BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Caine & Weiner regarding this debt but I have been unsuccessful. They are unable to provide me with any information regarding where the original debt came from. The amount of the debt shows on my credit report is {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Genesis FS Card Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is in regard to my last complaint XXXX. Based on the company response and the status update which indicated that the company deleted the fraudulent account, after my complaint, I was under the impression that Indigo/Genesis realized their error ( that it was never my account ) and would stop reporting negative/delinquency claims to the credit bureaus! Today on XXXX, XXXX XXXX yet another false report was send, this time to a different collection agency. Once again it was Indigo reporting the same fraudulent account, with the exact same amount of {$680.00} which was supposed to be deleted from my records for good. I had just barely recovered from the last time this institution filed a false report with a collection agency against me. Once I was able to recover, after the credit bureaus investigated and confirmed i was a victim of fraud my credit score improved significantly. Today Im looking at what I could have achieved and my missed opportunities due to the fact that the same company went to a different collection agency and reported the same account that was supposed to be closed because I never had anything to do with it! This company is ruining my life! I was trying to buy a house and I was so close to getting the credit score I needed. This report changed my status from good to fair I was working so hard to boost my credit score! i have every proof that this account if fraudulent. However, the time it will take to dispute and resolve this matter will cost me yet another opportunity to buy a house. All this has cost me over a year of missed opportunities with no end in sight! I never knew Indigo, Genesis or whatever they call them selves existed until they repeatedly filed false claims against me! I want to be very clear! I have never opened an account with this company before nor did I apply for any line of credit with this company and most importantly I would never use this company in the far or near future! 

One important aspect about this resent collection report is that it indicates that l allegedly opened the account in XXXX. However, it shows one late payment in XXXX of XXXX which is this month! How can an account be delinquent in less than 30 days? Another aspect is that the credit institution is Indigo and they are claiming the same amount of {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: AR
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:
PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at EPERIAN, XXXX XXXX AND 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 2022-04-13
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ran my credit and found an error in my credit report I filed a dispute in the beginning of XXXX. Stating that the information is incorrect there is a wrong address for the said collection charge off of XXXX XXXX   XXXX XXXX XXXX. I sent a letter however the address that they have on my credit report and it is incorrect. So the letter was not deliverable. I have a stamp copy from the United States postal service indicating the address is not a good address. Also they do not have any account numbers and other information. They have multiple incorrect items on my credit report. I also sent a copy of the validation letter in that envelope two trans union. And I have copies of the stamped envelope that was addressed back to me By the United States. Post office. Trans Union still refuses to remove this incorrect item. Please help. They must remove this off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX this address is incorrect. How can I send them a letter to validate this issue if they put the wrong address on the credit report. Again they are missing the account number the correct address and many other things they must remove this out of my credit report. How can I send them a validation letter, if the address is not deliverable.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$290.00}.

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 2020-03-29
Company: EQUIFAX, INC.
State: AR
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:
PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at XXXX, XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Amex closed all my accounts, even though I have good credit history and I paid all my debts on time for about 13 years. There are some credit balance in the closed accounts and I have asked Amex to refund those credits to my XXXX  checking account three times and just received two refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining negative accounts on my Credit Report that needs to be deleted. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :

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 2017-12-09
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXXX16 Under {$300.00} The company is threatening to summons me for debt owed while i was on Military duty and going through family issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
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:
I find it quite interesting how it takes forever for Experian to update positive activities/factors sent from creditors but negative activities are updated almost instantly. And often time when you do finally decide to update positive factors, scores usually go up by just +1 point. Whereas any small negative factor like an inquiry would decrease scores drastically. Is Experian algorithm faulty, prejudice, Or is Experian incentivized for having its algorithm set up to amplify the effect of negative activity while downplaying positive factors??? In the last year, Ive paid off a mortgage, 2 auto loans, all credit cards balance, just to see my score increase by just couple points, especially my mortgage FICO2 score. This is not fair reporting.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: WA
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 XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions

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 2021-10-12
Company: Bread Financial 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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. COMENITYBANK/VICTORI was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct 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 complaints, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Credit Karma, LLC
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XX/XX/XXXX, I filed a dispute for a XXXX XXXX and a XXXX charge. They provided provisional credit on one of the charges and when I called on XX/XX/XXXX and they said I would receive the second credit for {$22.00} on XX/XX/XXXX. I did not receive it when they said I would but I have since received it. Today XX/XX/XXXX I received an email stating account closure for absolutely no reason. They do not care about people who already have bad credit and they do not care about their customers in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: LEXISNEXIS
State: GA
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:
Sent out serval supporting documents for the credit bureau and the third parties to do and proper investigation and they refuses to update me on documents of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Convergent Resources, Inc.
State: VA
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:
Convergent Outsourcing is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$210.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Convergent Outsourcing failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Convergent Outsourcing and Im demanding them to remove the collection account from my consumer report.

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 2022-03-02
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have accounts at BOA, I got scammed and sent money to the scammer three different times via wire transfers. The first transfer was completed with payment of {$24000.00} to an individual account on XXXXXXXX XXXX from online banking on XXXX  The second transfer was completed with the amount of {$35000.00} on XX/XX/ and the third transfer was completed with the amount of {$30000.00} on XXXX Those XXXXwo transfer sent to the same account of BOA. the account name was under " XXXX XXXX XXXX '' which is a property management company. The scammer told me I am making payments to XXXX XXXX XXXX XXXX This is totally scammed. I found all true information via XXXX XXXX after I made all money transfer. I called back a week later to refund my money or cancel the transaction. They say they can only try with first transaction ( {$24000.00} ) since this was made on online backing. Other two transactions are not possible even though it was transferred to the same bank ( BOA ). Please help me to get a refund my money. I have all evidence that supports I got scammed. I got scammed by people in XXXX. they left me with bunch of debt and broke my heart.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: National Credit Adjusters, LLC
State: TN
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:
On XX/XX/2023 I contacted national credit adjusters concerning a debt collection they put on my credit report, I called him spoke with somebody with the denial and dispute. Told him I needed to be verified the debt because I had no knowledge of it. They did not have a correct address or a correct phone number. Then I called again on XX/XX/XXXX. Talked with somebody again about another deny and dispute 30 days after the first one still no verified of debt mailed to me so I could find out what his problem is and it is XX/XX/XXXX and I still have not received anything in the mail or any phone calls about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct 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 complaints, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}

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