BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
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: Was not notified of investigation status or results

Complaint:
I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, Equifax, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all XXXX on XX/XX/XXXX and just checked my reports, not XXXX thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates 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 explanation
Consumer complaint received 2022-08-13
Company: CAVALRY INVESTMENTS, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Cavalry SPV I , LLC garnished my wages from my check I work hard for! Ive never borrowed money from them and it claims I owe them {$18000.00} plus 12 % interest and {$15.00} court cost. Ive never been to court and Ive never borrowed money from them! Im a US citizen and I feel like Ive been scammed by them and the court system! I have constitutional rights and I feel they have been violated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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 multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This complaint is against Experian ID XXXXXXXX XXXX XXXXXXXX XXXX. These two agencies are joined together in the restoration of Identity Fraud, and the fallout of Identity Fraud. Experian ID XXXX XXXX was contracted by XXXX XXXX XXXX XXXX to help with the results of my Identity being compromised by a Data Breach -- within XXXX XXXX. This placed my Personal Info. out for the World to see. My consequences due to this XXXX XXXX have been very financially draining, and have consumed 2-3 hours daily in the monitoring and repair of my financial situation brought about due to this XXXX XXXX. And the needed repair seems to be never-ending. XXXX XXXX has also joined with Well-Path, as a Provider of XXXX XXXX, and thus both are involved in this Data Breach. 

Experian ID works and XXXX XXXX in combination, offer ID Restoration and Recovery that I would recommend to no one. Their talk is great, but their results are no where to be seen. I filed a complaint against this Company on XX/XX/23, and it of course remains unanswered. During this entire time, I have requested from my Restoration XXXX, XXXX, the name and contact info. of the Supervisor, and also her Supervisor. There have been countless requests for the Supervisor 's name and contact info. over several months. I also requested the name and contact info. of the Supervisor within my CFPB complaint and again this complaint remains unanswered. Having to deal with a 2nd rate Company, in addition to the fallout relevant to identity theft -- transistons in to a predicament that I would wish on no one. I have lost {$8800.00} due to this identity theft which was drained out of my retirement savings with XXXX XXXX. And this was after I had deactivated and XXXX all my XXXX XXXX accounts. The total amount of money that Experian has helped me recover is {$0.00}!!! This has been a waste of time. And I was counting on Experian ID XXXX for help, as this is my first encounter with identity theft, and I have no training in this area.

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 2023-07-27
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-11-03
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: Old information reappears or never goes away

Complaint:
I won a dispute over an account on my credit report XXXX XXXX and this was deleted from my credit report on XXXX. The company Equifax re insert this account in my file without sending any notifications and after that the account was reporting the balance in XXXX in XXXX and now in XXXX they change the information reported from last month. This is clear evidence of inaccurate information since this is changing from month to month and the bureau is allowing them correct the inaccurate information when this shouldnt be in my report. This is affecting my credit big time because this is reflecting as recent new delinquency account when this is from 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
These agencies ( 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, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Revco Management, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is REVCO SOLUTIONS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, REVCO SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) REVCO SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XX/XX/XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where REVCO SOLUTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. REVCO SOLUTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-06-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Monday XX/XX/2023 I went to the XXXX, Pa branch for my appointment at XXXX. I needed to change my last name on my account due to marriage. Processed the name changed and XXXX minutes after leaving the branch I get an email stating my account is going to be closed do to my account being compromised/risk of identity theft. I called the loss prevention number and was told to go to branch and show id and have the banker call to verify. Banker did so and was told my account supposedly had multiple failed login attempts on mobile banking from all over and that is why my account is being closed. They put a hold on all incoming deposits but not outgoing purchases. ( Still able to make purchases until XX/XX/2023 ) the banker asked if I could just open a new account and they said no I am no longer able to be a customer do to high risk. My account worked perfectly fine with no issues up until I did my name change. I believe something was done incorrectly on Wells Fargos end. I was treated horribly by the customer service representative from loss prevention and was hung up on. I have a copy of the email as well as the summary from changing my name.

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 2023-05-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I receive a notification on my credit report of a new credit card open under my name I immediately contact the company and told them that I didnt authorize for the credit card to be open and that is fraud they ask me a few personal information and they couldnt find anything they also ask me for my social security number and I told them that I wasnt going to release that information I immediately did a dispute through XXXX , also I have a notification from my one of my credit card that my email was compromise on that Dark Web Im having also other issues someone open a checking account online through XXXX  XXXX XXXX XXXX immediate contact the bank and spoke to someone in the Fraud department they close the account immediately, and still having some issues because they try to open a checking account again, I want to issue XXXX XXXX resolved Im a victim of a Fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-11-21
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every since Synchrony Bank took over PayPal Credit request for payments I make for my PayPal Credit have not been sent to my bank. Matters have only gotten worse during the many hours on the phone over the past few months. Now Synchrony is not requesting payments from my bank for both my PayPal Credit and my PayPal Master Card and have closed both accounts. 
The dates and payments are below : I have had more than sufficient funds in my account for each of the payment Synchrony " refunded '' XX/XX/XXXX {$300.00} paid PayPal Credit XX/XX/XXXX {$300.00} " refunded '' PayPal Credit XX/XX/XXXX {$290.00} ( different amount so I could differentiate the two ) PayPal Credit XX/XX/XXXX {$290.00} '' refunded '' PayPal Credit XX/XX/XXXX {$300.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$500.00} paid PayPal Credit ( trying to cover both months ) XX/XX/XXXX {$500.00} PayPal Credit '' refunded '' XX/XX/XXXX {$500.00} paid PayPal Credit ( called and was told to wait a couple days ) XX/XX/XXXX {$500.00} PayPal Credit " refunded '' XX/XX/XXXX {$580.00} paid PayPal Credit ( after hours on the phone via consultant ) XX/XX/XXXX {$200.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$580.00} PayPal Credit " refunded '' ( regardless of assurance all was well ) XX/XX/XXXX {$580.00} paid PayPal Credit XX/XX/XXXX {$580.00} PayPal Credit refunded XX/XX/XXXX paid {$400.00} PayPal MasterCard XX/XX/XXXX PayPal MasterCard 'refunded '' ( Now the problem is with both accounts ) XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$160.00} PayPal Credit XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' XX/XX/XXXX {$160.00} PayPal Credit `` refunded '' XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$380.00} PayPal Credit via telephone XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' The XX/XX/XXXX payment has been deducted from my checking account but is not reflected on my PayPal account. 

XX/XX/XXXX received letter stating my account was closed for " dishonored payments '' We have other accounts with Synchrony that we have no issues with. We have had these accounts for at least four years with no issues until Synchrony and PayPal merged. Something in their system is wrong. Receiving bot replies to my numerous emails and customer service refusing to actually investigate and correct the matter.

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