BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: EQUIFAX, 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:
This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This was the inaccurate account that I want them to correct : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MO
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 non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Account status incorrect

Complaint:
XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Verbiage removed Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX  is no longer in Existence I need the verbiage on this account ending in XXXX Consumer disputes after resolution 180 days or more past due Fixed rate XXXX spoke with XXXX she is a Supervisor she clearly stated the account is paid in full she refuses to take the verbiage off Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX Consumer disputes after Resolution Charged off Account Subscriber Reports Dispute Resolved Consumer Diagrees I received my title in XXXX  from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: UNITED ONE RESOURCES, INC.
State: MD
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:
United One has repeatedly pulled my credit without my consent. The last time, in XX/XX/XXXX, I put in complaints and the hard inquiry was removed. Now, in XX/XX/XXXX, they are pulling my credit again without my consent. This is adversely affecting my credit score through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: MI
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 Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX 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 below : XXXX XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: PROFICIO FINANCIAL SERVICES, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Several issues to include in my complaint for Proficio.

1. The company contacted multiple third party 's ( my old landlord & boss ) on several occasions. They disclosed the alleged debt I owed and made derogatory statements about me personally.

2. Proficio Financial Service never sent me a letter notifying me of my right to dispute the amount owed to XXXX XXXX XXXX XXXX. 
3. I personally disputed the debt with XXXX XXXX XXXX XXXX, for legal services owed, at the time the invoice was received however XXXX XXXX never replied to my letter of dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: TX
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:
In contempt of several attempt the following items still appeared in my credit file, the fact, I had disputed them already a month ago. I've submitted previous complaints also with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by credit agencies. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to removed the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Consequently, I am seeking for your immediate assistance to solve this issue right away. I need the following items to removed by the credit bureaus immediately from my report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: FL
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: RI
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:
I've noticed issues on my credit report from Equifax as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Equifax and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The HSBC bank every year rolls a promotion for new customers with bonus offer for opening Checking and savings account with new funds. I applied for advanced checking account by XX/XX/2019. My application was approved and money were funded to this account from my XXXX XXXX   account. {$10000.00} were charged by authorizing transfer from bank account with XXXX XXXX. So by XX/XX/XXXX the online account was opened. 

The applicant was to open a savings account to be linked and related to checking. The Bank, how ever, asked to get documents uploaded to confirm account address and State IDs. 

I was told that they had not received what was required to activate the account. I received e mails from Fraud Prevention department to comply their inquiry. It was online account and there was no local bank branch to where I can approach. My efforts to reconcile failed.After six months, I made trip to New York to visit the Branch officer. 

The officers were unconcerned. I provided documents and requested to upload to the fraud department. A month after, my visit to same branch, I found no progress. I was, how ever, told that I can withdraw funds and close the account. 

I, was helped at tellers. I was given a check for full amount. I was told that the branch can't close the account since it was online account. I had to close online. 

I started getting monthly fees for balance below required minimum in checking account. 
I am getting several notices for overdraft and penalties in monthly statement in mail. 

I was to get bonus of {$350.00} for new checking and savings account. I wrote to bank about this in emails. My requests were just ignored. 

I was never given opportunity for savings account after checking account was approved. 

I have come to find that several others were also complaining about Bank in various sites on media. 

Thanks. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX  profile, it stated that a collection account was added to my credit report and that XXXX XXXX flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NY
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 2023-08-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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 Everything has to be 100 % accurate on my credit. XXXX XXXX #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is 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 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 2023-10-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A fraudelent charge was made on my Wayfair Citi Bank card on XX/XX/ for {$200.00}. The purchase was done on-line from a person in XXXX for a gaming chair. I'm XXXX XXXX XXXX and live in XXXX. I did not make this purchase and I alerted Wayfair and Citi Bank. Citi 's Security Operations ook my claim and removed the charges. However, in XXXX, the charge was returned to my card due to the " lack of information to support my claim ''. This began a barage of phone calls about overdue payment and late charges. I've received several letters letting me know that my credit would be impacted. I've called Citi 's Security Operations several times. Speaking to XXXX, XXXX and XXXX on seperate occasions. All assured me that this was a fraudelent charge and they would personally remove it. This was obviously a scripted response since each said the exact same thing. It is now XXXX  My last letter was dated XXXX saying that they will be reporsting me to the XXXX credit bureaus if I didn't pay the charge and the late fees. How dare they continue this harrassment and extortion. This needs to addressed and other need to know not to sign up for the Wayfair Citi Bank card. My identity was stolen through and on-line purcahse due to their lack of security and they are blaming me. Stay away from this company and their credit cards.

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 2023-03-20
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NY
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and would like them remove Account name/ # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name/ # : XXXX XXXX # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states a consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681 s-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 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-20
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: Credit inquiries on your report that you don't recognize

Complaint:
All hard inquiries are below that were unauthorized by me : 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 2020-03-09
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter certified mail with returned receipt. USPS Tracking # XXXX They received in XX/XX/2020 and signed for it. I never received any sort of correspondence requested or proof of debt. I need them to cease and desist all collections on this invalid debt. Attached is the certified mail receipt and the letter sent to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation