BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 2023-05-24
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX XXXX please 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 2023-05-24
Company: EQUIFAX, INC.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX  XXXX XXXX XXXX : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft and the consumer reporting agency isnt removing the accounts in question along with incorrect and inacurrate addresses.

a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate 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 2023-09-20
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a trip from XXXX XXXX Texas to XXXX XXXX Nevada through American Express Travel on or about XX/XX/2023. 

XXXX. ) I was immediately charged for the entire trip, even though it is XXXX MONTHS away. Usually you pay the hotel upon check out.

2. ) I booked an American Airlines ticket as well.

3. ) Due to surgery complications, I can not travel. 
XXXX. ) I called to cancel and was told it was not refundable. 
XXXX. ) I booked and paid with my AmEx, a similar XXXX trip last year, and was told the same 'non refundable ' policy. 
XXXX. ) Amex told me last year, " if you booked with Amex you wouldn't have this trouble. 
XXXX. ) This current trip, Amex uses XXXX as their subcontractor. 

I know, I'm getting a doctors verification, but what the XXXX is going on with Amex? 

Greedy advance payments? 

Lying to customers? 

This is not the AMEX I once knew and loved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: William D. Meeker Enterprises, Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : CIC XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 To Fifth-Third Representative, XXXX XXXX , This is a response to a letter I received on XX/XX/2023, notifying me that my mortgage loan was to be paid in full. This letter is in direct conflict to the previous agreement crafted by XXXX XXXX XXXX representative and 5/3 representative XXXX. In that agreement, I was to pay around {$2300.00} by XX/XX/2023, at which time my mortgage would be reinstated at its original monthly payment. 
I am prepared to make the payment as agreed upon my XXXX XXXX XXXX and 5/3. I am open to speak with anyone to resolve this issue immediately. You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
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:
Name : XXXX, XXXX XXXX XXXX : {$280.00} Citation/Case Number : XXXX File/Citation Date : XX/XX/XXXX Linebarger Goggan Blair & Sampson LLP XXXX XXXX XXXX XXXX ) XXXX Or to pay online : http : XXXX XXXX SUSPENSION ( XXXX ) - Court Requirements Not Met Status : EFFECTIVE Description Effective Date Ticket Number County/State Court Address and Phone Number Click Here for information to resolve these effective court suspensions, court requirements not met. 
FAILED TO PAY TRAFFIC FINE ( PENALTY ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Your driving privilege has been suspended due to outstanding tickets in the counties indicated on the previous page. You will need to pay the outstanding tickets and a {$60.00} reinstatement fee.

Contact the county court ( s ) and arrange to make payment. You will have to check with the court ( s ) for the amount owed.

If the court does not collect the reinstatement fee, you can either take the D-6 clearance form from the court and a check for {$60.00} to your local driver license office or, you can mail a copy of the clearance form along with a check made out to DDL to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX mailing XXXX allow XXXX days after receipt for your record to be updated. After that time, revisit this site to verify that your record has been updated.

NOTE : If you paid the ticket ( s ) shown on the previous page prior to the Effective Date listed, click here. If you paid the ticket ( s ) on the previous page on or after the Effective Date listed, clic

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 2023-09-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Exeter Finance Corp.
State: MI
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:
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, Exeter Fin, and XXXX XXXX. Please help my get these off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: NATIONWIDE ACCEPTANCE LLC
State: MI
Product: Credit reporting 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:
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: TN
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  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Good afternoon, I am writing because TransUnion, XXXX  and XXXX  are in violation by reporting fraudulent credit information when I never even authorized any furnishers to report on my credit. I will have to seek litigation if this is not removed because this is wrong and an injustice for doing this without my consent. Please update me as soon as possible with this matter, thank 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 explanation
Consumer complaint received 2023-07-12
Company: ONLINE Information Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone in XXXX Texas apparently opened a utility account ( electricity service ) with my information. I've never live in XXXX TX, and have never opened an account there.. I am in a fact a resident of XXXX Wi. This is a direct and obvious case of Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, someone managed to 'hack ' my credit card with Barclays XXXX account ending in XXXX. At the time, Barclay 's customer service reached out to me to report fraudulent activity at XXXX XXXX, around {$200.00}. The service representative then asked me to go over recent charges with me to see if any other fraudulent activity could be identified. We noted two charges, one at XXXX  XXXX for {$250.00} and one at XXXX XXXX # XXXX for {$210.00}. I was told that these charges would be removed, as they had occurred around the same time as the XXXX XXXX charge. 

On XX/XX/2021, Barclay card sent me a letter to let me know that they believed the activity for XXXX XXXX # XXXX for {$210.00} was valid, and they had chosen to place this charge back on my account. Although I did not receive a letter for it, they also chose to add the charge from XXXX  XXXX of {$250.00} back to my account. Neither of these charges were valid. I cancelled the card due to this, as I felt that I could no longer trust the company ( and my credit line was {$14000.00} ). During this cancellation call, customer service told me that a manager would call me back to discuss options. I have never received a call. 

I have tried to file a dispute online for these charges, but since my credit card is cancelled, and I no longer know the number for the one that was stolen ( as I was advised to shred it on XX/XX/2021, and another one was shipped, ) I can not file a dispute via the website. 

I also can not attach a cardholder agreement, as the website will not provide 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 monetary relief
Consumer complaint received 2023-05-10
Company: BTH Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, my name is XXXX XXXX, and I would like to formally file a complaint against Plaza Services for breach of contract with all of their clients. 

On XX/XX/2023, I initiated arbitration proceedings against Plaza Services through the XXXX XXXX XXXX ( XXXX ). The case number for my complaint is XXXX. 

XXXX has reported that Plaza Services has failed to comply with the established rules and has a history of not paying the costs of arbitration. 

I have attached a copy of the correspondence I received as proof of my allegations. 

Unfortunately, I have been adversely affected by this situation and am currently experiencing several negative consequences that are impacting both my personal and financial well-being. These consequences include difficulties in obtaining approval for a home, a significant waste of valuable time, increased XXXX  and XXXX, and marital issues arising from my inability to refinance my existing home and purchase a new one for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
I hope this letter finds you well. I am writing to dispute a hard inquiry listed on my credit report from XXXX XXXX XXXX, dated XX/XX/2023. And XXXX Bank dated XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( b ) ( 3 ) ( A ) and the Fair and Accurate Credit Transactions Act ( FACTA ) Section 604 ( a ) ( 3 ) ( A ), I have the right to request information regarding any inquiries made on my credit report.

I have thoroughly reviewed my credit report, and this specific inquiry was made without my knowledge or authorization. As a consumer, I have the right to be informed about and give consent for any access to my credit information. The FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) states that a consumer reporting agency must have a permissible purpose and obtain the consumer 's consent before releasing credit information.

Given the above information, I kindly request that Equifax immediately investigate the validity and authorization of this hard inquiry and provide me with a written explanation within the time frame required by law, as outlined in FCRA Section 611 ( a ) ( 1 ) ( A ).

If it is found that the inquiry was made without my consent, I request that Equifax remove the inquiry from my credit report, as it is causing negative effects on my creditworthiness and financial well-being. Under FCRA Section 611 ( a ) ( 1 ) ( B ), inaccurate or unverified information must be promptly corrected or deleted from a consumer 's credit file.

Please provide me with a written response and a copy of my updated credit report after the investigation is complete. Additionally, I would appreciate any information you can provide regarding the source and purpose of the unauthorized inquiry.

I understand that you are obligated under the FCRA to complete the investigation within 30 days of receiving this dispute letter. Failure to comply with the FCRA guidelines may result in legal action.

Thank you for your prompt attention to this matter. I look forward to receiving your response and the resolution of this dispute. Please do not hesitate to contact me if you require any additional information or documentation to facilitate the investigation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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