BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My second email below was sent to Elan Financial via postal mail today. It reads as follows : Dear Sir or Madam, On XX/XX/XXXX, I put charged a deposit of {$100.00} on my FidelityRewards VISA ( serviced by Elan Financial ) towards the purchase of a XXXX XXXX XXXX  with a initial contract of {$60000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX contacted me that the price would be in excess of {$96000.00} and offered a full refund. I processed the cancellation order on their website, but have never received the refund of my deposit. 

I earlier contested this charge through Elan and they just sent back the original copy of the contract showing the 3 day right to Cancel in California and my execution of the contract. XXXX made no mention of this 60 % price increase or their offer for me to cancel / receive a refund. Clearly the deposit can not be held by XXXX when they so drastically changed the pricing. 

The employees who originally serviced my accounts are no longer with XXXX and my account on their website has been disabled. I can not retrieve the revised contract. There is no mailing address offered on XXXX website to send formal correspondence. 

I am also contacting the CFPB for 1 ) Elans poor investigation into the matter and 2 ) for XXXX deceptive business practice. I should be able to log into my account and see the correspondence and history of the matter. 



XXXX XXXX Encl : Original Contract Pricing XX/XX/XXXX Emial notification from XXXX notifying of contract price increase and offering deposit refund.

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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX, has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 I.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.

Company response to consumer: In progress
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Account # XXXX and XXXX XXXX  ( XXXX XXXX ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section 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 that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof 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 by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recieved some correspondence from SPS Servicing in response to a complaint filed. 

Please may I know where the origin of this blue Document is located? I would appreciate if there can be some other way of communicating and distributing the communication options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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 belongs to someone else

Complaint:
I am trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2023-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-24
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ive been with the brokerage platform Robinhood for some time now and around the XXXX of XXXX I was restricted on my account due to security issues ( I was trying to withdraw my money not knowing how to use the new card update feature ( also on the XXXX ) I submitted them all the proper documentation such as ( a selfie, my license, and XXXX different bank statements ) shortly after I call them and they tell me that theyd push my case through faster only to still be locked from obtaining my money Ive told them numerous times I just want my funds Ill no longer use the platform.. however now when I attempt to contact them they dont give me any calls nor emails and my account is still locked! I cant do anything They do not help at all I just need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 2020-12-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon looking at my credit report I spotted the following Inconsistencies and inaccurate and b/c I the FCRA I would like these negative items deleted from my credit report. Not my account was deleted now reappearing on XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.

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 2023-10-13
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
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:
I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted equifax credit bureau , XXXX credit bureau and , XXXX  credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX 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 I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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:
Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
We enrolled with Freedom Debt Relief to clean up our credit cards and loans. We were paying XXXX every 2 weeks and then we lost 2 of our incomes. Before we lost the 2 incomes, I had agreed to a settlement on one of the accounts. They paid only XXXX to them. There was a XXXX balance. After losing the two incomes, we had to drop out of the program. I went back and looked for that money and it went to them, the company. I have a ledger showing this and also a fee of XXXX each month when account was active. I was told to call if I wanted additional information. This morning I spoke to a rude woman there who told me they took the money as their fee although nothing was settled at all. She said I owed them XXXX but they took the XXXX and that was the way it was. I feel that the money we invested into this program should come back to us as not one bill was settled. They were taking out their fee every month and that XXXX. Was there to pay bills that never got paid. I'm sorry we couldn't go through with it, but we were XXXX  Less income. I just want to know if what they did was legal? And is there any way to get that money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/. While checking the above report, it came to my notice that your Company ( SUNRISE CREDIT SERVICES ) has furnished ( 1 ) account on my report, account numbers ( None listed ), XXXX XXXX XXXX XXXX XXXX amount listed {$78.00}. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company ( SUNRISE CREDIT SERVICES ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against 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 2023-07-24
Company: WELLS FARGO & COMPANY
State: IL
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:
Got email from Wells Fargo that an application for a credit card was submitted on XX/XX/2023. Multiple emails alerts were also received from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX about a new inquiry/credit card application. 

Soon, someone contacted me from WF and went through the whole nine yards asking questions and validating information etc. Then they hung up saying that they will investigate and close the account/application that was not opened/submitted by me.

In the afternoon of the same day, another person from the same institution WF called and once again verified and validated a sequence of information and once again they confirmed that the fraudulent application was submitted and they will deny the same.

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 2023-08-09
Company: EQUIFAX, INC.
State: CO
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief