BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: UT
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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. 


XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Collections : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Ive previously had a XXXX account and I cant get back into it. I need help accessing my account & I need a new card as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Their investigation did not fix an error on your report

Complaint:
15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Congress makes it clear that a consumer has a right to privacy. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I DID NOT GIVE ANY WRITTEN INSTRUCTION TO PUT THIS ON MY CONSUMER 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 2021-08-17
Company: EQUIFAX, 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:
On XX/XX/2021 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 30days gives a reason to immediately remove those items from 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Gm Financial failed to report to the credit bureau for over 6 months, then when they did, they inaccurately reported me 30 days late on 2 separate occurrences. They refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a transfer to one of my suppliers in XXXX. my bank XXXX  XXXX   sent the funds to hsbc XXXX XXXX. using hsbc usa as the intermediary. hsbc usa has not release the funds not have they answered multiple attempts to locate or recall the transfer. it was sent the XXXX of XXXX and I still do not have any information. My bank and myself have tried multiple times by email and phone to get information on this transfer and we have not gotten a response in over 20 days. After the transfer in question i sent another transfer the day after and it went through correctly. So my transfer information is correct. to recap. we sent one that was held and sent another the following day that went through successfully. they have the exact same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 collection account was removed from my credit report from XXXX XXXX. My credit score should have increased by at least 23 points. However, my credit score decrease by 8 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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:
Identity theft has allowed someone to open several fraudulent accounts that have went to collections. This unfortunate circumstance has effected my life in more ways than one. This needs to be removed from my credit report within 7 days.

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 2021-05-09
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a Court Summons right after I submitted a letter requesting validation, so they didn't give me XXXX days to request validation. They took legal action. They are saying they received a blank letter but I have proof of the letter I sent, and all were sent certified mail return receipt ( As you can see in the attachement ) The letters has blank pages between them to separate the information. 
This company sent me validation for a debt that is not mine. The bill of sale is not under the name of this company, as you can see is under another name, my name or signature is not there either anywhere!!, and the INCREDIBLE THING is that this bill of sale that was used to summon me to court was made and signed a year before the account they claiming I owe, was even opened. It is impossible that a Bank sold an account to a collector a year before the account was even opened with the bank. This company is falsifying documents to claim I owe them money. How is it possible you summoned me to court with a document like this? 
Attached is the proof of some documents they sent me with the bill of sales under another 's company name and was signed in XXXX XXXX!! 
I want this company to cancel that summons immediately and stop collecting a debt they don't own and I don't owe to them. Otherwise, I will submit proof that I don't owe this debt and will put my case with a lawyer to demonstrate you are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received the letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX regarding my current Creditor CACH , LLC in the amount of $ XXXX never have creditor CACH LLC, and the balance was a charge off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Springer Collections Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted company to inform them I do not owe a debt to them on or around XX/XX/XXXX. I was told debt is with an attorney and needed to speak with XXXX. I then was redirected to someones voicemail who I then left a message for. I did not hear back from them. I sent a dispute with XXXX  on it around XX/XX/XXXX. I received a response on XX/XX/XXXX that the account has been updated with no noticeable changes afterward. I have a court decision and order I submitted that dismisses this and to be expunged because it is mine, XXXX   ignored this documentation. I have uploaded it again, XX/XX/XXXX. This debt that is not mine and is unfairly hindering my loan opportunities. I wish for this to be resolved quickly and deleted from XXXX and XXXX  credit bureaus. XXXX  rightfully deleted the debt when I submitted the court documentation back in XXXX of XXXX. I do not owe Springer Collections or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
JPMorgan Chase Bank, N.A. has denied me access to my online Chase Bank account, they have refused to assist me with unlocking it, or whom I need to speak with in resolving this " error '' please call us to help you unlock your account. Sunday through Saturday from XXXX to XXXX Central Standard time I call them repeatedly, I have gone into Chase Bank Branches, I have contacted their Executive Office from their number which I retrieved off a past complaint filed against them through the CFPB. 

Chase Bank has me in a negatively financial impacting status, I don't know where my money is going, I am unable to dispute charges, and even if I could dispute charges, I can not view the account transaction history, nor view statements, nor send them messages on the secure message center feature, and this has gone on for months. 

My next step, is seeing Chase Bank in a criminal district court of XXXX XXXX, TX, and pursuing them at all cost.. This is uncalled for, and although the Fraud Department is the department I was always told to call, and speak with, they too said they are unable to help. So Am I supposed to be in negative deficiency of debt, and a negative balance of which I do not know what's going on, whose making transactions, or what I could possibly to do to put a halt to this. I have my income taxes, stimulus, federal benefits, employment income from my State Agency Office Job, and my campaign election funds are also managed within my online Chase Bank Account in a separate account, and now I am locked out of accessing them to proceed with my campaign for XXXX XXXX in XXXX XXXX, TX-State XXXX of Texas. The XXXX XXXX is the XXXX XXXX, and XXXX, and overall head authority in charge for overseeing the XXXX XXXX of our XXXX XXXX XXXX XXXX XXXX Texas. 

This has gone to far. 

Not to mention, I have my other deposits from other sources, IRS, refunds I am owed from accounts I was able to dispute without having access to my Chase Bank account, and the list continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX, prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from Equifax '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: LA
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:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, XXXX and EQ has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # 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 explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived at these addresses. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2021-08-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Due to being sick with XXXX XXXX I was unable to make XX/XX/2021 credit card payment to ADS/COMENITY/XXXX, resulting in 30 day late being added to my credit report. Once I was better and able to make payment, XX/XX/2021 the account was paid in full. 

I disputed the 30 day late and explained the XXXX XXXX situation, however, ADS/COMENITY/XXXX, refused to remove it. I have never been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation