BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from Equifax Risk Managements legal department showing that such regulations in the Equifax Risk Management Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such.

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA FORM XX/XX/XXXX XXXX, I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. Equifax has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. Equifax Risk Management Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

Sincerely, XXXX XXXX XXXX Customer CC : Legal Review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
ChexSystemsInc is in violation of of 15USC 1681 ( 2 ) ( A ) along with 15USC 1681a ( 5 ) and 15USC 1681 ( b ) for allowing the following person ( s ) to furnish inaccurate information on my consumer report without providing any written authorization I gave the person ( s ) to report such information. It has been over 30 days since ChexSystemsInc has been notified of their violations and they have yet to conduct a proper investigation required by LAW or respond with right action by deleting information reported that is a direct result of IDENTITY THEFT.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit bureau is reporting my medical bills. According to HIPPA no protected health information should be shared publicly. This goes against HIPPA Rules and regulations and violations my rights.

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 2021-03-12
Company: EQUIFAX, INC.
State: AZ
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 is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to Equifax, XXXX, XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job XXXX to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Collection reporting inaccurately Dear Equifax, After reviewing my credit report I noticed an inaccurate account on my credit report. I am requesting that Equifax investigate the following account to ensure accuracy. I am requesting the collection account to be deleted from my credit report once the investigation is complete. 

XXXX XXXX  XXXX This account appears to be reporting inaccurately. 

Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this 3rd party company did not Validate this information with whomever is REPORTING this information about me and provide FULL DOCUMENTATION associated with this including my signature that contractually binds me to this account above. As asked in previous disputes to the CB they have yet to provide the information that i have asked for under my rights of the FCRA. they sent me one letter that has not verified no contracts signatures or anything and it looks like they typed the letter themselves they are harassing me by phone and via mail to collect a debt that i have no knowledge or and i have no idea how this company got and of my personal identifying information i have sent letters the the collections bureaus requesting validation which was received by all CBs because i sent via certified and i have all my return receipts i am sending directly to them via certified on XX/XX/2018 i have copies of all letters sent and information sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After doing a minor audit I found a fraud charge I then immediately reached out to file a claim which was denied in a letter sent to me saying that because I make my payments on time this must not be fraud this is not right in my opinion as just because im in good standing with my credit card company. 

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 2019-02-11
Company: EQUIFAX, 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:
In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of XXXX XXXX. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. This is ... ..wrong. Please help. Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear. 

I have already issued a complaint to the CFPB. The CFPB only forwarded my complaint to Equifax, who, in their response to my complaint, just copy/pasted their original response to my direct complaint to Equifax. 

So, the CFPB literally did nothing, and Equifax literally did nothing. How is this any form of protection for consumers when two parties, neither of whom I have a relationship, can make changes to my credit report and CHOOSE to not fix inaccuracies without my input whatsoever. This is why Republicans should never be allowed to govern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/XXXX, my father passed away. After going through his belongings, I found a credit card with my name on it. After calling the bank ( BARCLAYS BANK DELAWARE ) on XX/XX/XXXX to tell them I never opened this account and had no knowledge of it, they told me an investigation will be done, with affidavits sent to my house. After no affidavit arrived, I received a letter stating the account is valid. On XX/XX/XXXX, I sent BARCLAYS BANK DELAWARE payment records from my fathers bank account matching the payments received on the fraudulent account. Manager XXXX XXXX also told me the statements were being sent to my fathers email address and the phone number associated with the account was my fathers phone number. I also sent an FTC report making note of this. With this new information. I was told they would reinvestigate the claim. The following week I received the same letter stating the account is valid. I currently submitted all my supporting documents to the credit bureaus but was told they just report what the creditor tells them. As a young man just starting life, losing his father and finding out he was the victim of identity theft by someone he thought he could trust, life is hard enough without there credit being ruined by a credit card account I never opened. Please investigate this and/or have BARCLAYS do a proper investigation with all the supporting documents I sent to them multiple times. 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 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I fell upon financial hardships in XX/XX/XXXX and XXXX XXXX inbetween jobs capitol one was the last thing i was thinking about and without any warning or contact they reported a late payment refusing to work with me to get the account settled. Once the pandemic hit I was laid off once more and unable to receive any unemployment benefits. During this period Capitol One repeatedly dinged my credit score on the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly on XX/XX/XXXX all during the year of XXXX. The amount of impact this has had on me financially is enormous. The decrease in my credit score due to capitol one is solely hindering my abilities my secure vehicle financing and even to be able to find housing. The damage that has been caused is completely outrageous when you consider the struggle they are causing me over an account of {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My wife has tried to obtain her credit report several times in different circumstances. Each time, some automated system asks her bizarre questions that have no correct answers and seem unrelated to her records. 

Equifax has a long, slow process involving mailing in a form with a bunch of identity info to try to get a copy of the credit report. But it's too late -- we'll miss being able to buy a home due to the long delay that is starting. 

Why is Equifax allowed to continue to operate when they both lose our data due to terrible security policies, and then fill our records with incorrect info with no fast way to remedy? 

This company should be shut down. The remedies in place after the huge hack years ago haven't helped at all -- it's still a bizarre troll that should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I requested a deficiency notice letter advising how the sales of the repossession proceeds of the XXXX XXXX XXXX I financed through GM Financial were applied to my debt. GM Financial failed to send the letter or advise me any information regarding the final sale of the vehicle but they updated my credit bureau with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transferred XXXX into my Robinhood account onXX/XX/2023. 
Today, XX/XX/2023, Robinhood sold all my XXXX without my consent or any notification at all. I received emails after the transaction occurred. In addition, they wont allow me to transfer out my available funds of {$4100.00} to my linked bank account. 
I have tried many times to contact RH customer service, but they do not have anyone to answer the phone, the only way is to email them, the Chat doesnt work either. All of their customer service reps are overseas, VERY DIFFICULT to reach and communicate with. 
I emailed them again to request account deactivation and all my cash of {$4100.00} to be transferred to my bank account, still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: GOLDMAN SACHS BANK USA
State: GA
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:
On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: IL
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 my Equifax credit report, my Name is listed as XXXX XXXX XXXX with a social security number of XXXX. This is not my name or social security number. My name is XXXX XXXX with a social security # of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief