BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-25
Company: EQUIFAX, INC.
State: IN
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 had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been dwelling abroad for a business most of my life since the year 2010. 
Suddenly I have a collection letter from the company named " Convergent. '' And I have been trying to contacting the number of the creditor XXXX  they provided, and whenever I successfully got contacted, all of them could not find any debt in my name.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 credit acceptance, 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 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 purpose

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have an inquiry on my credit report that I did not apply for on XX/XX/XXXX by XXXX ; The credit bureaus can not validate it and I already sent letters requiring to remove the inquiry but it hasn't been done yet. 
Negative account - XXXX XXXX XXXX XX/XX/XXXX Charge off - Holiday XXXX XXXX Vacations- 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 non-monetary relief
Consumer complaint received 2020-04-24
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:
On several occasions I have filed a dispute with Equifax. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like Equifax claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with Equifax over an auto loan with XXXX from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which XXXX XXXX was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made XXXX aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed XXXX from my credit report after their investigation. But after 3 attempts to dispute it on Equifax they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

Equifax caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of XXXX from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: OH
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 BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2017-09-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my XXXX Experian and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-12-02
Company: EQUIFAX, 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:
There is a student loan on my account. I did not attend XXXX XXXX XXXX. I should not have this debt on my credit report. There is a loan amount of XXXX on my credit report date of disbursement XXXX, XXXX XXXX and XXXX, XXXX XXXX. I have tried to dispute this matter but have been forced to pay and threatened that if I do not pay my wages would be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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 sent letters to the companies and I received no reply back, I also disputed the matter directly with the Checking account reporting agency ChexSystems and nothing has changed. 

Date of Closure : XX/XX/2017 Closure Status : UNPAID Closure Status Date : XX/XX/2017

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 2022-04-26
Company: EQUIFAX, INC.
State: AZ
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:
Ive been able to access my Equifax account in the past without any issues whatsoever, even changing the password never had an issue. Today I tried to logon and was told my info was incorrect, I knew this was not the case but went to register for a new account anyway. When I tried registering it said that I already had an account, when I tried resetting the password it said no account exists. Then I was told I needed to mail in information to verify my account. I asked if there was a way to fax or email and was told that snail mail was the only option. Im being inconvenienced because of their lack of security measures and should not need to send in anything for verification when its not my fault my account is locked but rather their incompetent and inefficient security measures. The representatives were rude. I spoke with XXXX ( XXXX ) and a manager name XXXX XXXX ( XXXX ) thus took place today XX/XX/2022 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: PA
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 # ending in 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.

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 purpose SHOW LESS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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 sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX XXXXXXXX Balance : -

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 2022-04-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made 2 XXXX transactions from my Chase checking account, XXXX payment of {$2000.00} ( XXXX ) and another of {$500.00} ( XXXX ) totaling {$2500.00} to XXXX XXXX XXXX ( XXXX ) as up front payment for the construction of a commissioned bathroom vanity. I purport that XXXX falsified his ability to deliver the project, did not deliver any product, and has stolen the funds. I would like to recover these XXXX transactions. 

On XX/XX/XXXX I opened a case with Chase reporting this fraud. Chase immediately closed the case and told me that they would open a case with XXXX. They also told me to submit evidence via fax to XXXX which I did. When I called Chase again to check on the status of the case, they told me that there is no actual way to submit evidence since that number is for Chase and not for XXXX. Chase has denied responsibility for resolving this issue. XXXX also defers responsibility of this issue onto the bank and does not respond to communications. Meanwhile, XXXX is also partially owned by Chase and they are all providing no way for consumers to receive any remediation for rampant fraud that utilizes this product. 

Upon further research, XXXX is a thinly veiled third party product integrated in banking apps. It provides unclear resolutions for consumer transactions which I suspect may be in violation of Regulation E. Having no means of fraud resolution for an " easy '' payment service is harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
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:
I have an inquiry on my credit report that I did not apply for on XX/XX/XXXX by XXXX ; The credit bureaus can not validate it and I already sent letters requiring to remove the inquiry but it hasn't been done yet. 
Negative account - XXXX XXXX XXXX XX/XX/XXXX Charge off - Holiday XXXX XXXX Vacations- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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 is reporting information on my credit report that I do not have knowledge of. I have asked Equifax on the following dates the questions below. 
XX/XX/2021 XX/XX/2021 Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The companies below and your company DID NOT notify me 5 days before placing these accounts on my credit report which os a clear violation of my rights under the FCRA. Please remove these accounts immediately. Please provide all of the information below for all of the accounts I listed above. 

What is the date of first delinquency? 
What is the date of last payment? 
How was this account verified with my full legal name, date of birth, and social security number? 
What is the address on file with the account? 
What is the phone number of the company providing the information to your company? 
What is the address of the company providing information to your company? 
What is the date of the original contract when the account was opened? 
Was the information sent to your company by electronic mail, facsimile, XXXX, USPS, XXXX, XXXX, or another secure method? 
What is the name of the person that is providing information to your company? Is it someone from the company or a third party? 
Please provide a clear copy of a contract for each account showing my name, address, and signature. If your company can not provide all of the information I am requesting, please remove the accounts from my credit report immediately. 

Equifax never answered any of my questions and none of these companies sent me a letter in reference to the accounts they reported to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my Equifax, XXXX and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 In accordance with the Fair Credit XXXX XXXX Account # XXXX is violating 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.

15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.

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 2022-01-10
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: OR
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:
I have sent multiple letters and have made numerous phone calls regarding the collection item from XXXX XXXX XXXX XXXX. acct # : XXXX  that appears on my Equifax credit report. I have documentation from the collection agency and phone call verification stating that they have requested Equifax to remove the collection from my report as it is and has been paid in full for sometime. To this date, Equifax has not been in compliance as the collection item still appears on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation