LATE FEES AND NEGATIVE CREDIT REPORTING. 

HAF US BANK

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 2023-02-08
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Glasser & Glasser out of XXXXXXXX, VA claims to have served me papers that I have not received. They sent them to the wrong address. Furthermore, it is impossible to reach them by phone to update my information and there is no response from them even though I have left messages and sent emails. I did receive an email response that requested I call but when you call the recording says there is high call volume and to leave a message. Endless loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NV
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 Report act. XXXX Acct : # XXXX and XXXX  XXXX XXXX Acct : # XXXX  and XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.S.C 1681 Section 604 A Section 2 : It also states 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 2023-02-21
Company: EQUIFAX, INC.
State: OR
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:
Equifax is violating my rights under the fcra law by reporting XXXX XXXX  account # XXXX XXXXLast year I filed a complaint with CFPB the answer from Equifax was the solution for me to contact them which I have disputed the account by phone and correspondence and the willfully violating my rights under the law CRA and still wont delete a fraudulent account from my report which I sent them my identity theft report 3 times and the second complaint is that a late payments wont be removed when I have paid XX/XX/2022 XXXX account # XXXX and added proof XXXXXXXX XXXX  Account # XXXX I have paid this also and added proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: V and H Portfolio
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent the company a written letter asking them to prove that I owe them this debt. I asked for a list and a wet signature of this debt that I had with them. Instead, they sent me a list from a different debt collector ( XXXX XXXX XXXX ) and a bill from them. They did not send me a signature that I had with them nor that I made this debt with them. I sent them a letter of refusal to pay and asked them to take this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: SC
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:
THE DISOUTED ACCOUNTS HAVE BEEN REPORTING AS DEROGATORIES ON MY ACCOUNT, THOSE ACCOUNTS HAVE BEEN REMOVED OF MY CREDIT FILE AND ARE INACCURATE ACCOUNTS. THEY HAVE CONTINUE TO REPORT NEGATIVELY ON MY CREDIT AND HAVE CAUSE TREMENDOUS DAMAGE. THOSE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW LOANS AND I HAVE BEEN DENIED SEVERELY TIMES. I AM DISTRESSED THAT THOSE ACCOUNTS CONTINUE TO REPORT WHEN THEY WERE OFF MY CREDIT FILE. 

PLEASE INVESTIGATE THIS MATTER AND HAVE THEM OFF MY CREDIT FILE PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus EXPERIAN, XXXX AND XXXXIT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached experian credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital One Bank wont release my phone number that is link to XXXX I dont have capital one account anymore and capital one bank still have XXXX  locked with my number that XXXX cant use with other bank that have XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISOUTED ACCOUNTS HAVE BEEN REPORTING AS DEROGATORIES ON MY ACCOUNT, THOSE ACCOUNTS HAVE BEEN REMOVED OF MY CREDIT FILE AND ARE INACCURATE ACCOUNTS. THEY HAVE CONTINUE TO REPORT NEGATIVELY ON MY CREDIT AND HAVE CAUSE TREMENDOUS DAMAGE. THOSE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW LOANS AND I HAVE BEEN DENIED SEVERELY TIMES. I AM DISTRESSED THAT THOSE ACCOUNTS CONTINUE TO REPORT WHEN THEY WERE OFF MY CREDIT FILE. 

PLEASE INVESTIGATE THIS MATTER AND HAVE THEM OFF MY CREDIT FILE PERMANENTLY.

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 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX XXXX via certified mail ( Tracking # : XXXX ) to remove fraudulent and unauthorized inquiries from my credit report and they refused to do so. I then submitted a follow up letter via certified mail ( Tracking # : XXXX ) requesting them to furnish proof of verification for the fraudulent and unauthorized inquiries and they were unable to do so. I am respectfully requesting that these fraudulent and unauthorized inquiries are removed from my report : XXXX - XX/XX/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 The same issues continue with TransUnion Consumer Solutions XXXX I sent out the same dispute letters and they refuse to remove disputes as well. Below are the certified mail tracking numbers : XX/XX/XXXX - XXXX XX/XX/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 2022-10-18
Company: General Motors Financial Company, Inc.
State: IL
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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