BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: SC
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:
I have contacted Equifax numerous times to remove and or correct inaccurate information on my credit report. I am a victim of identity theft and this is defamation to my character as a business owner and consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX, XXXX I spoke with a XXXX customer service rep as to why my report had not been updated with Equifax since XXXX for XXXX 's reporting. She double checked with their reporting department and said that they did submit the reporting to the credit bureaus already in XXXX ( but did not have a specific date to tell me when and was unwilling to go ask that department any further questions ) and said I had to contact the credit bureaus directly to find out why they have not been updated. XXXX XXXX, XXXX I spoke to an Equifax phone rep with the employee ID : XXXX who clearly told me multiple times that XXXX has not in fact submitted any update in XXXX or XXXX yet to report for XXXX. XXXX is being willfully non-compliant and completely unhelpful to resolve this issue as I take the accurate reporting of my credit seriously and require it to be kept up to date as the laws require.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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:
There is an old fraud account from XXXX on my credit report being reported as a charge off. Experian refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but Experian refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but Experian has not sent me any information pertaining to that, but yet after a recent dispute Experian reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.

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 2017-10-05
Company: Worldwide Processing Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Receiving nonstop calls to my work and it is a recording stating its XXXX does not identify who they are or what they want. Recording states they are trying to obtain my location and whereabouts and if they are unable to locate me the law allows them to contact all references etc. Phone calls are not allowed to my place of employment, calls are recorded and they continue to call. Never identify who they are or what they want. I have no correspondence from anyone nor do I have collection action or anything of that nature on my credit file. They are calling from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 disputed a debt being reported on my credit report and instructed TransUnion that I am not familiar with the debt, the company reporting the debt ( XXXX XXXX. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either TransUnion, XXXX XXXX. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of TransUnion to maintain only 100 % accurate information within my Credit Reporting File.

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 2017-10-05
Company: FACTUAL DATA CORP.
State: NV
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:
On XXXX/XXXX/XXXX a hard inquiry was pulled on my credit report. I did not give permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm being denied access to the billpay service for no other reason than I do not have a cellphone that gets text messages. 

This is a discriminatory practice to old people with bad eyes and XXXX who are physically incapable of using a cellphone and can't afford the cost of a bunch of tech gadgetry just for this one thing.

I'm sick and tired of millennials and their toys dictating how I'm supposed to conduct my business. I thought I was doing great just to have internet. If you're going to do this, then it should be mandatory to state in your adverting : " if you don't have a cellphone that gets text messages, don't bank here. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: EQUIFAX, 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 noticed in my credit report have several hard inquiries I do not inquired or authorize. They put negative image on my credit score and it need to come out of my score as soon as possible. They are as follows : XXXX XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX XXXX cred inquiry from XXXX XXXX never inquired or applied anything with them ; XXXX-inquiry from XXXX XXXX, XXXX not authorize or inquired anything from them ; XXXX XXXX XXXX XXXX XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX inquiry XXXX XXXX, XXXX never inquired or applied anything with them. These are the companies I found made inquiry in my credit report without my consent or my approval and I want them remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX. This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For the past several months, I have reached out to Coast to Coast in regard to a collection account they have placed on my credit. I have not been successful in getting the matter resolved which is why I have elected to file this complaint. I have no knowledge of what the account is for because I was never contacted by them- they just placed the debt on my credit. Additionally, I HAVE BEEN A VICTIM OF FRAUD. I have a police report on record- the bureaus have it and i filed a complaint with the FTC XXXX Again- I have no knowledge of account number XXXX AND I AM REQUESTING THE FRAUDULENT ACCOUNT AND IT'S FRAUDULENT PAYMENT HISTORY BE EXPUNGED FROM MY CREDIT 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 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my 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 2022-04-06
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Monday, XX/XX/2022, XXXX PM ( ET ) I sent a message through the secure message system because I had lost my XXXX XXXX Rewards XXXX. 
Message read : To : Comenity Bank Subject : Lost or Stolen Cards Message ID : XXXX need to close card and get another ordered I have been making above minimum payments, paying interest and waiting to recieve my card. I finally got ahold of the company to let them know that I still haven't recieved my new card and request another card and they told me that they closed my account per customer request, which was incorrect. I spoke to a regular agent, she told me there was nothing she could do. I requested to speak to a manager, she also told me there was nothing they could do. She apologized and told me it was very clear by the notes on my account that I did not request for my Credit Card Account to be closed, it was obvious that I was reporting my card lost or stolen and I needed a new one. This was a 4 year old good standing account that was a nearly {$9000.00} credit line. This is SO BAD for my credit score and I need something done immediately. By law, there has to be something that I can do. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: LA
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX we put a stop payment on all transactions from XXXX XXXX. We then have our stop payment request refunded back to us on XX/XX/XXXX to then allow a check from XXXX XXXX for {$340.00} to go through putting our account into the negative big time. We never even were notified they were taking the stop payment off and then letting the payment from XXXX XXXX to go through. Talk about being crooked big time. this is very unacceptable.

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 2021-05-18
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity Capital Bank applied a {$1900.00} promotional finance adjustment. The regular payment schedule set by Comenity was not sufficient to pay the account in full within the 24 month promotional period as I intended. 

In XX/XX/XXXX, I purchased my hearing aides from XXXX XXXX XXXX for {$5900.00}. XXXX XXXX XXXX offered exclusive no interest promotional financing through Comenity Capital Bank. I accepted the offer & agreed to pay the full amount with 24 equal automatic payments. There was confusion with Comenity at the start of the contract period because the automated payment schedule was not set up. The Comenity representative calculated & proposed a payment schedule. The amount was Ultimately automated payments began XX/XX/XXXX. An attachment lists all payments made to Comenity. 

Only recently after receiving a payment due notice XX/XX/XXXX from Comenity Bank did I realize a problem existed with my account. I only understood the issue after the fact & after contacting both XXXX XXXX XXXX & Comenity Bank. The regular monthly payment was not sufficient and left the balance of {$650.00} at the end of the 24 month promotion. As a result, Comenity assessed over {$2000.00} in finance & late charges in XXXX which I only saw after the XX/XX/XXXX Comenity late-payment notice. 

I paid each monthly payment via ACH & accepted paperless statements for economy and convenience. The impending balance on the promotional account went unnoticed by me. As soon as I noticed an outstanding balance and researched the circumstances, I paid Comenity Bank the XX/XX/XXXX {$650.00} balance. I appealed the additional charges with Comenity Bank. Comenity Bank senior representative XXXX politely repeatedly cited the contract terms but denied my request to dismiss the additional finance charges. Comenity has not responded to my secure email request for an appeal. 

I contacted XXXX XXXX XXXX again, appealing for assistance to clear the dispute. XXXX XXXXXXXX XXXX VP of Sales responded that the bank is obligated to split the sum of the entire purchase into 24 equal payments and not reduce the payment amount in any way to deceive you and cause you to default and incur interest. Since Comenity calculates the monthly payments, " privacy policies prohibit me from discussing your account with your bank ''. 

The harsh penalty is unacceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Initiated letter to Legal department of all 3 Credit bureaus. All three credit bureaus show different amount of this debt. Registered mail.
XX/XX/XXXX - Registered mail to creditor asking them to validate debt through audit certification of debt education to debt entry in accordance with g.a.a.p, I.f.r.s., in accordance with basel 3 accord an u.n.c.i.t.r.a.l conventions. And requested copy of creditor 's Tax Registration certificate.Creditor never validated debt. 

XX/XX/XXXX - Requested creditor ask creditor to validate debt via registered mail.
XX/XX/XXXX - Requested credit bureaus validate debt and amounts via registered mail. 

So forth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed disputes with XXXX, XXXX and Equifax back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have called XXXX, and trans union and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

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 2022-04-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted wakefield and associates multiple times and emailed documents twice about removing this {$1300.00} debt that is now {$1400.00} on my credit by XXXX XXXX XXXX XXXX. I was promised it would be removed and till this day its still on there. This bill was paid on XX/XX/2019 by XXXX XXXX XXXX at time of discharge. This was never owed. The hospital sent me docs to prove. I submitted complaint to XXXX  and wakefield did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX ( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXXXXXX 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