BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
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:
Equifax did not provide me a notice at all, especially within 5 days of changing my late payment history I disputed in early this year. My dispute asked them to update all late payments regarding BOTH of my DEPTEDXXXX accounts. They updated all late payments to paid as agreed and then they switched it back to late payments. This is violation of the FCRA. Additionally, XXXX is being shown as a collection that was last reported on XX/XX/2017. This indicates that they did not investigate after I submitted my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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:
Hello, Experian informed CFPB that the entry I am disputing is not on my credit file. It's as if they removed it, yet my on file dispute with them that I downloaded today, XX/XX/2019, states otherwise. It states XXXX XXXX claim is valid when it is not. They may have removed my collections however, my score never improved, and the dispute was never updated to show XXXX XXXX collection account was removed from my credit file. I have an exceptional payment history with the exception of one late payment due to my banks mistake that took over 2months to fix. Yet my credit score is below 600 and I've been paying on time since my accounts were opened over two years ago. There's no reason my score should be that low.

One day, I am going to prove, Experian & XXXX XXXX score not just according to the standards set by law, but by Ethnicity as well. They're scoring is harsh on others while extremely lenient on another.

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 2023-05-17
Company: EQUIFAX, INC.
State: OH
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:
EQUIFAX CONTINUES TO WITHHOLD OR REPORT THE INCORRECT STATUS OF MY CREDIT FILE TO CREDITOR WHO I HAVE AUTHORIZED TO PULL MY CREDIT REPORT FOR CREDIT APPROVALS. EQUIFAX MIS-REPORTING AND OR FAILURE TO RELEASE MY CREDIT FILE TO CREDITORS WHO I HAVE AUTHORIZED HAS CAUSED GREAT INJURY AND SEVERE HARDSHIP UPON MY LIVLYHOOD. EQUIFAX CONTIUES TO DEPRIVE ME OF THE RIGHT TO BENEFIT FROM MY HARD WORK AND GOOD CREDIT STANDING IN VIOLATION OF THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company agreed to settle debt once paid Im full. The original creditor is XXXX. The account was paid in full months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Was not notified of investigation status or results

Complaint:
I submitted the attached to Equifax on XX/XX/10 via certified mail. I have not recieved any response I reviewed my Consumer Reports and noticed that I had payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
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:
Wrong info : fcra violations not mine : Names show XXXX  button Select as many as apply XXXX XXXX Addresses show XXXX  button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX XXXX XXXX XXXX  XXXX TX, XXXX Correct : please correct this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the XXXX, XXXX and TransUnion Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : XXXX : XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$72.00} XXXX XXXX  XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX : XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00}  XXXXT XXXX Balance Owed : {$2200.00} TRANSUNION : XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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 2019-02-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Everytime I get ready to use the card it works then after one purchase it doesn't and I have called numerous times to get it fixed and was assured I would not have a problem but now it doesn't work cause my number is not on a fraud alert but it has been working in the past my number is on my fraud alert but they say it's not I even removed the fraud alert but they still won't unblock my card.

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 2019-10-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Called Navient today and got disturbing news. 
Im currently {$62000.00} in student loan debt, and trying to figure out the best option. I requested a forbearance and got approved on XX/XX/XXXX, which stated that can resume payments on XX/XX/XXXX. I was told today that my forbearance ended on XX/XX/XXXX, and I was not aware of the change. So all of the late charges and derogatory comments landed on my credit report. That makes me wonder if I have been getting charged like this on my previous forbearance request. I recently applied for a personal loan, and it stated the reason for denial wasaccount severely delinquent. I truly believe it was because of this debt that I was misinformed about. I understand that I had to get student loans to complete my accounting degree, but I cant even land a job in the field due to less demand in my area. Its bad enough to have this following you for 10+ years, but to be misinformed is totally unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : EQUIFAX MORTAGE SOLUT. Which is not even connected to an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: IL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: WA
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:
Trying to get time barred acct. removed from Equifax. XXXX XXXX XXXX charge-off in the amount of {$30000.00} Date of last activity is XXXX/XXXX/XXXX. State of Washington Statute of Limitations for this type of debt is 6 years. Both XXXX and XXXX have removed this item in a timely manner, when finally spoke with a human at Equifax in XXXX or some other place they do n't speak or understand XXXX, she said it wo n't be removed till app. XXXX/XXXX/XXXX??? I am trying to refi my home mtg. and this one item is a hold up. She refused to look any further or offer any explanation as to why they did not have to abide by Washington state XXXX as have the other 2 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Old information reappears or never goes away

Complaint:
Experian account number # XXXX My name is XXXX XXXX XXXX complaining about old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have requested address to be removed I do not stay there I have disputed this address before 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 non-monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied to a car dealership ( XXXX XXXX, XXXX, Georgia ), last summer that claims it will not hard pull credit in considering the loan application ... .. " Will not impact your credit score! ". Their website says that even to this day. However after my looking into my credit bureau reports, lo and behold, they hard pulled FOUR inquiries into my Experian credit file by way of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. All 4 inquiries impacts a credit score. I did NOT give them express permission to hard pull my credit at ANY time. They fraudulently, and deceptively, misrepresented themselves. If they advertise that they will not affect your credit by taking an application, and then they do, that is false advertising and damaging. It is an act of fraud.

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 2021-01-15
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A written debt validation letter was sent to Phoenix Recovery Group and it was received by them on XX/XX/2020. I haven't received a response from them with any of the requested information for validation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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:
The listed item is entirely inaccurate and incomplete and represents a very serious error in there reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I believe Amex is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ). 

On XX/XX/2021, I opened a billing dispute ( dispute ref # XXXX ) with American Express regarding a merchant that had processed a charge which I did not recognize, nor from whom did I receive merchandise or services from. American Express is now in possession of ample evidence ( which I reattach as exhibits ) that I have returned the item and am entitled to a refund. I have supplied Amex with a XXXX return tracking confirmation, and 2 separate commentaries from the merchant itself that it has received the item, that a refund is due to me, and, most recently, that its records indicate a refund has been issued. This alleged credit by the merchant has not been posted, and should have appeared by this point. 

In the absence of any evidence that I transacted with this merchant and/or retained the item, or in fact any documentation at all, Amex still refuses to issue a provisional credit for this amount, which, in my view, suggests bias in favor of the merchant during this investigation. There is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IL
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 XXXX5 USC 1681. 

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2018 RE : Request for Removal of Fraud/Security Alert ( s ) Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER placed such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$8500.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$560.00} XXXX APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

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 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
I started disputing the accounts back in XXXX and I have not heard from the the Credit Companies

Company response to consumer: Closed with non-monetary relief