BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
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 would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have noticed several inaccuracies in the way my accounts have been reported. The information provided is missing the furnishers contact information. I am not able to reach this furnisher about this inaccurate reporting. 

This item does not meet the maximum possible accurate standard and must be deleted to correct this inaccurate 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 2023-07-14
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: NY
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 applied for a Wells Fargo XXXX XXXX XXXX XXXX online on XX/XX/XXXX. didnt receive the card but I did receive a message from the bank regarding cards activity on XX/XX/XXXX. The purchases were made on XX/XX/XXXX but I received the message from the bank on XX/XX/XXXX. I called the bank on XX/XX/XXXX to verify a fraud and to block the card. On XX/XX/XXXX all transactions had PENDING STATUS so when I called, bank was able to decline all pending transactions but the claim was created instead. The bank representative allowed those pending transactions be processed after the cardholder called and verified it was fraud! Instead of blocking those transactions while it was possible, bank representative created a claim and all of the fraud transactions were transferred to my replacement card in amount of {$960.00} from XXXX and {$110.00} from XXXX. Bank representative told me my claim was declined because bank system shows the card was activated on XX/XX/XXXX from my cell phone. I didnt called to the bank on XX/XX/XXXX and I provided my call phone printed activity from XX/XX/XXXX to XX/XX/XXXX to the bank proving I never called to the bank on XX/XX/XXXX. Bank ignored my evidence and still requesting me to pay for fraud transactions. I also filled out police report and provided it to the bank as well but bank ignored it as well! By ignoring all of the evidence from customer side as well as the ignoring of the police investigation process show that Wells Fargo bank ignores Civil Rights of its customers and it also helping frauds.

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 2023-03-09
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-21
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
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 non-monetary relief
Consumer complaint received 2018-09-25
Company: Western Collections, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I left an apartment complex and gave my 30 day notice but they refused to accept it because it was technically 29 days but their office was closed the previous 2 days??? Now i have a collection on my report for the rent plus a toy they found in the septic system that wasn't mine!! I've tried working it out with them but they refuse to remove the collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Zip : XXXX, IL XXXX Email Address : XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NC
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 dispute on XX/XX/23 for a collection account that is being reported on my Experian account but NO other credit report because it has been disputed before and found to be INACCURATE and was removed. The collection was NOT investigated. On XX/XX/23 the investigation was closed and it did not result in any change to the inaccurate reporting of a collection account.

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 2023-10-25
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is First Point Collection Resources , Inc located in XXXX NC. Had debt from an XXXX XXXX visit to XXXX XXXX XXXX in XXXX NC. Made payments to the hospital but was sent to collections. 

Received notice from the above referenced company and filed a Dispute. In the dispute we requested several items to include : 1. A detailed Invoice 2. Paperwork indicating who would be responsible for debt 3. Confirmation that XXXX XXXX XXXX is in compliance with Transparency Laws ( ie. Cost of services was not disclosed prior to services being rendered. 

Received nothing but a vague copy of an invoice that referred to several items that were not detailed as well a letter that said XXXX XXXX XXXX verified the debt was appropriate. 

The letter was from XXXX XXXX, Manager of XXXXXXXX XXXX XXXX XXXXXXXX. 

While on a phone conversation with the company they threatened to damage my credit by reporting to credit bureaus. 

I feel as though I am responsible for a portion of the debt but that the Hospital failed to be transparent and the collections agency has done little to confirm the debt and work out payment options, nothing but threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
MY STATE RIGHTS ARE BEING VIOLATED. I AM BEING OVERCHARGED ILLEGALLY. 

When closing the refinance in XX/XX/XXXX with the same company I had a mortgage since I 1st bought the house, I gave the closer a the originals from the state of WASHINGTON that I am a XXXX individual. 

It is XX/XX/XXXX. I have mailed by regular mail copies of the XXXX status, I have uploaded SEVERAL times to their upload option in the Contact US link ( which was re-suggested I use by the company just a week ago ). 

I have been overpaying and even struggling to meet the excessive payment. The 'released ' a 1st escrow payment, but I receive no refund from this company either. 

I called last week. The agent said she doesnt see any copy in the system ( whether the one I gave the colser, the one I sent by mail or the several I sent online ). The escrow rep told me to re-uploaded. I did last week. NOTHINHG changed. 

I wrote again yesterday to their non-functioning-Contact-US ( a problem I have had complaint about this company here before, they gave the impression that they upgraded and improved their online services, BUT THAT IS BULL!! ) I told them to contact me in 24 hrs. Of course, NOTHING happened. 

So, here I am, 1 step away from suing. I demand that they follow the law, adjust my bill, and/or give me a refund! Im being robbed here! My rights as XXXX veteran are more than violated. I did my due diligence.

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 2023-09-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is my response to Synchrony Bank ( XXXX ). This is not resolved. I am trying to move on, but Synchrony won't let me. They made a lot of claims, that's fine, however, please note after only a couple of months paying for my items and paying on time, XXXX. dropped my credit limit from {$1000.00} to {$460.00}, saying my credit was bad. I contacted XXXX, and my credit was good... XXXX. dropped my credit limit with them because I started lodging complaints with them about their product, service and confusing promotions. I believed I had every right to question policies. Shortly after dropping my credit to {$460.00}, they charged me {$75.00} interest on my next statement. My interest payments went from XXXX, {$2.00}, {$3.00}, etc ( small amounts ) to {$75.00}. I also questioned the giant increase in interest payments- not to start problems but to try to understand why! 

All of that is forgotten. I am trying to move on. I need to purchase a piece of furniture from XXXX XXXX. XXXX. is their finance company, and when I went to finance the furniture at XXXX XXXX  XXXX. denied me. I couldn't understand why. I contacted XXXX and was told my credit is fine. 

After XXXX. denied me twice, I received an email from them saying " oops, we made a mistake. Your credit is fine, but you can only shop at Mattress Firm and you can only have {$460.00} to make your purchase ''. I don't want to shop at Mattress Firm because the bed I purchased from them last year - sags- and is bad for my back. XXXX. is the only finance company XXXX XXXX uses. 

I need XXXX. to allow me to make a purchases from XXXX XXXX, after all, if my credit is good to shop at one store, it's good for another. 

I want to be free of this XXXX. nightmare, all I want is to purchase from XXXXXXXX XXXX and for XXXX. to lift the restriction. If they are only going to give me {$460.00} in credit- so be it - but transfer that to XXXX XXXX. I've done nothing wrong but 1. maintain good credit 2. ask questions 3. ask questions of XXXX. and they retaliated by lowering my credit.

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