BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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 checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.

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 2021-04-26
Company: Experian Information Solutions Inc.
State: NV
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:
Experian did not, will not, fix dispute issue on my credit report. The dispute involves XXXX XXXX XXXX XXXX I have advised XXXX XXXX and Experian they are confusing me with one of my adult children. I have tried to resolve this with no help from either party involved.My name is XXXX XXXX, XXXX XXXX XXXX, XXXX NV. XXXX, cell # 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 2023-01-03
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Phoenix Financial XXXX is attempting to collect an amount of {$830.00}. I do not owe anyone any money or have a reason for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX XXXX to a XXXX XXXX XXXX card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!

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 2018-07-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My bankruptcy was discharged in 2014. The lender of the loan in question ( Santander ) was also listed in the bankruptcy and the loan was discharged. The original lender ( XXXX ) was bought by Santander bank. Apparently, Santander is assigning loans and has started sending bills for this very same discharged loan. I also just found out that Santander has managed to add a " delinquency '' on my credit report which is of course affecting my credit score. I suppose to benefit them in some way, the entry on my credit report goes back to right before I filed for bankruptcy. My thinking is they did so to make it look like it wasn't added to the bankruptcy. Yet again, I have never had an account directly with this bank. They have essentially fabricated a new account in my name, and established their own line of delinquency, so they can attempt to collect the debt that has already been discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: First Federal Credit Control, 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: Account information incorrect

Complaint:
XXXX XXXX loan company has been paid in full due to insurance claim/loss, company continues to report to collections as account closed and not paid in full. Account has been pain on time and in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX IS NOT REMOVING OLDA ACCOUNTS THAT HAVE PASSED A 7 YEAR STATUTE OF LIMITATIONS FROM MY CREDIT REPORT! 
I have proven to Equifax munerous times for 6 months now that XXXX XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity and XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity. None of the other bureaus are reporting it anymore but EQUIFAX keeps stating that they verified it with the original creditor, when I have letters from XXXX XXXX XXXXXXXX and XXXX XXXX stating they are NOT REPORTING THIS OLD ACCOUNT AND THAT IT SHOULD BE REMOVED FROM MY CREDIT REPORT. 
please help this is damaging my credit and Equifax is being totally ignorant to the F.C.R.A. rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX is reporting a fraudulent account opened on XX/XX/2019 to ChexSystems and verifying that disputed information is accurate, but has yet to provide me with the requested information that proves that I am the one who opened the account. In the information they provided, which consists of two bank statements, there are only returned mobile deposits and returned echecks. I have requested the signature card used to open this account and also the ID used. Neither pieces of information have been provided to me. The closure status status states " settled in full '', when I have never paid a dime to XXXX  XXXX XXXX, or conducted any business with them. They have it reported for Suspected Fraud Activity, which I do agree with, but I am not the one who conducted the fraud or the opening of the account. If they are not able to provide me with the requested proof that shows I am the person who opened this account then it needs to stop being reported. They were provided with my FTC Identity Theft complaint, as well as the Dispute and request for validation of proof. Seeing as that they are unable or unwilling to provide any proof that I opened this account, other than my personal information was used via a mobile application, then this information needs to be removed and stopped being reported 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 explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Experian to dispute an address that do not belong to me. I have never lived at the address being reported. Experian will not remove the address because it is attached to an account. An account that contains inaccurate information. I would like supporting documentation of the decision being made to determine this address belongs to me, if this information can not be provided please deleted this address XXXX XXXX  XXXX XXXX. XXXX, TN XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: SYNCHRONY FINANCIAL
State: MD
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:
During this Covid-19 Pandemic, I did not receive mail from a creditor and the creditor did not contact me via email or phone. I received an email from XXXX stating that a creditor reported adverse info on my credit reports. I contacted the creditor to resolve the problems but have not received verification that the reported info was removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Pacific Home Loans, Inc
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
ON XX/XX/2020 XXXX XXXX OF PHLOANS ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL ON XX/XX/2020. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$570.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE TO XXXX XXXX 'S PHONE NUMBER AND EMAIL. LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS NONPAYMENT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I can not get my limit on my netspend debit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Experian must be held accountable and to the standards clearly outlined in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from Suntrust saying that I opened an account with them. The letter came with 3 checks and a deposit slip. I have never opened an account with them or have done any business with them so they are opening an account in my name without my permission. I called them and the first question I get asked by the automated answering service is if there is somebody in my house more than 50 years old. What type of bank answers the phone with this question? 
I hanged up and after reading other similar complaints ( 43 in 3 years ) on your website I don't want to call them again. They do not offer any explanations to anybody. I am hoping that you will investigate this company and do something about this so they don't keep doing the same thing to other people. I can't believe that after getting 43 complaints from them they are still doing the same thing.

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 2020-11-18
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( Equifax ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX or Equifax to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Conn's, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
- I purchased 1 laptop in XX/XX/XXXX - XX/XX/XXXX the laptop was damaged turned into a repair center : XXXX I had Full replacement insurance - Conns Issued me a replacement Laptop with my full warranty - Conns reported on my Credit that I possessed 2 laptops and charged me for 2 laptops with 2 contracts - since XX/XX/XXXX I have been fighting to get the other laptop that is in possession of conns off my credit report and Conns has refused too - Conns lied and added an additional contract, which I did not agree to to another contract. I have all paperwork and contracts. 
- Both Contracts have the same exact product on each contract with the same unit, and charged me for 2 laptops - To this day, Conns has not settled the matter.

- I was sent collections settlements for 2 laptops that I do not have possession, but conns has the laptops at their repair center, which were never returned to me, but I have a contract -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Ashwood Financial Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly called on my cellphone stating I owe on a credit card with XXXX. Informed associate I have never done business with XXXX and was then informed the debt belonged to another name. The other name happens to be my sister whom also has never done business with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: SYNCHRONY FINANCIAL
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:
Company has wrong info of denial. They have told me to contact XXXX but XXXX says they dont have the info the bank has on their credit report. The bank did say my credit was XXXX out of 300 min to 620 max. Company also continues to deny an interactive good faith process to accommodate my XXXX. Company also has failed to accommodate any of my XXXX in any way. I am making a new complaint because I could not get access to my previous complaint. This is an addition to that complaint.

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 2019-06-07
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:
Equifax is not responding to my dispute, Items where removed from XXXX and XXXX  promptly, more than 30 days have passed, I've sent my ID Theft report, as well as other supporting documents. Can not access their dispute feature online, have sent multiple faxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened the Target RedCard Store CreditCard in XX/XX/2020. 
Ive been using the card. But I didnt use the card for couple of month later. 
On the XX/XX/2020 I tried to place an order through target store app but it did not go through. 
I called and was told that the card was closed due to inactivity. I was infuriated because at least theyd have notified me about the actions they were planning to take. I requested to speak with XXXX a supervisor about the situation to see if she can resolve it but to no avail. The confirmation number for the call with her is XXXX. 
This is so so so disrespectful and in a logical sense describes the relationship between corporations and consumers- they advertise to you and throw you out when out whenever they want. 
They didnt see me human enough to notify me of their actions before they take, neither did they see me human enough to reconsider and resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lending company continues to report fraudulent debt, vehicle was not repossessed, vehicle has been charged off, company continues to report account as open. No validation as to debt amount owed and or trade in value. Lending company sold flooded vehicle to consumer with illegitimate warranty.

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