BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: EQUIFAX, 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 {$0.00}, {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of Equifax on 04/09/2023. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter.

Below, I have provided the details of the inaccurate information on my credit report, along with the required corrections : 1. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX 2. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX 3. Unauthorized Inquiry Company Name : XXXX  Date of Inquiry : XX/XX/XXXX 4. Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XXXX XXXX There was a new account ( XXXX XXXX XXXX XXXX ) reported to all three bureaus I have no recollection of this account opening and reporting as a Personal account. acoount has been closed with XXXX XXXX and I would like to have account removed completely off report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Address ' on credit report are wrong and need to be deleted XXXX XXXX NV XXXX XXXX XXXX NV XXXX Correct address ' XXXX OH XXXX XXXX XXXX, TX 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 2020-09-10
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
This card is issued to me as a secure way for child support to be deposited onto a debit card for the state of Wisconsin. For reasons unknown, the card is no longer working and is declining despite their being money in the account and available on the card. When I called into the customer service number, and enter my card information - an automated system states the following " You have an important message '' and transfers me to EPPICard Customer Service. I have not recieved any sort of email, letter mail, or correspondence from this company in regards to the " important message. '' I have tried calling into this agency numerous times and can never get through. Today, I was on hold for two and a half hours and was finally transferred to a representative who answered and then disconnected the call. It is important to note that I had the phone to my ear and was at home therefore cell phone service was not an issue. I have been trying to  make contact with this company for over a month now and to no avail therefore I am not receiving my child support. I am at my wits end and can not get through to a person to speak to in regards to the issues I am having with this debit card. I don't know what else a person is supposed to do to attempt to make contact with a company about the issues or how long my child has to go without the support that he needs. This company is a scam and is taking advantage of the states that choose to use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have challenged Transunion, XXXX and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.

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 2023-07-10
Company: EQUIFAX, INC.
State: TN
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:
N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/2019 transactions all XX/XX/2019 credits total {$470.00} ARE REVERSED See attached XX/XX/2019 STATEMENT XX/XX/2019 ( NEW ADDITIONAL CHARGES OF {$470.00}. ) WHY?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinance my used vehicle loan through NFCU. Around XX/XX/2021 I requested form XXXX from the banking institution regarding all statements of accounts, in order for me to file my taxes correctly on the used vehicle loan assessment, in which I was told, management would get back with me regarding that, because the current staff was unaware, but I never received any notice regarding what I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: SC
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 file an FTC Report XXXX # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You are about to hear the craziest story. NewRez LLC NMLS # XXXX automatically put me on covid assistance when I didn't ask to be put on it. I found this out in XX/XX/2020 when they didn't take automatic payment that has been set up since the beginning of my loan. In XXXX I noticed my payment was not taken out of my back account and called and questioned why it was not taken out. At that time they told me that they enrolled everyone in this program which I questioned and asked if that was legal. I told them that i didn't ask to be signed up for this program and to remove me right away and put my regular status back on Let 's fast forward two months later. I was out of town and just got back and had letters in my mailbox that i was delinquent on my payments and they reported me to the credit bureau. I called and quested this and once again was given an excuse to why it happened. They gave me some excuse and told me they forgot to turn back on my autopay. I feel like this company is trying to report me and raise my rate for being delinquent or trying to foreclose my house. When I called, they once again made it seem like it was my fault. Its seems like this is highly illegal for someone to sign me up in a program that I never asked to be put into. Then they mess up my payment structure and hold me accountable. I asked for them to send me a letter or email explaining what they did because I don't want to mess up my credit and they said they would but I never received it. I would love your help. This company has been nothing but shady since they purchased my load. THese types of companies should not be allowed to purchase loans. Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe them any money I have no idea who this company is. I have never went through this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: VA
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 am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged student loan servicer Navient and customer service was horrible. They are robbing, badgering my credit with no explanation on an erroneous alleged closed 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 2015-10-08
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with Cashcall in 2013 I was later laid off from my job and tried working with Cashcall but they would not work with me. I am now gainfully employed and have contacted all creditors to payoff everyone and make payment arrangements. Cashcall stated they would call back because of the length of time. Weeks later I get a call from an attorney claiming to represent Cashcall, XXXX XXXX XXXX, stating I could make arrangements with his office. My {$2600.00} loan which I made I believe 6 six {$300.00} payments was still at {$2600.00} and due to interest still being charged U owed {$9800.00}. when I stated that was way too much money and I could not afford this, I was told they would seek a judgment and garnish my wages. I am more than willing to payoff a debt that I owe, however the amount being sought after is excessive and I am unable to pay. This should be illegal especially when I contacted them to repay. I had not received any collection efforts from them in over 18 months until I called them

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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 received a copy of my Experian credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was published by XXXX XXXX. I sent a letter to Experian disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX District of Ga dated XX/XX/XXXX confirming that they do not report to a credit reporting agency. I received an email from Experian on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I respectfully ask for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX DOB- XX/XX/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 2018-09-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am fairly new to the wire transfer business. 

I am using an online bank XXXX. I set up a MoneyGram and they rejected my banking information and accepted the debit Visa card as payment for {$250.00}. While with the bank account would have cost {$10.00}. By using the debit card it cost me {$25.00}. 

They processed the wire with the debit card. I contacted the bank and asked why there was a problem and they stated that certain merchants don recognize the bank. 

I filed a complaint because it cost me an additional {$15.00} and I wanted a refund, after all it was the same bank. 

Then I received an email that my transaction was cancelled. And I call and they refused to tell me the reason. 

Now they are holding my money for 3-10 business days and this is unacceptable since I wired the funds to settle a debt and now that person is left hanging and I do not have additional funds to send the money through another means. They should have disclosed this information before I processed the payment. 

Stating that it is a security issue is evasive because it is a small amount of money. There is no reason for them to cancel the payment or close my account with no further explanation or immediately returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BEST BUY CREDIT CARD WAS A FRAUD MY SOCIAL SECURITY NUMBER AND PERSONAL INFORMATION WAS USED WITHOUT MY CONSENT.I WAS NOT LIVING IN THE TEXAS, I REPORTED THE FRAUD TO BEST BUY AND THEY NEVER RESOLVED THE PROBLEM AND THE ACCOUNT WAS SENT TO COLLECTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, 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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: MI
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT ED/XXXX XXXX {$27000.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief