BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute in the first week in XXXX and the sent me an email on XX/XX/2018 saying they had the results. Since that time I have called 3 times and tried to get the results. The link they provided didnt work and when I called the representative said they were having problems with the site and after I gave the confirmation number in the email they said they coffins it. One representative told me they didnt have technicians to fix the problem or for me to speak to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: NV
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:
all three credit bureaus have incorrect information.i am uploading the discrepancies

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 2021-09-02
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On 08/2013 XXXX XXXX XXXX XXXXXXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.

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 2018-06-15
Company: EQUIFAX, INC.
State: IL
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:
Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Friday, XX/XX/XXXX, a process server knocked on my door. She served me with papers saying that I was being sued by XXXX XXXX XXXX The papers said that Midland had purchased my debt from a credit card, and that I owed them {$1000.00}. I paid the credit card company XX/XX/2017. I have the receipt to prove it. The papers said that I needed to file a motion with the court in the next 30 days or I would automatically lose the judgement, and that my wages could be garnished. A copy of my receipt was sent to the court clerk, and I was told that it was being forwarded to the attorney representing Midland. Is it legal for Midland to draw up court papers over a debt that has been paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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: Personal information incorrect

Complaint:
Between credit reports that I have from Equifax dated XX/XX/XXXX and XX/XX/XXXX, Equifax added the numeral 2 as a suffix to my name. I have requested that they remove the numeral 2. I can not get into the web site as they only show valid suffixes as roman numerals, i.e. II. In other words no way to input a 2, using roman numeral does not work. 
I have never had any suffix. Both Equifax and XXXX have no suffix for me. I have provided Equifax copies of drivers license and social security card. still they will not correct what they did in error. 
This is their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
So this is the third time this has happened with bluebird 's American Express card and hundreds of others are experiencing the same problem. You will get notified that you have received a direct deposit from your job into your bank account but for some reason, the bluebird card website goes down and you have no access to those funds whatsoever except the money that was already on it before you received the direct deposit. Customer service informed me and others that this was due to a system update. ( They should not have notified me of my direct deposit if I can't have access to my money. ) On top of all of this, the website is down and you can't check your balance. Also if you try to call the number bluebird provides you on the back of the card, it is automatic and there is no possibility of speaking to a customer service representative or a live person. I and others are considering a class action lawsuit because no institution reserves the right to hold your money like this. The clear explanation of all of this is interest. American Express is involved in financial fraud and is illegally freezing peoples deposits in order to gain from the interest!!! The LAWSUITS ARE COMING!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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: Their investigation did not fix an error on your report

Complaint:
on 3 different occasion i have sent depute letters to XXXX, XXXX and Equifax about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Equifax credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, XXXX XXXX XXXX, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with Equifax, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe XXXX XXXX XXXX any money, nor have I made any payments to them since XXXX. Equifax is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CBC Companies, 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 and XXXX XXXX are not mine sent police report FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: CT
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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : 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 2021-03-05
Company: Auto Trakk, LLC
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN TRYING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SOMETIME NOW AND I HAVE HAD NO HELP OR RESPONSE FROM THE CREDITORS OR CREDIT REPORTING COMPANIES.

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 2018-06-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Elderly woman 's bank account was frozen by Wells Fargo branch in XXXX, NC. Reason given was for non payment to the NC DEPT OF REVENUE in which she was supposed to pay XXXX dollars a month to satisfy a debt owed. I Called the bank and asked what could be done to have the account unfrozen so that the woman could could pay her bills. The representative told me that if she authorized a payment of {$190.00} to the entity owed the money that she then would be able to have access to her account in order to take care of her business. After paying XXXX dollars the bank said that it could take up to 24 hours for the release to occur. That date was Friday, XX/XX/XXXX. On Monday XX/XX/XXXX she went to the bank to withdraw money in order to pay her bills and only XXXX dollars was left in her account out of XXXX dollars. Now this woman has to face eviction and utilities shut off. After further investigation of the matter, it turns out that it was not The Dept of Revenue, but instead a car rental company that said that she owed money for a car rental. The bank charged her XXXX dollars and then gave her money away without her knowledge or authorization. She is now fighting a losing battle with the bank in recovering her money. Could you or someone help this poor woman?

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$3500.00}, {$420.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -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 2019-09-08
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from Experian and also complained with the CFPB about the inaccurate hard inquiry reporting by Experian regarding this inquiry, Experian purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. Experian lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by Experian. Experian not only lied, but did not perform a reasonable investigation into this issue. Experian enabled me to be a victim of identity theft. XXXX XXXX has requested Experian to delete this hard inquiry since XX/XX/XXXX but Experian has yet to comply. Experian needs to immediately remove this hard inquiry by XXXX XXXX from my credit file immediately!

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 2018-02-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I send XXXX dollars to buy a phone of a buy sell app called XXXX and as soon as I send the money I was blocked the person I send it to name was XXXX XXXX well that is what he said his email was XXXX he send pictures of the phone he wanted have up front and the other when I receive the phone he was supposed to mail after he got he the money today but have not heard from him since he has totally blocked me want answer please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from TransUnion and also complained with the CFPB about the inaccurate hard inquiry reporting by TransUnion regarding this inquiry, TransUnion purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. TransUnion lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by TransUnion. TransUnion not only lied, but did not perform a reasonable investigation into this issue. TransUnion enabled me to be a victim of identity theft. XXXX XXXX has requested TransUnion to delete this hard inquiry since XX/XX/XXXX but TransUnion has yet to comply. TransUnion needs to immediately remove this hard inquiry from XXXX XXXX from my credit file immediately!

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 2021-06-06
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: Account information incorrect

Complaint:
I have tried repeatedly this morning for over an hour ( XXXX ) trying to access my TransUnion account to report incorrect and missing information. 

It stated I already 'have an account ' and, to create a new account. I tried several times to do this. 

I have a PIN # ; and, recently had a 'freeze lift ' which has expired. 

If time has elapsed since accessing TransUnion for any service, etc., and, they require 'new ' passwords, etc., then they should contact the user ( me ) and allow me to 'reset ' same on-line and then not allow this OR not create a new on-line account?? 

This company has a very difficult platform to contact via email and, extremely long wait times for telephone contact.

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