BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I am writing a complaint against Experian. They will not investigate nor correct the problems that I requested over 30 days ago. 

The case number is XXXX. The last time I requested a review on this problem occurred Wednesday XXXX XXXX, XXXX at XXXX. I also called them in reference to this on XXXX XXXX, XXXX at XXXX pm. Unfortunately, the customer service investigator hung up on me and never review the case. My request to have the two below companies investigated and dropped from my credit report. 

The case number XXXX was about two problems that I feel need to be dropped. The first one was on XXXX XXXX XXXX. On XXXX XXXX, XXXX they tried to take me to court to collect a debt of {$770.00}. I sent in a rebuttal to this company telling them that I never had any dealings with you. Therefore, they are not my creditor. I also stated that they had no personal information on me in-order to stake a claim for money that I supposedly owed them. In return, they did n't come to court. Therefore, on XXXX XXXX, XXXX the case was dismissed. The docket number was XXXX. This case was submitted to the XXXX XXXX XXXX New Jersey XXXX XXXX - XXXX XXXX. It continues reporting on my credit report as money owed to them as of XXXX/XXXX/XXXX. 

Also, I requested that XXXX XXXX XXXX also be investigated because I never received any papers saying that I was late and owed them the amount of {$710.00}. This company is still reporting on my account as derogatory as of XXXX/XXXX/XXXX. I wanted Experian to investigate and possible give the appropriate findings on this account as well. 

Your consideration will be greatly appreciated. My phone numbers are XXXX or XXXX. My email is XXXXXXXXXXXX. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-08
Company: EQUIFAX, 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:
Equifax won't allow disputes on the website and will not respond to mail. Reporting inaccurate and fraud information after being disputed. The last dispute I sent to Equifax via CFPB they responded by saying the account was not on my report after I attached the statement. Their reason was the name of the account did not match. Three days after I receive the response, I get a notification from XXXX XXXX saying I have updated information. Equifax closed my dispute as invalid and then proceeded to update the account to the correct name. They also continue to repost or refuse to remove invalid accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this complaint letter in reference of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX XXXX XXXX  has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX  has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After checking my records, it appears that XXXX XXXX XXXX, XXXX. 
doubled me using my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this complaint to TRANSUNION I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MO
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: Problem getting your free annual credit report

Complaint:
XXXX and Experian are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via www.annualcreditreport.com

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 2020-09-19
Company: FinCo Services Inc DBA Current
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received my unemployment back pay in XXXX ofXX/XX/2020 and right away my account was hacked and I disputed the charges and then I was a victim of identity theft and every dime I had was transferred to someone else account and I disputed the transfer and then I was told that I would have to wait until 90 days to see if I could even get my money back even though I did file charges and now even though I have emailed them several times I can't get them to update my phone number so that I can log in to the app and it is very frustrated I have become XXXX  amongst other things because of this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my qritten instructions.

15 USC 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 2022-02-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have macys credit card and one day I found in the mail that my account got closed, they didnt notify me or even mention any reason for that decision.

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 2019-02-09
Company: EQUIFAX, 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:
XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IVE DISPUTE THE ACCOUNT # XXXX XXXX XXXX XXXX XXXX. THAT WAS OPEN IN XXXX XXXX. THE CAR WAS TO BE SELF SURRENDER, NO REPO. SINCE THE CAR HAS BEEN XXXX, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. IM REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. IM SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO IM REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good Afternoon. I am reaching out to you in hopes that my situation gets attention and that I can receive help. On Monday XX/XX/2020 I shipped a computer system for {$1600.00} to someone in Oregon. this person made me believe that he had paid me thru XXXX in order for me to ship the Computer. But this was not the case. I never received any funds and instead the same user posted himself as a XXXX representative. Later on, the that same night I received a fake email from XXXX stating that I had to wait until the parcel was delivered before I could receive the funds. ( {$1600.00} ). On Friday XX/XX/2020 The buyer received the computer, and I received a notification from the same Fake XXXX. Stating that my account had a limited and that the buyer had to send me the amount of {$3000.00} in order for my account to expand. Moments later I received a text from the buyer regarding the {$3000.00}. He agreed the send these in order to expand my account. when he did I received a notification in regards to those {$3000.00} stating that I had to send the buyer their {$3000.00} back via any other platform except XXXX. At this point I'm just thinking of doing the right thing and I send her {$2500.00} from my bank of America Account and {$500.00} from my XXXX XXXX Savings account. via XXXX. as soon as I did I was expecting " XXXX '' to deposit the sum of {$4700.00} that they stated was going to be credited in to my account = {$1600.00} from the computer, {$100.00} XXXX service fee and {$3000.00} that the sender supposedly had sent. When logging in to my XXXX account. these funds where nowhere to be seen. so i contacted XXXX thru the original app and they responded confirming that the XXXX that has been supposedly claiming to be XXXX was a fake account. at this point I got really upset and did not know what to do when I realized that I had lost {$3000.00} worth of saving and my computer. 
I decided to call my banks on XX/XX/2020 to see if they could reverse the transactions. They agreed to take my claim but stated that there is no guaranteed that I will receive my funds back. I really broke me the thought of not getting those funds and specially during this Covid-19 situation. I tried calling the buyer but the line appears to be disconnected. If you need a copy of any of this, I have all of this available.

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 2020-08-15
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2020 I submitted to CFPB Equifax had decreased my credit score 29 points for a credit card increase of {$3.00}. XX/XX/2020 Equifax corrected the error and increased my score 36 points. Today XX/XX/XXXX, they decreased my credit score 11 points for a charge on XXXX XXXX for an increase of {$45.00}. I am not using my credit card.I am increasing in my credit scores with XXXX and XXXX  but not Equifax due to bogus reporting. Attached is the XXXX XXXX transactions since XX/XX/2020. The only transactions are 2 payments. The card has not been used. Payment of {$5.00} and {$60.00}. They continue to decrease my score without validation. Who the XXXX runs this place. It's impossible to get a live person on the phone. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX PROFESSIONAL COLLECTIon {$340.00} XX/XX/XXXX PROFESSIONAL COLLECTION {$400.00} I have sent letters to the credit companies and to the collections companies have spoken to the companies not actions has been taken

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 2021-01-29
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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute number : XXXX This bank 's online system does not let me attach any documents. This bank 's fax number does not work. Attached are supporting documents. 

Two items in concern were returned to XXXX. Crooked XXXX is not willing to refund me my money. 

XXXX ) XXXX XXXX : This item was returned at the XXXX store. The XXXX store provided me with a return receipt. The return receipt is attached with this message. You will find the tracking details in the return receipt for this item. 

XXXX ) XXXX : This item was picked up from my house. The tracking number for this return is 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 monetary relief
Consumer complaint received 2018-07-26
Company: Stuart-Lippman and Associates, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company that I have never heard of named Stuart-Lippman and Associates , Inc stating that I owed an amount of money to a company that I also have never heard of, named XXXX XXXX XXXX XXXX. This was XX/XX/2018. I called them immediately and found out it was a debt collection agency based out of Arizona. They were very adamant with receiving payment and did not provide me with clear information as to why I owed the amount. Also indicating that it would affect my credit report if I did not pay. After the back and forth they agreed to send me more information which I then informed them that my lawyer will be happy to receive it. A few weeks go by and I still have not received anything until a full month later, XX/XX/2018. They send another letter identical to the first one. It was not the information that I was told I would receive. I am now speaking to my lawyer anyway and of course reporting it to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: General Motors Financial Company, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Car loan was re-financed with XXXX XXXX and GM financial is still reporting that my account is open with them on credit report. They are also reporting two late payments on my credit report, which they were just moved to the end of the loan. I called twice and still can not get this resolved. It is impacting my credit profile and dropping my credit score. 

Gm financial needs to report to all credit bureau 's that the account is closed, paid in FULL, and they need to update the bureau 's that there were not late payments. If not corrected within 30 days, I will seek legal action.

Company response to consumer: Closed with explanation