BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax data breach. My personal information was leaked due to poor security measures by the company. Per Equifax, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: AZ
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 filed 6 disputes on 9 accounts with Equifax. Each time, they have updated the accounts with inaccurate information.

These accounts were from the U.S. Department of Education. The accounts were paid in full through consolidation on XX/XX/XXXX of 2018. They are still reported as Currently in Collections through Equifax. I have contacted both the U.S. Department of Education and Equifax on several occasions, with the last contact taking place on XXXX. They refuse to correct the issue. The Department of Education asserts they do not report on closed accounts. Equifax states that The Department of Education is reporting the accounts each month as " in collections. '' The Department of Education states this is not true. Equifax refuses to investigate or correct. They state they are investigating, and then update the account to show currently in collections and change the " as of '' date to whatever date they investigated. I am a federal employee and CAN NOT have an account showing as in collections. I am trying to purchase a home and this is also preventing me from doing so, as it reduces my credit score each time it is updated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have several accounts missing from my XXXX  credit report : - XXXX - XXXX XXXX ( authorized user ) - XXXX - XXXX  XXXX ( authorized user ) - XXXX - XXXX XXXX  ( authorized user ) - XXXX - XXXX ( authorized user )

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 2018-12-12
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/18, received a collection notice from IC System stating I owe {$720.00} to XXXX XXXX XXXX XXXX, a company I haven't had an account with for two years. I called XXXX and they confirmed that I voluntarily canceled my account and my last statement when I canceled was for - {$0.00}. They confirmed that I do not owe them any debt.

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 2019-03-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
We applied for a credit card with Barclays bank after recieving the mailer that promoted the rewards etc for the Luxury black card with Barclays bank. We opened the account and we used it twice and paid the balance off. The card cost {$450.00} annually and the way we justified this expense was the great benifits that the card offered. We had it open for several months and then Barclays sent us a notice they closed the account. We asked for the {$450.00} back and the rewards we had built up. We were told from multiple customer service and credit card management employees of Barclays that we would not get any of the {$450.00} back or the rewards.

They offered no reason and no solution.

We basically were robbed of {$490.00} in a matter of several months.

Please help us resolve this.

If others are being robbed the Barclays should be stopped from doing this.

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 2019-03-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i contacted CHASE regarding a fraudulent charge on my account. However CHASE refuses to look into this matter at all! We have been CHASE clients for 20 years and they don't want to provide necessary security and or investigate fraudulent charges on our account. I conference called CHASE with my husband on XX/XX/2019 and their Claims department that handles issues such as fraudulent or unauthorized charges didn't want to help us we don't understand why and they refuse to further speak with us about this problem. on XX/XX/2019 we spoke with XXXX working for CHASE located in the XXXX refused and caused immense emotional distress to my wife. This not believable that our own bank CHASE is helping these fraudulent charges occur i sincerely believe they are in genuine and unwilling to help us with this issue. The merchant that took the money is a hotel in XXXX, Arizona and we had disputes with them regarding charges from XX/XX/2019 that we contacted the hotel and they advised us to contest the charges and their owner would call us back, we never heard back until they ran our bank card information again on XX/XX/2019 which prompted us to contact CHASE right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, XXXX changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through Equifax twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: FISERV INC.
State: HI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XXXX XXXX, 2021, the day I received my XXXX. Ive been trying to activate my XXXX from my current CELL phone. I do not have a landline as I did in the past. So, I asked my neighbor for help. He used his landline to call this number : XXXX. The automated recording says, It do not recognize my number. 
So, I tried calling from my CELL number & received the same automated answer of not recognizing my number. I do not have access to a computer or Own a XXXX. 
My neighbor used his XXXX  to go online & create an account for me. Following their website steps to create an account. 
I was able to create a ID, PW, input the card number & etc, created my Two Security Questions/Answers. My correct name & address did pop up ... When I got to the final step, I keep on getting this message ( err : sever error ). I have attempted to see what the issue might have been. Without success on my uncountable attempts!!! 
To begin with, their system is POORLY designed! The caller SHOULD be able to REACH A PERSON! IF NOT? Then the automated system should ALLOW OTHER OPTIONS : ( Ex : ask for DOB, Last 4 numbers of SS, updated address, or phone number in order to recognize the legitimate person that received this card instead of using only ONE security option, which is the device someone is calling from! ) It have been EXHAUSTING for me & such a WASTE of MY VALUABLE TIME to resolve this issue!!! 
Im NOT a complainer, however, I feel this situation have been a VALID reason to make a complaint about! Not only for the sake of myself, I feel I will be helping others as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Venmo account. I transferred {$100.00} to my niece XXXX XXXX onto her Venmo card but after trying for several days to access the funds, she got frustrated and asked Venmo to return the funds to me. 
I requested Venmo to return my funds but they are saying they need access to her username something that I do not have since its her personal information. I can easily access her details on the XXXX app while on the Venmo App. by simply typing in her name. How is it that I can access her details and they can't?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: NJ
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 collection of merely ( {$1000.00} ) on my Equifax Account. I sent certified mails twice to Collection Agency which is XXXX XXXX XXXX to validate my debt. I have received no response. Also I spoke to XXXX from their company and send her email twice to validate my debt. No response. I have sent Equifax all the proofs of failure of collection agency to validate debt at their end. Still they are not removing inacurrate information from my cerdit file. I have sent equifax 4 times disputing the inaccurate information. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Security National Automotive Acceptance
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: Account status incorrect

Complaint:
In XXXX of XXXX, my husband and I were checking our score due to needing to find another vehicle. We noticed an account with Security National ( SNAAC ) was considered CLOSED and showing no payments for all of XXXX were made at all. This is inaccurate as we have proof of payment history and the account is very much still open. My husband was XXXX during a time the vehicle was repoed for non payment in XXXX, but we fully paid the amounts own for those months in XXXX of XXXX. I called SNAAC and they said that regardless if were in good standings with them, they cant go back and show its still active/open. I called XXXX in XXXX of XXXX and filed a dispute. They came back reporting that SNAAC will not fix the issue and that they said weve made one payment in XX/XX/XXXX and never fixed the year of XXXX. I spoke with a supervisor of SNAAC today, XXXX XXXX, and he said there was not much he could do and that they will not show the status as active/open. This is TRULY hurting my credit score and I dont feel they are treating us fairly. I feel as if we shouldnt have to pay for a loan if its not going to help our credit score and they need to pay for the detrimental damage they have caused to myself, my husband, and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased this card on XX/XX/XXXX as a gift to a friend, I traveled to XXXX XXXX but forgot the card at home accidentally. I returned to XXXX XXXX and gave it to my friend only to find out when he went to use it that someone had used it on XX/XX/XXXX unknown to myself or him. 

I sent a fax on XX/XX/XXXX as well as an email XX/XX/XXXX to BNH about this matter with all documentation I have also attached that as well to this complaint. It took another email to let them know that if I didn't get some kind of a response I would report them to a government authority. 

Today I received a letter from them that they are not going to honor a product they sell, because of some 60 calendar days? I paid {$300.00} for a card that I or my friend never got to use. If they would have told me I was just donating this card to a fraud level I surely would not have bought one of theirs!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: VA
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:
See document attached

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 2020-11-24
Company: ID Analytics, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CBC Companies, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXX/XX/XXXX, XXXXXX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX All other addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: ID Analytics, Inc.
State: GA
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 been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
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 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX   {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX   {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}

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 explanation
Consumer complaint received 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with Capital One causing my credit report to reflect my account being 3 payments late and a drop in my credit score.

Company response to consumer: Closed with explanation