BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MO
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 am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit file. Despite repeated efforts, the incorrect address and unauthorized inquiries persist, negatively impacting my credit report. 

I initially submitted a dispute, and since then, I have tirelessly attempted to correct the inaccuracies through your established dispute resolution processes. Regrettably, these efforts have been met with little success, as the issues remain unresolved. 

My credit report continues to display an inaccurate address that is not associated with my current or previous residences. This misinformation poses a threat to the integrity of my credit profile and may lead to further complications, including potential identity-related issues. 

There are multiple unauthorized inquiries on my credit report that I have not initiated. These inquiries are not only inaccurate but also raise concerns about the security and privacy of my personal information. 

I have submitted the required documentation, followed the appropriate procedures, and communicated with your representatives on numerous occasions, providing all necessary details to rectify these errors. However, despite my persistent efforts, the issues persist. 

I request an immediate and thorough investigation into these matters. I insist on the prompt removal of the inaccurate address and unauthorized inquiries from my credit report. Additionally, I expect a detailed written explanation for the continued presence of these errors and the measures being taken to prevent their recurrence. 

These inaccuracies are not only affecting my creditworthiness but also causing undue stress and inconvenience. I trust that Credit Bureaus takes these concerns seriously and is committed to providing accurate and reliable credit information to consumers. I am asking for your assistane to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I have very good credit. There is a person named XXXX XXXX that has really bad credit. I received a denial from a credit card company with her name on it and my address. I called the credit card company and they apologized saying she had different ss # and social security number. I then checked my Experian credit card score and I was totally unbelieving that my credit score of XXXX went down to XXXX. I looked at the report and saw delinquent accounts that were not mine and past due credit cards and collection agencies. I pay all my bills before they are due. My Credit card accounts showed everything was paid on time. Her accounts were all delinquent. I called up Experian and they told me they are in process of deleting them but it takes 72 hours. I need help right now. What if my good accounts receive notice of their error. I think the blame of this is either this person or the Credit Bureau and I would like it resolved immediately. 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 2020-07-13
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank is no longer allowing access for mobile apps to link with my account. I was trying to sign into XXXX to start saving money and look into stock options, but was given a message stating that PNC isn't allowing account linking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
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 on XX/XX/22 to update this suspicious information. I think they 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 # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX* Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
My mortgage company is with Specialized Loan Services during that time they issued me a home insurance that was automatically applied to my mortgage statement, even though we had our own insurance and continued to show proof over a three month span that we had an active home insurance and they did not need to purchase insurance for us. We continued to pay our mortgage statement but only the loan amount not the amount of the homeowners insurance they forced us to get even though we didn't need it. It showed that we were not paying the correct amount and they reported us delinquent ; now this stopped us from receiving a credit card because our credit report appeared that we were late even though we were not. I have tried to resolve this issue with the company to no avail they said they would fix it and it still has not happened.

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 2023-11-23
Company: EQUIFAX, INC.
State: CA
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:
I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NV
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Bread Financial Holdings, 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 Comenity CapitalXXXX XXXX end, violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, or report amounts once the account has been closed arbitrarily.

15 USC 1666B : A credit card account under an end consumer credit plan as late for such purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CITIBANK, N.A.
State: GA
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:
I tried to purchase tickets for a concert on XX/XX/2018 for {$280.00} from XXXX. I waited until XXXX and never received the tickets by mail or on my phone. I cancelled that purchase and asked for a refund on my credit card. I repurchased tickets again in XXXX for {$410.00} that purchase DID go through. XXXX has stated the email for first purchase was wrong, but will not refund my {$280.00} due to their policy. I feel I should not have to pay for anything I did not receive. My credit card company stated they have not received a credit ticket from XXXX so will not remove the charge from my 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 explanation
Consumer complaint received 2020-07-14
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency told me if I paid XXXX this would resolve my XXXX  account as paid in full. I paid the money they removed it for a year now it's back with another company with demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
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:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 called the XXXX credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-23
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: Problem with personal statement of dispute

Complaint:
You have got to XXXX kidding me?! I am complaining about Experian yet again! This is ABSOLUTELY RIDICULOUS!! I just complained a couple of weeks ago about my BK which Experian finally removed after maliciously trying to ruin my credit even further by trying to extend it an extra three years for no reason. So now they ( you Experian ) retaliated against me for complaining about you. You removed my BK finally but now in removing my BK you dropped my credit score by 30 points from XXXX to XXXX after removing my BK? So explain to me how that make sense? You removed a major negative item from my credit report and you drop my score 30 points for that? If you ask me that sounds like retaliation against me for complaining about you. Why would one 's score drop 30 points for having a major negative removed? Hello Federal Government, do you not see a pattern of wrong doing here? There is no reason whatsoever why my score should drop 30 points after having a major negative item removed from a report. If anything my score should have went up 30 points, I mean really!! Again maliciously, knowingly and willfully ruining my credit once again! I can't even believe I am having to complain once again. I am so tired of this fraud of a credit reporting bureau it makes me sick you just purposely try to ruin people lives. Sure I've missed some payments lately but I've been unemployed for over three month 's now and that would be the reason for that. It's like kicking someone when there down by what you have done by dropping my score 30 points as you have for removing a major negative item. So now because of what you've done ( Experian ) I have been turned down to rent an apartment for XXXX and now I may be living on the streets come the new year. THANK YOU EXPERIAN!! Federal Government please take action against Experian, that is not okay to do what they are doing to everyday folks like myself. I now can not move and maybe homeless. This is an OUTRAGE AND TARVESITY what you credit bureaus are allowed to get away with! So frustrated!! I can't even believe this!!

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 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: MS
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:
A few months back I requested my credit report from Experian, XXXX and XXXX. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last XXXX of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. Experian charges {$24.00} for a credit file lock and that gets expensive also.

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 2023-09-01
Company: Experian Information Solutions Inc.
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2022-10-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent documentation to request the REMOVAL OF EXTENDED FRAUD ALERT/FRAUD ALERT from my credit profile and 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 2018-08-27
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a repossessed car with XXXX XXXX that was sold over to cascade. I paid cascade the amount and was promised that it would be reported as paid in full ; it was reported negatively that sent the account to collections on my credit and reported it late once again Ive called both companies. Just to get a we cant help you. The account was paid XX/XX/2018 for {$3000.00}. I receive a paid in full letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation