BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 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 several breaches, including the Equifax data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 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 several breaches, including the XXXX data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.

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 2023-09-07
Company: Maximus Education, LLC dba Aidvantage
State: CA
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 Fair Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 602 : states I have the right the right to privacy .15 US 604 section 2 it also states a consumer reporting agency can not furnish an account without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Synchrony bank has not issued a monthly statement for my account for the time period of XX/XX/2023. Synchrony has always posted a monthly statement on the XXXX of each month. Today is XX/XX/2023 and still no statement. I called Synchrony bank and associate told me that they are aware of the missing statement but could not give a date of when it will post.

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 2021-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
After carefully reviewing my credit report, I've noticed you are reporting errors which are hurting my good name. I need your immediate attention on this matter Account Name : XXXX XXXX Account Number : XXXX How is it possible the account was ( paid, closed ) yet there are no dates indicating when it was updated? 
When was it closed? 
When was it paid? 
What amount was paid? 
Why is it being reported as a collection an entire year after the date is was suppose to be ( paid, closed ) Where is all the previous data with current payments? 

This information is very inaccurate and incomplete Delete for inaccurate data being furnished on 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 2019-03-22
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I opened a student loan with AES/XXXX  Secondary Market in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with AES/XXXX Secondary Market was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported 60-89 days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with XXXX in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added 6 more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11  months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11  months and then stops reporting it late? Also, after an investigation by XXXX, how can the company verify this information as accurate and add negative information instead of removing it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
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 according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Received a flier in the mail to receive {$10.00} when you make five purchases with my Comenity credit card. I made five purchases within the time frame specified and I did not receive the {$10.00} bonus. The company was not helpful when I sent messages to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
First we got call from named XXXX XXXX my wife have some amount in her XXXX account which she has invest XXXX in XXXX which almost XXXX USD right now.We explained him we got no knowledge about crypto and he told us that he will help to withdraw that money, he told us to download XXXX & XXXX XXXX after that he told me to transfer fund to release above amount which I did, After that blockchain got involved they keep forcing us to make payment to release our fund they told us that amount is getting bigger same story to release fund we need to cash flow/liquidity transfer/mirror transactions etc they took our nearly total XXXX but still blockchain are sending us email saying we have above XXXX in blockchain wallet and forcing us to pay them another XXXX to release that above amount. At the end I think we got scammed. Please help us. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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:
XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions 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:
I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX XXXX  # XXXX ( Amount {$1000.00} ) 2. XXXX XXXX XXXXt # XXXX ( Amount {$970.00} ) 3. XXXX XXXX XXXX XXXX XXXX ( Amount {$970.00} )

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 2023-11-09
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want you to please look at the documents that I've attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1. XXXX XXXX Account # XXXX  ( Amount {$1000.00} ) 2. XXXX XXXX Account # XXXX  ( Amount {$970.00} ) 3. XXXX XXXX Account # XXXX ( Amount {$970.00} )

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 2023-01-06
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 carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the late payments from this account : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

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 non-monetary relief
Consumer complaint received 2021-12-29
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: Account status incorrect

Complaint:
This company has STILL not updated my Equifax credit report as of XX/XX/2021 to show this account has a XXXX balance and has been paid in full as of XX/XX/2021. I am currently in the process of buying a home and this is significantly lowering my credit score and preventing me from obtaining my final approval and being able to close due to the inaccurate information showing ( account balance, monthly payment, account still open, etc ) all of which is wrong. I have requested this be corrected numerous times both with this company as well as Equifax. There seems to be no sense of urgency on either part. It has been almost 2 months now since payoff and I am now in jeopardy of not being able to close timely on my home because of this. I need this corrected immediately and XXXX  # 's provided for the Equifax submission for the credit bureau update. Otherwise, I will suffer significant financial damages as a result of this incorrect credit bureau reporting which has lowered my credit score and is causing me to be denied financing and/or will be forced to take a much higher interest rate as a result. This is an URGENT matter. I am well aware they are capable of submitting this request to the credit bureau to make this correction happen timely. 

Confirmation of payoff attached. 

The other 2 credit bureaus have already updated this information accurately over 45 days ago. Equifax still has NOT!!! Sufficient time has passed for this correction to have been made. I have also disputed the account with Equifax with still no response. I have attached proof of this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Reporting company used your report improperly

Complaint:
This is a follow up to my previous complaint with COMPLAINT ID # XXXX originally filed on XX/XX/XXXX. I received a second response from EQUIFAX on XX/XX/XXXX. Unfortunately, out of the 9 accounts I submitted complaints about, because of the gross inaccuracies and discrepancies in them, EQUIFAX complied with my request to " DELETE '' only on five of them. The failure of EQUIFAX to accurately report these items on my credit report as of the time I filed my initial complaint on XX/XX/XXXX violated my FRCA right and prompted my initial complaint against them regardless of any correction or update on their part later. I hereby demand that EQUIFAX without further delay " DELETE '' the remaining 4 accounts and take full accountability for their negligence and blatant failure to accurately report my accounts. 


XXXX XXXX XXXX ( Account # XXXX ) XXXX Account Type Detail : Credit Card Account Status : Closed Date opened : XX/XX/XXXX High Credit : {$17000.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX EQUIFAX Account Type Detail : Credit Card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$0.00} Credit limit : {$16000.00} Last date of payment : XX/XX/XXXX XXXX Account Type Detail : - Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$15000.00} Credit limit : {$0.00} Last date of payment : XX/XX/XXXX XXXX XXXX  ( Account # XXXX ) XXXX  Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$7700.00} Last date of payment : XX/XX/XXXX EQUIFAX Date opened : XX/XX/XXXX Credit Limit : {$6600.00} High Credit : {$0.00} Last date of payment : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX Credit Limit : {$0.00} High Credit : {$7600.00} Last date of payment : XX/XX/XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Current Last date of payment : XX/XX/XXXX EQUIFAX Account # : XXXX Account Type Detail : Credit card Account Status : Paid Date opened : XX/XX/XXXX High Credit : {$2700.00} Payment Status : Late 30 days Last date of payment : XX/XX/XXXX XXXX  Account # : XXXX Account Type Detail : - Account Status : open Date opened : XX/XX/XXXX High Credit : {$0.00} Payment Status : Current Last date of payment : - UNIVERSAL PAYMENT CORP EQUIFAX Account Type Detail : Unsecured loan Monthly Payment : {$0.00} No. of Month ( Terms ) : 3 Payment Status : Collection/chargeoff Last date of payment : XX/XX/XXXX XXXX  Account Type Detail : Collection Monthly Payment : {$220.00} No. of Month ( Terms ) : XXXX Payment Status : Late 120 Days Last date of payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank was close down due to fees ATM withdrawals that wasn't me refuse to help me

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