BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is in regards to open complaint # XXXX. 

XXXX XXXX has been calling my place of employment and releasing very sensitive/private information [ regarding wage garnishments ] to coworkers of mine when they should ONLY be speaking to my superiors [ i.e. HR manager, Payroll Department manager, etc. ]. 

I now have coworkers approaching me that are now fully aware of my wages being garnished and it is very embarrasing and quite frankly a breach of my privacy as a consumer. 

I am at risk of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd parties [ i.e. Careless phone calls from XXXX to my employers office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ]. 

XXXX XXXX is literally ruining my life as I know it with their careless malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Sequium Asset Solutions, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
returned some of the equipment in XX/XX/XXXX to XXXX and the rest in XX/XX/XXXX also to XXXX, account not showing all returns bal should be {$540.00} instead of XXXX. I have called and visited the store on multiple occasions to resolve the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX2018 Account Closed on XX/XX/2018 Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX   CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: In progress
Consumer complaint received 2023-04-17
Company: W&A Intermediate Co., LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The collection agency is violating my rights under the no surprise act of XXXX. I have medical bills that an out of network provider is charging me without my prior authorization. I have never signed a HIPAA release form with the following creditors 1. Wakefield and Associates XX/XX/XXXX {$1100.00} 2. Wakefield and Associates XX/XX/XXXX {$920.00} These are inaccurate HIPAA violations and I require you to delete these immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: WI
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:
On Date I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX  on XXXX ( Reported Identity Theft )

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 2023-04-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
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:
On XX/XX/XXXX I made a online payment of {$270.00}. When I logged onto my account in XXXX to make my XXXX payment I could see that the XXXX payment was not recorded. This was a surprise to me as I had never received a phone call, email or letter notifying me of any problem with the account. I then made another payment for both XXXX & XXXX for the amount of {$550.00}. This time I noted the confirmation number of # XXXX. Recently, I received a notice from XXXX that 5/3rd had reported me late to the credit bureau XXXX Shocked ( especially at the XXXX point drop in my credit report! ) I logged onto my XXXX account and found that the XXXX payment that I had made was this time recorded but returned. Completely confused I called 5/3rd and asked them what was happening. I had now attempted to make TWO payments, one not even showing up and the second returned and I had never been notified of either of them missing. XXXX said that they followed normal reporting rules. 

My complaint is their reporting is incorrect. I did in fact make the XXXX & XXXX payment on time & I believe it was an issue on their server that it did not go through. Furthermore, I never had a chance to rectify the missing payment as I was never notified personally through phone, email or mail. 

I brought the account current today on XX/XX/XXXX when I called and talked to a representative. I made a payment of {$870.00}. I asked them to remove the bad credit report and they said no. My ask is they do remove this from my credit report as it's not correct and I was never notified of an issue. Also, I have brought the account current including all their fees so I feel that would be more than fair. I'm attempting to refinance a home I remodeled and their reporting has made it impossible to do so and I may lose it all together so it's a dire situation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Numerous attempts made to correct credit report has failed.

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 2023-12-18
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.

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 2022-07-06
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: Information belongs to someone else

Complaint:
FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-12-18
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Formal Complaint Regarding Equifax 's Failure to Address Disputed XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to take appropriate actions in response to multiple disputes I have submitted concerning an XXXX Collection account on my credit report. 

I have submitted several disputes to Equifax regarding the XXXX XXXX account in question, requesting that it be deleted or removed from my credit report. Despite the requirements of the Fair Credit Reporting Act and the information I provided to support my claims, Equifax has not taken any actions to rectify the situation. 
I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that Equifax fulfills its obligations under the Fair Credit Reporting Act. I kindly request an investigation into the handling of my dispute and ask that Equifax take immediate action to rectify the inaccuracies associated with the XXXX XXXX account on my credit report. 

I understand the importance of accurate credit reporting and believe that the unresolved dispute is adversely affecting my creditworthiness. I seek a prompt resolution to this matter and request that Equifax provide me with an update on the status of the dispute resolution. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened Bank of America savings account in my name without my consent. I called Bank of America immediately and they were able to close this fraudulent account. Account was not funded therefore there was no loss and my claim was closed. I went ahead and initiated fraud alert with credit reporting bureaus. Person that was able to open account in my name had access to my following personal information : previous mailing address, current email address, most likely social security number, my birthday which they entered incorrectly by one day ( might have been intentional ) .This account was opened on XX/XX/2023. 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 2023-04-17
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM RECIEVING DEBT COLLECTIONS FROM A CREDIT CARD I NEVER HAD.

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 2023-04-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple disputes to this collection agency. This is a fraud case. I sent over a request for information as i have never had a credit one card. They sent me a statement for someone with my name in INDIANA. I live in Texas. I tried to explain to them this is fraudulent and asked if they can send over information such a dob or social so i can tell if this is a case of identity theft or if this is someone with the same name? Its on my credit report but not mine so they must have my social. They keep replying with the same credit one statement and not even looking at my dispute. This needs to be removed from my report and labeled as fraud. HELP! They also never sent me anything saying that this debt was purchased and i could dispute it or i would have done so to avoid it ever going to my report. This also could have already been reported to identitytheft.gov but they didnt notify me. I am pretty sure this violated FDCPA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NJ
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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

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 2020-02-20
Company: Experian Information Solutions Inc.
State: NC
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:
THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF 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 non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # 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 or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : 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 2023-04-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
There were {$30.00} rewards on my account in XX/XX/XXXX. I went to use my rewards in XX/XX/XXXX. They were gone from my account. I called customer service for an adjustment. They made a {$.00} adjustment. I called back, spoke to a supervisor and was assured it would be on my account on the next billing cycle. It was not, nor was it on any billing cycle. I have been calling them each month with the same script. In XXXX, they managed to get {$10.00} back. Today was my final call to them with them same story.

Company response to consumer: Closed with monetary relief