BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: OH
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 have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX  # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Exeter Finance Corp.
State: KY
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:
as I checked my credit report, I noticed some of inaccuracy with the late payments and this is completely an FCDA false reporting Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}

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 2021-05-03
Company: Experian Information Solutions Inc.
State: FL
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 recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.

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 2021-05-03
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:
EQUIFAX was notified by mail and fax on XX/XX/XXXX - of IDENTIFY THEFT AND FRAUD activity. EQUIFAX violated FCRA regulations and my rights as a consumer. I was told they needed more information to close an account that was opened while an active ID theft alert is on my credit report. Equifax stated my original documents ( police report ) were deleted. 

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company XXXX XXXX was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX XXXX. & XXXX XXXX ) which states that this account must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: OH
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 have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX   XXXX  # XXXX XXXX/XXXX # XXXX XXXX   XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX-XXXX  system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.

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 2021-04-22
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:
The bankruptcy has reached a statute of limitations and should have been removed and delete it from my report. They responded with a latest time that they had verified the item through XXXX they could not confirm this. If they can not reveal how they truly verify this item then they need to delete and remove this account.If its not 100 % accurate then it must be removed and delete it from my credit report. If it is not 100 % accurate then it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX  is reporting late payment into my credit reports falsely, we have made an arrangements to have the account paid into this promotion for XX/XX/2020 for {$220.00} XX/XX/2020 and XX/XX/2020. each month as special deal. but the corporation fail to update that into the system reflecting my account late and with overdue payment as default on their system. 

I have made payments as arranged, XXXX Paid, as well XXXX, XXXX payment coming soon, I see all-ready late fees applied to the account for all this month and as well reported late on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I booked a one night stay through XXXX  with my cash app card. When I got to the hotel they had no rooms available. XXXX did not refund the {$66.00} I spent in for the room. 

I had to wait till the transaction actually posted or completed to file a dispute and now on XX/XX/XXXX cash app is talking about they don't have enough info. They want me to contact the merchant to obtain something in writing from them. I have refused as I thought this was there job as part of the dispute process. And they have not returned my funds either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Certegy Holdings, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Certegy is a company that authorizes transactions when a retailer accepts a personal check as payment from a customer. Certegy informed me on or about XX/XX/XXXX that 23 checks written in my name to several retail establishments in my local area. The checks were verified based on my driver 's license number. I did not write these checks, so somehow someone had gotten a copy of my driver 's license. Certegy provided me with the name of bank that the checks were supposedly written from. I do not have an account at that bank. I called the bank and they told me that the account number on the check did not exist, so the checks were fraudulent. I filed a report with my local police avidavid department. Now Certegy has required that I submit an affidavit containing personally identifiable information to prove the checks are fraudulent. Due to my common name I have been a victim of identity theft twice in the last six months, so I will not give up my PII. Because of this Certegy has threatened to hurt my credit rating unless I give them the information. Certegy 's check approval procedures are deficient and I should not be responsible for fixing there mistakes by providing information that may expose me to further identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: I.C. System, Inc.
State: AR
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:
Got letter today from IC System stating I owe XXXX XXXX {$700.00}. I have never had an account with them. If you go back through your files you will see I have filed a complaint about this going back to XXXX. This is the 3rd or 4th debt collection agency that this has been shuffled off to. Each time dispute this I win. I have spoken to XXXX   about this in XX/XX/XXXX speaking to them to send me a copy of a signed contract and copy of my ID proving this. I have the email if you need them proving I spoke to XXXX XXXX. I have proof I lived at XXXX XXXX. XXXX and you can find me under the bankruptcy website showing you the XXXX XXXX address I lived at and there is a news article in the XXXX XXXX XXXX where my apartment was burned. I made the front page. I had an XXXX  satellite at that time of the fire. If this was my debt all I would have had to do is file it under my bankruptcy I filed after my apartment building burned. XXXX never bothered me again until today well the new collection company this debt has been sold to rather. So I am reaching out to your agency again. This is not my debt, please help me out again. Thanks

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 2021-10-15
Company: ONLINE Information Services, 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:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Online Information Services Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX 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 checked 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this account on my credit when I never applied for the card, theres no phone for me to call and see when this account was opened or anything. So therefore someone opened a account in my name and i never knew about it until it came up on my credit. I had no knowledge of this at all or when it was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: AMERICAN EXPRESS COMPANY
State: AR
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:
My card was stolen XX/XX/2019, from a drive thru employee at XXXX XXXX. I noticed that the card was missing on the XXXX when I stopped for gas. I thought it was lost in my car, so I looked for it to no avail. I wasn't worried because no new charges were on my card. The next day, I noticed over {$800.00} in new charges. I immediately called the credit card company and the police. They tracked down the thief and questioned her and told her to turn herself in. She never did. There is an active warrant for her arrest to this day. American Express came back 30 days later stating I was at fault, even after submitting my affidavit as well as all police reports and charges filed. I've since disputed the charges twice more, all of which I'm told I'm a liar and I'm at fault. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05
Company: SLM CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
was denied credit because all my mortgage payments were current / basic being denied for having good credit / but if you look at the wordage in the letter is to confuse the denial letter / when I ask him is a practice to denied XXXX I was quickly transferred to a supervisor and he apologize for the wordage and said he was going to look into the letter and why I was denied / no respond letter as of today /

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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:
I just noticed that there have been several inquires that have been added by someone that has stolen information. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NH
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:
2016 account was closed! I did a voluntary repossession and report says involuntary! Also account has been closed and company ( credit acceptance ) has added {$10000.00} to bill in the last year or two. I tried to settle for a few thousand a couple of years ago! That's when I found out that they had added {$10000.00} to the account that has been closed. And also that they are claiming it to be an involuntary repossession. All three bureaus say different things!

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 2020-06-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, XXXX XXXX have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine. Delete it!! 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX   XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: OK
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:
I've provided enough information for these Equifax to conduct a thorough investigation. XXXX XXXX XXXX that is reporting inaccurate on my credit report since XX/XX/2018 and Equifax are refuse to delete the accounts. I already received letter from XXXX XXXX XXXX that debt was delete from my records, XXXX  and XXXX  has already removed the collection from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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