BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: FL
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:
Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Debt Recovery Solutions, LLC
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 never opened this account. You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. Send me the original contract used to open this account, where was it opened? 


Remove this account from my credit reports XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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
Consumer complaint received 2023-09-29
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: Their investigation did not fix an error on your report

Complaint:
am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that XXXX cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the Metro 2 Credit Reporting Resource Guide, I am providing the following Metro 2 Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ Metro 2 Account Status Code ] { 88 } Payment Rating : [ Metro 2 Payment Rating ] { 89 } Special Comment Code : [ Metro 2 Special Comment Code ] I expect XXXX and Experian also XXXX! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by XXXX, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that XXXX did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Inaccurate Information : [ COLLECTION AMOUNT ACCOUNT STATUS, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX ] INACCURATE INFORMATION : [ Shows as a Collection x5 Months, Collection amount and Dates I believe that the reporting of this information by XXXX has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX or Experian and XXXX did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 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, 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 2023-07-07
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: MD
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:
In XX/XX/XXXX, I had to put a security alert on my credit file because I was a victim of fraud while on XXXX. On Wednesday, XX/XX/XXXX, I applied for an XXXX credit card. However, they said that my phone number was not listed on my credit file and was instructed to call Experian to update my number. I called them on the same day above and the agent said he added my number ( XXXX ) to my file. I called XXXX to let them know that I updated the info but on verification one of the digits was incorrect. He said the first digit was incorrect. This means that the agent input the incorrect number. I called Experian the same time and they kept telling me that is updated even though XXXX told me that the information did not match. They advised me to send in a copy of my social security card with proof of my address ( my energy bill ). They told me to upload the information online but their online portal did not work. I was advised to mail it in which I did on Friday, XX/XX/XXXX. I called the following week and they said they had not received it. I kept on getting a run around from the agency about updating my information. For most services now I am being denied. I went to XXXX   XXXX XXXX to open an account and I had to head back home to get a physical copy of my SSN because of the phone number problem. Just day I went to XXXX to get service and the phone number is still an issue. I can not deal with Experian customer service because they have agents from XXXX who do not know English language and they are not inputting the correct information into consumers ' profiles. That is where my information got messed.

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 2023-07-07
Company: EQUIFAX, INC.
State: IN
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a security freeze on my equinox report ( that I never placed on there ) & once I called to have it removed the company running my credit was still unable to acces my profile. After calling in again to remove the freeze completely the company still had NO LUCK accessing my profile. Today I call & cant get verified with the EXACT same documentation that I used in the previous phone calls but now Ive failed the verification process. I was under the assumption that once Ive asked them to remove the freeze that it was supposed to be done within a hour. Plsss reach out to them because this is a big hindrance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Colony Brands, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. 

The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 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 2023-09-24
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-03
Company: EQUIFAX, INC.
State: SC
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 On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CFM Group LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern : I am a Business Owner for XXXX XXXX XXXX XXXX XXXX XXXX, I used XXXX XXXX XXXX for my Merchant Service ( Credit Card Processing ), for years. I became dissatisfied due to the company always deducting fees from my Bank Account that were not specified in the Original Agreement. On XX/XX/2018 I closed the account and was told there would be no additional charges to my account as long as I returned their equipment within 10 days which I did. I never heard from the company again, until last week. A Collection Agency contact me and said that I owed for the equipment {$1300.00} and was very willing to make a {$800.00} settlement. The XXXX XXXX XXXX Company never notified me in any way to tell me that they did not receive the equipment. 

Unfortunately I do no keep shipping tracking receipts for 9 months. After a few month past I thought everything was settled It was shipped in plenty of time for them to receive it. 

One reason that quit doing business with this company is because they seemed to use shady tactics to collect more money from my account numerous times. When I would called they would quickly erase it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 information shared is incorrect. This is a is a violation of my privacy by selling and reporting my personal and private information to any third party. 

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy. Section 604 of the Fair Credit Reporting Act No consumer reporting agency may furnish a consumer report to any person unless the consumer has authorized the disclosure of the report in a writing that is specific, informed, and easily revocable. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

I have written them to remove this inaccurate account and they have not.

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 2023-02-24
Company: Figure Technologies, Inc
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was scammed to open a home equity loan with figure lending which i take responsibility for my stupidity to open the XXXX and put it into a crypto account and someone took XXXX dollars from me i accepted that and started paying the hone equity loan and now figure lending putting a recall on my personal account and recalling the money back after i made XXXX payments on this loan and XXXX XXXX is sending my personal money back to flag star bank which is associated with figure lending and they are scamming me by collecting payments from me and putting a recall on my personal account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid 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:
Applied for a wellsfargo business platinum credit card for the {$500.00} offer never received I was approved for {$10000.00} limit few months later I'd add signers for the credit card witch wellsfargo assigned part of my credit limits to the signers after overall spending I was able to complete the requirements for the promotions but wellsfargo says that I did not meet the requiremints for the promotions because I've add signers to my credit card, I am a personal representative for the credit card I should have a full control for the credit card

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 monetary relief
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: GA
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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and 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