BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: LA
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 sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Checkr, Inc
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
This is the second time Ive had to deal with Checkr having incorrect information on my background report. I have filed many complaints to them and they do not investigate the inaccuracies. This has resulted in my inability to work for several months. I can not get anything other than form responses back. They are way past the 30 day requirement to work on this. 

They claim to be waiting in county records. The counties claimed, Ive never even been to the States they are in. It is clear they have collated someone elses records with mine, but refuse to investigate my complaint. So I took it upon myself to contact those counties and both reported Checkr was lying to me. Both reported there are no records whatsoever and they havent received a request for records on me. 

In review online of other complaints against the company, it appears they do an investigation when a complaint of inaccurate information is filed. Based on my research, Ive found that I am the sole example of them refusing to conduct an investigation as required by law. The only difference between me and others they are conducting checks on is that I am XXXX. It is the single difference I can find. At this point, the second time this has happened, I believe the company or employees are discriminating against me do to my XXXX. I have no criminal record. Its been approximately 60-90 days this process has been ongoing, with no attempt by Checkr to do as they are required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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: Their investigation did not fix an error on your report

Complaint:
I have no knowledge of the following account that I see on my credit report : XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2023-09-20
Company: EQUIFAX, INC.
State: TX
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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Opportunity Financial, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
[ I am writing to dispute the status of certain closed accounts associated with my name. I recently obtained a copy of my credit report, and upon reviewing the information, I noticed that these accounts are inaccurately reported as closed. I kindly request your assistance in investigating and correcting these errors as soon as possible. 


Please note that these accounts have been closed for quite some time, and I have the necessary documentation to support this claim. It is crucial for my financial records to accurately reflect the status of these accounts, as they contribute significantly to my credit history and overall creditworthiness. 

I kindly request that you conduct a thorough investigation into these accounts and update the information on my credit report accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccurate information on my credit report, and I am exercising that right. 

Moreover, I kindly request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies within the time frame stipulated by the FCRA. This will enable me to keep track of the progress made in resolving this matter. 


I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this dispute. I trust that you will rectify the inaccuracies on my credit report and provide me with the necessary documentation to confirm the updates made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: OH
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. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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:
In accordance with the Fair Credit Reporting Act XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Rauch-Milliken International, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Theyve harassed me through email and Ive responded with a inquiry for a verification of debt letter which they can not seem to validate or come up with. They keep threatening with legal action but WILL NOT provide any proof of debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My wife and I visited Mattress Firm on XXXX XXXX in XXXX, MO on Saturday XX/XX/2018. The salesman told us about their financing options and offered to check if we qualified. He told us he would do a soft credit check and it wouldn't affect our credit. I agreed and said there would be no harm in it if it won't affect my credit. We proceeded with the check and we were approved. I told them we would think about our options and would return in a few hours if we were interested. The following Monday I received an email from XXXX  that a new account had been opened in my name. My wife called the store and they told her that was just part of their process. I called Synchrony who administrates the credit card and they verified that a new account had indeed been opened. I asked them to close the account and they did. I returned to the store two weeks later on XX/XX/XXXX with my new card in hand to ask them about it. They again insisted that they had done nothing wrong and that was just the way their system works. When they check if someone qualifies for credit a new account is automatically opened. I never authorized them to open an account for me, and I never signed an application. A hard inquiry and anew account now shows up on my credit report. I don't know that this will significantly affect my credit score, but that is not the point. At the worst this was fraud. At the least it was misleading.

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 2023-09-07
Company: Credit International Corporation
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received email stating I owed money to XXXX XXXX for services never rendered. Tried to clear it up but was never sent statement of services owed so knew this was a scam. They then sent this to Credit International Corp in XXXX XXXX. They contacted me about payment and I also ask for statement of services. Again was never sent this. They reported to XXXX and caused my credit score to go down 100+ points. I reported them to the Arkansas Attorney General and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that Credit International was not a registered company in Arkansas and they contacted them and were sent to a fake website therefore that raised red flags to them that this is a SCAM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The amounts of the Federal Department of Education loans are incorrect. The collection agency that claims this account was refreshed in XXXX and again in XXXX is fraud. I have not contacted the agency or made any payment or communication to these agencies about this loan at either date in either year. They also used credit references I never used nor would I ask to use. I didn't know these people before XXXX. I haven't spoken with either one of these so called references in over XXXX. XXXX XXXX used as a credit reference is also listed in XXXX XXXX California and his address was in XXXX XXXX. It also used an address in reference to me I have never lived at in XXXX California. This information to refresh this loan was obtained by an employer who illegally fired me because I asked this employers for my XXXX, had I received that XXXX I would have found out they had never reported me to the state of California over that year. This delinquency has caused me a lot of financial hardship by sandbagging my credit scores. I have perfect payment record for more than 7 years now and this harming my credit rating severely. This fraudulent information needs to be removed from my credit history immediately. The information used by the collection agency from my fraudulent prior employer was illegally obtained from this employer is illegal in itself. The collection agency then used this false information to fresh this loan in XXXX and XXXX. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-09-20
Company: EQUIFAX, INC.
State: AZ
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:
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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : 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 I have attached a report that was sent to XXXX XXXX via XXXXXXXX XXXXt but have not gotten a reply from the police department at the present time. Thank you again for your help.

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 2023-05-22
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX I am writing to request the removal of the unauthorized credit inquiries on my credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed 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

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 2023-09-20
Company: EQUIFAX, INC.
State: LA
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i invested with a broker and sent money by wire transfer but the sccamer took my money i went to the bank to try to get help they did not do anything they told me was my problem

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance Owed : {$200000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed XXXX {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXXXXXX XXXX Balance Owed : {$2700.00}

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 2023-09-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i checked my credit report and have a late payment reporting from XXXXXXXX XXXX XXXX XXXX  i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX  XXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter and tried calling about getting these inquiries off my report that i did not authorize and i get the same response " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' but when i contact the creditor they tell me to contact transunion i just want these inquiries removed According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. 

the inquiries i dont recognize are below along with the dates i would like them removed XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I credit reporting for payment history since XX/XX/XXXX on my credit card Ive contacted TransUnion about this type of issue before

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