BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
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: Personal information incorrect

Complaint:
I have made two attempts to rectify the inaccuracies on my credit report with Equifax by sending certified letters. The first letter, sent on XX/XX/XXXX, outlined the discrepancies in the information listed, including an incorrect date of birth and addresses. Despite the effort, I have yet to see any changes or updates. Undeterred, I sent a second certified letter on XX/XX/XXXX, reiterating my concerns and providing the necessary documentation to support my claims. I am hopeful that Equifax will promptly address this issue and correct the erroneous information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$6400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Bread Financial Holdings, Inc.
State: IL
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:
On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX reported a collection initiated in XXXX under the name CREDIT COLLECTION SERVIC. In XXXX I was 15 years of age. XX/XX/XXXX on my XXXX birthday I pulled my credit report and noticed my name attached to the wrong birthday ( XX/XX/XXXX ) along this fraudulent collection. 

This has caused me hardship and denial of credit based on fraud information ( 15 USC 1038 ). Based on all violations I have attached my invoice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with CashApp. My phone was stolen while traveling and was reported to them immediately when I realized it was gone. I also contacted my bank, changed email password, among other passwords, and reported my phone stolen to my phone carrier. CashApp support had me create a new username/account that day on XX/XX/22. Previous acct username is XXXX XXXX, current/new account username is XXXX XXXX. CashApp is making it impossible to recover my old account & funds! The only security verification 's they have asked for is the card # linked to my account, which has changed since I opened my account with them. The old card was replaced with a new card with a chip from my credit union. They gave me the option of using my bank account info as well, which I tried, but the account number was never added to my CashApp account to begin with so that did not work either.They will not and have not given me the option to verify my identity through a valid form of government issued identification, or any verification from my XXXX XXXX bank. The old card and new card is linked to the same bank account. The only solution & answer they keep giving me is that there is nothing further they can do and that no further actions can be taken. I have money in that account that is mine and I need access to it! This is fraudulent & unacceptable. I need help! This issue was reported to them on Thursday, XX/XX/XXXX. Again on Friday, XX/XX/XXXX, Monday XX/XX/XXXX, and today Tuesday XXXX XXXX I have attempted to resolve this multiple times on these days via their chat support, and a phone call with a representative today on Tuesday, XX/XX/XXXX. They are not providing any solution or direction and are sending me in circles. Back to square one every single time. I have around {$1000.00} in that account and it does not make any sense that they could just keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. 


I told Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 un

der 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 reason
able 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 explanation
Consumer complaint received 2023-11-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on XX/XX/23 at XXXX central I received an email from " XXXX '' stating : Hello XXXX, Your user account has been successfully created. Your Login Name is : XXXX For security, your password will be provided separately. If you do not recognize this activity or find this email suspicious, please contact help desk at XXXX. Regards, Payment Card Customer Service I received a subsequent email from the same address at the same time with a temporary password. The language was similar. To the best of my knowledge I have no business relationship with fisglobal I called the number, and the phone number requires you to either enter a XXXX digit card number or report a card lost or stolen. There is no option to speak to someone if you find this email suspicious. There are no other options that would allow you to speak to someone. I forwarded the email to XXXX on XX/XX/23 at XXXX central with the following text : " Can yall please provide more information on this email? I called the number as instructed but it asks for a XXXX digit card number. I have a number of cards, but also not real crazy about entering a credit card number without any explanation. The only other option was to report a card lost or stolen, so there wasnt a way for me to speak to someone about why I received this email. I have a card or login with XXXX  but it hasnt been used in a long time. '' They refused to respond.

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 2022-04-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX {$14000.00} XXXX  XXXX XXXX Account # XXXX {$18000.00} XXXXXXXX XXXX XXXX # XXXX {$16000.00} XXXX XXXX XXXXas 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
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:
Cardinal Financial Company was my mortgage company for 2 years, from XX/XX/XXXX to XX/XX/XXXX, during this time I was never late. Beginning in XXXX or XXXX my pay date changed to once a month so I had to adjust to making my payments day at the end of the month. I admit was a challenge but I managed to make my payments within the month it was due Cardinal never marked me late as long as it was made by the last day of the month, however to my surprise on XX/XX/XXXX, I went online to make my payment it reXXXX XXXX XXXXransferred on XX/XX/XXXX and I could not make my payment online but it was a note to call. so I did and my payment was accepted through auto-phone pay got a confirmation # and days later it was deducted from my bank account. .Now Cardinal is stating my payment was not received until the 5th and my payment was late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account listed on my credit reports by a debt collection agency, National recovery collecting on behalf of XXXX XXXX national recovery license has expired and therefore I am disputing this collection account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more.XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00}.

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 2023-01-03
Company: Experian Information Solutions 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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-18
Company: Experian Information Solutions 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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX XXXX : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} 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 2023-09-23
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
I am writing to urgently report an ongoing issue with Equifax that is severely impacting my financial well-being. In reference to CFPB complaint # XXXX, filed on XX/XX/, Equifax stated XXXX XX/XX/, that certain items had been deleted from my credit file. However, this inaccurate information persists on my credit report, contrary to their claims. 

" Inquiry : XXXX XXXX XXXX XXXX- THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 
Inquiry : XXXX - THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' " Inquiry : XXXX XXXX XXXX XXXX- THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 
Inquiry : XXXX - THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' This refusal to remove the information directly violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i : Equifax is mandated to correct or delete inaccurate information within 30 days of investigation. 
15 U.S.C. 1681s-2 : They must maintain procedures ensuring the maximum accuracy of consumer reports. 

The impact of this persistent inaccuracy on my credit report is substantial and threatens my creditworthiness. Equifax 's lack of accountability is unacceptable and undermines the integrity of credit reporting. 

I implore your immediate intervention to ensure Equifax 's compliance with the FCRA and the removal of the inaccurate information. This situation jeopardizes my financial stability, and prompt resolution is imperative. 

Your swift attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: SC
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: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX XXXX XXXX Of XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX and I am a living human being with my right given to me by being born in the united states of America by the fcra and the federal facts act, right that have been continuasly violated by all three cra, 's the the government intentity that was formed to stop such oppressions have aided in the abuse of power by the cra 's this complaint is against equifax . 

****Reason :! month ago my credit score was XXXX today it rests at XXXX wich is XXXX diffrance that being said my credit report with equifax has * no bankruptcy *no collections *no late payments/past or presant I have an bsolutly flawless credit report with equifax yet my score has dropped XXXX points and they have given me XXXX for an explanation in fact I have talked to about 6 or 7 diffrent supervisors and about 20 or so customers service agents asking for help and they all say the same thing after examining my report. 
and i quote " XXXX XXXX we do not have access to your credit score but if you are dsaying on the equifax website it is XXXX, Let me tell you i see no reason for your score to be that low .I see right here that when you say in fact your score was indeed XXXX '' After being told that over and over i can be heard on recording explaining to them that something must be done i wrecked my truck and new to secure nerw financing on a vechile and am told and i quote " XXXX there is nothing i can do evidently there is a glitch in the system and you must wait 30 days for it to pass '' i explain that i dont have 30 days i have to find a vechile now i need to work and pay my bills and that equifax issues the score there musst be someone that they can point me to for help with this, a number i can call a diffrent office and am told time after time and i quote '' XXXX i sugest you wait 30 days for the system glitch to fix itself there is nothing more anyone here can do for you have a nice day '' This is hurting my family i cant work because i cant get a vechile i have spent {$1100.00} but i am out of money now mortgage due next week no vechile to go to work, i just bought a house is equifax going to reimberse me these funds and pay my mortgage while i wait for their glitch to fix itself?????? I fear we may have a problem like last year where equifax is issueing the wrong scores for people I need help or i will have to go to the news with this i cant lket their glitch ruin everything i have worked for please help and please have them pay the damagesw done thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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:
Several accounts that show up as closed are on my credit reports that aren't mine. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF EDXXXX XXXX XXXX : {$0.00} ; DEPT OF ED/XXXX  XXXX XXXX : {$0.00} ; XXXX-XXXX XXXX XXXX Balance : {$12000.00} .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: BARCLAYS BANK DELAWARE
State: RI
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 FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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 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