BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX and after I have been unable to get my credit report and score from EQUIFAX. XXXX XXXX, XXXX and XXXX XXXX were all unable to pull my EQUIFAX report and score. I found this odd as it was working on the XXXX and before. I was pulling the report to see if an account had been update when I noticed the issue with my EQUIAX report. 

When I called EQUIFAX directly I was originally told there was an issue with their computer system over the weekend and to call back or try the next day. The agent also tried to pull my report on his end and was unable. The next day I called again and was told after reaching a US rep that it may be because I had a fraud alert on my file. The alert was 10 years old and I had never had an issue getting my report or score with it on there. The agent reached out to the backend people and had the alert removed after verifying my info. She told me that was more than likely the issue and to try in 15 minutes or the next day. The next day I tried again and still there were errors with pulling the report. I tried again through XXXX, XXXX XXXX and Equifax directly. I was getting multiple error codes ( Eval Code : - Status Code : FL, Reason Code : TF ) but was being told there was still nothing in my file that would prevent anyone from pulling my report. The agent said he could see my report and could mail me a copy. The call ended with him telling me there was nothing wrong with my file even though I was getting errors from EQUIFAX directly since that is who I was working with. 

We are roughly 3 months from finishing a home build and really needed to be able to access my credit report to see where my report was so there would be no surprises. The lack of care or effort for a company like EQUIFAX to fix this when its such an important part of someones life is completely unacceptable for a company to do and is borderline criminal in the neglect they have for such information. I need EQUIFAX to actually fix and acknowledge the issue instead of passing me off to a different department and claiming there is not an issue. This as of now will prevent me from obtaining the home loan we need until the issue is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions 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:
This information is related to crimes involving the intercepting and forwarding of outgoing calls from XXXX XXXX XXXX & XXXX XXXX XXXX. One number doing this is XXXX XXXX XXXX. 
I went to get the app credit wise by XXXX  XXXX. The app said that it couldn't confirm my identity. I then applied for a XXXX XXXX credit card. One of the security questions asked me " does XXXX own a house in XXXX XXXX? ". While intercepting my outgoing calls and pretending to be busineses like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX And XXXX   and XXXX  the sane customer service agents with the sane names XXXX and XXXX mostly over the last 2 decades have adked security question in order to do things like have XXXX reinstall software previously paid for. I believe that this XXXX cell is an independent contractor call center located in XXXX XXXX XXXX, possibly one call center that I was previously employed by in or around the XX/XX/XXXX. This company also telemarkers falsely as a credit collection agency and uses their power to try and steal debt owed by preventing communication with the real company. Example my XXXX account both times. The 1st time tgey refused to let me pay the pager bill unless I paid a credit card off first. The second time around XX/XX/XXXX -XX/XX/XXXX. They  refused to let ne speak to customer service about a discrepabcy on the bill having to do with having already paid XXXX. XXXX XXXX refused to remove from my credit report when I have paid them. I briefly had XXXX in XX/XX/XXXX through them XXXX  and XXXX where I get my XXXX XXXX XXXX # and forward to XXXX XXXX XXXX. We throygh my mom have mostly had XXXX through her account 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 2017-09-15
Company: EQUIFAX, INC.
State: WI
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:
Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( Equifax, XXXX, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking 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
Consumer complaint received 2022-10-04
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:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
portfolio recovery continues to call my work phone at XXXX for an invalid debt & was told to stop. they also contact my home phone @ XXXX after being told repeatedly to stop. Under the fair debt collection act I do not want any further calls at either number. they also continue to use phone dialing voip systyms to contact me multiple times a day after being told to stop. they have also reported this adverse information which is untrue to credit agency 's. further abuse & further contact will result in filing a federal lawsuit. every call is now being recorded & entered into court documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Security Credit Services, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call from a representative of Security Credit Services advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from Security Credit Services, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a transfer on XX/XX/2022 from my Chase checking account to a new XXXX XXXX savings account in the amount of {$65000.00}. The transaction was completed correctly. On XX/XX/2022, at XXXXXXXX XXXX XXXXXXXX, I used my phone app to open my Chase account. There were two pending transfers of {$65000.00} each from Chase to XXXX XXXX. I did not authorized either of those transactions. 

I contacted Chase customer support at XXXXXXXX XXXX XXXX on XX/XX/2022. I was told several reasons, but eventually the representative indicated a claim would be initiated and my money should be returned to my account within 12 hours. I was also told that XXXX XXXX was the company who caused this problem. I made numerous call back to Chase customer service during the day and was given different suggestions and answers. My saving account was {$0.00} and my checking overdrawn by over {$100000.00}. I could not pay my bills. ( Case # XXXX ) I called XXXX XXXX at XXXX XXXX XXXX ( soonest they were open ) and was told they did not have the money, only the one transaction I requested on XX/XX/2022. XXXX XXXX indicated they did not have access to my checking account to make the duplicated withdrawals. I talked to XXXX XXXX several times during the day. They sent me the following email : [ Incident : XXXX ] Hello, Thank you for reaching out about your multiple transfers from your Chase account. 

Our Operations team has reviewed and found that the transfer file received and processed contained only one transaction. We have researched this thoroughly and have not found that XXXX duplicated your transaction. 

We recommend that you reach back out to Chase to have them research this further and escalate to their team. 

Thank you, XXXX Chase has not followed up with emails or other contact to inform me what is being done to return the {$130000.00} back to my account. I was told by Chase they would be sending me an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, 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:
Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was fraud charges on my XXXX XXXX XXXX XXXXXXXX card that was reported to the company a few years ago. I received a letter from the company that the charges are valid because I have been paying on my card. I requested a re-investigation and Comenity Bank is stating the same thing. This bank has failed to do a proper investigation. They are presenting inaccuracies which clearly shows no real investigation was done. The company refuses to outline in writing how their determination was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to submit a dispute with Equifax and they make it impossible to put a dispute in. In XX/XX/2018, XXXX XXXX took off a collection account. XXXX and XXXX  have already taken off this acct off my report, but I am unable to Equifax to put a dispute in with Equifax and they have denied me a yearly report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, an associate at Direct Recovery Services contacted my ex-husband. They released all of the debt information to him including the amount of money that I owe as well as the name of the company it is directly owed to and asked him to leave a message to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
They keep sending me marketing letters, on XX/XX/2022 I requested them to stop. They said they would, and they have NOT. I get like 4 to 5 letters a week from them, and I am not even qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: MS
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 items I'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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: ATG Credit, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ATG Credit has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-05-30
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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