BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
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:
Experian, XXXX. XXXX  XXXX, XXXX, Texas, XXXX Dispute on XX/XX/2021 Response XX/XX/2021 Report Number : XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: MN
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:
I have made two complaints now, both to Equifax and to the CFPB, stating that I have filed disputes online my the Equifax Dispute Portal, but each dispute is taking longer than 30 days to resolve -- in fact, my disputes are still open and Equifax has not sent me any notification about why these disputes are taking longer than 30 days. Since Equifax is not properly resolving these disputes in the 30 days allotted to them, and they're not communicating with me about why the disputes are taking more than 30 days to resolve, Equifax will not allow me to file any further disputes on inaccurate information contained in my credit file. As a result. I am having to file all my Equifax credit report disputes through the CFPB. When I try to call Equifax, their representatives will ask you the same, poorly and ambiguously phrased verification questions. If I'm able to pass those verification questions, their representatives are foreign and there is a massive language barrier trying to communicate with them. Equifax has made it impossible to do business with them. Every time they respond to my CFPB complaints, it is a scripted, canned response that means absolutely nothing and does absolutely nothing. I don't know what to do. Equifax is not processing my disputes correctly, their phone service is both unbearable and unable to be used with their customer service agents ' language barriers and when they respond to my CFPB, the responses are not personalized -- they are scripted, canned, unhelp and do nothing to resolve the inaccuracies on my Equifax credit report. Obviously sending Equifax complaint after complaint after complaint through the CFPB isn't working, so it would be nice if someone involved in Equifax 's executive office was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2023, I opened checking accounts at Citizens Bank and chose the option not to allow overdraft fees and to decline debit card purchases if funds are not available. 
In XX/XX/2023, Citizens Bank put holds on my debit card purchases and overdraft my checking account in the negative balance of - {$67.00} and my other checking account has a negative balance of - {$49.00}. Citizens Bank is allowing my bank account to overdraft to steal money from me when my accounts are opted out of overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: DE
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 XXXX  XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX-XXXX XXXX  Account # XXXX, XXXX Account 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 2019-01-14
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being trafficked for debt bondage. I do not owe this purported creditor.

XXXX XXXX XXXX  Account # XXXX was reported to XXXX as being a mortgage. XXXX XXXX XXXX  also reports it is a Real Estate Type of account and the account was transferred to another lender or claim purchased.

Require XXXX XXXX XXXX to provide the loan documents involved in this account which was opened XX/XX/2005. Include the information regarding the purported construction loan attached to this account and the transfer to another lender or claim purchased. State specifically who it transferred this debt to ( name the lender ) or the party that purchased the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i have a few negative remarks from my creditor during a time i was going through financial hardship. I was struggling to make monthly payments several time due to family problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my apartment that I lived in for XXXX XXXX  always paid rent on time and in full. 
After I moved out I checked the dashboard on their website and noticed that it me owing {$830.00} I called the manager at XXXX XXXX XXXX XXXX to verify thats going on and told it was a mistake and that the accountant would correct it. XXXX XXXX  latter I get a letter from a collections agency for the amount. I do not owe this money or was notified that I owe this debt. And in fact they owe me my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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:
EQUIFAX, I did not authorize the following companies to run my credit in XX/XX/2022. I have requested the inquiries items be removed from my credit. Please have the following inquires removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Their investigation did not fix an error on your report

Complaint:
Experian is incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2023-03-26
Company: EQUIFAX, 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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Good afternoon after 2 months trying to reach a payment arrangement with ally finance which during that time every time I called nobody gave me an answer every person said something different and I explained that I had lost my job but did not want to lose car that they would give me some time they would say that if I could get some money they could make me the payment arrangement which I found difficult because I did not have money finally they lent me XXXX and I paid them for a stay for three months which today came a letter and They only gave me a month because in that call I was mistreated for not speaking English  the person who attended me on XX/XX/2019 who made the payment arrangement told me that he will pay English classes and after I learned I made the payment arrangement I desperate I went out and I got a person who will translate me and make me repeat every word in English for me I was discriminated and now I only have one month to pay which were three m This is how I will not be able to lose the car now I ask where are the human rights I asked to speak  with a boss and nobody passed the call simply because I am XXXX and spoke XXXX  thanks for listening to me this started in XX/XX/2019 and it didn't end yet

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 
The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello, As you can see on the attached documents you have wrong and inconsistent information on my credit report. You are reporting inaccurate information. As you can see in the two attachments the closed date is incorrect for my XXXX # XXXX. This account was closed in XXXX of 2016, first date of delinquency was XX/XX/2016. You have this account as closed and Charge off starting XXXX of 2016. This account should have fallen off of my report just like in the other two bureaus. Please update and fix all 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 2019-01-14
Company: Creditors Service Bureau Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection letter from Creditors Service Bureau regarding alleged debt, have previously been contacted by CSB regarding debts with no verification of debt, asked repeatedly to not be contacted by them & to remove all debts they have listed against me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day, a couple of times a day since the date listed on the notification letter, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: SANTANDER HOLDINGS USA, 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: Public record information inaccurate

Complaint:
A child support debt is reporting on my credit profile that is hindering my approval odds and I did contact them to ask that it be removed the fact they committed fraud, nor had jurisdiction for a signature to enforce these terms of the debt... I never agreed to the terms or had the right to due process in judicial court! No judge has signed off to make it fair dealing with the circumstance under commercial code 15 USC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: TN
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:
I have disputed this inaccurate information to XXXX XXXX  XXXX. With all three bureaus XXXX, Equifax and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. XXXX XXXX XXXX have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: CO
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 2023-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX, XXXX continues to report incorrect personal 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 explanation
Consumer complaint received 2021-06-28
Company: SYNCHRONY FINANCIAL
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2023-04-07
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 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 2017-09-24
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter in mid XX/XX/XXXX ( Dated XX/XX/XXXX ) from a debt collection comapny named I.C. System Inc ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that I owed {$100.00} to from a debt owed to XXXX. I have never had XXXX service for anything ( phone, internet, tv ). I had when I was originally buying my new home in Maryland ( I signed the paperwork in XX/XX/XXXX, however I did not move into it until XX/XX/XXXXas I was on military orders in FL until XX/XX/XXXX ) looked into getting XXXX service, and provided XXXX some basic information in order to get pricing infomration for my area. I however went with XXXX XXXX service rather than XXXX and never had XXXX service hooked up. At one point several months after having moved into my new home ( possibly XX/XX/XXXX timeframe ) recieved a bill from XXXX. I called XXXX and was able to talk to a customer service representative who confirmed that I never utilized the service and removed my account from their system. I believed at the time that this had resolved the issue, until I recieved the letter from I.C.  System. I immediately called I.C. System to attempt to resolve the issue. Their customer service represntative told me that the collection account would be placed in a disputed status and that I would have to send in proof to show that I did not have any XXXX services at my home. I did this ( original documents sent to I.C. Systems are included as an atttachment to this complaint - updated to show that I have continued to utilize the same services ) and did not hear anything back from either XXXX, nor I.C. Systems so I considered the issue resolved once again. That was until I saw my credit score drop drastically last month and was very concerned about this especially due to the recent XXXX leaks, as well as the fact that I am in the XXXX and XXXX had my information at the time they expeirenced a massive data breach as well. I keep a tight eye on my finances and do not like to have deragotry marks on my record especially when I have attempted twice now to resolve this issue. The proof I provided is substantial as it coverd the entire timeframe that I had been in this new home ( I moved into the home in XX/XX/XXXX ). Prior to that I was on XXXX XXXX XXXX to XXXX FL at XXXX XXXX. I would like to resolve this issue as quickly as possible as I was planning on buying a new car near the end of the year for my wife and the massive hit to my credit report for a debt that I am in no way responsible for is not something that I would like to have on my record. Please let me know if there is anything you need from me in order to expedite this result.

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