BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: EQUIFAX, 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:
On XX/XX/2019 I paid off a loan from XXXX XXXX XXXX. I paid the loan off completely and in full. They are currently reporting this as a settlement, which is a deliberate and malicious statement. This loan is the result of cross-collateralization, basically strong-arm tactics. I was very vocal about their unethical business practices, and noW that I piad them off, they are deliberately reporting this gross inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX  XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/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 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 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 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 2020-08-11
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with CREDIT COLL ( Original Creditor : 06 THE XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
All inquires are from XX/XX/2018 and are fraud 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 2021-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been with this Credit union for several years and have had financial hardship while dealing with a terminally ill child. My balance has been paid off and they are denying reopening my checking account as well as no access to my savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: MA
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:
My son 's personal information was recently leaked via Equifax during their recent data breach. We tried to take advantage of the one year protection plan that Equifax was offering but recieved an error stating that he was ineligable for the offer because he is under the age of XXXX. They offered no additional guidance or help regarding this matter. Because we we 're concerned with the safety of our son 's information, and consequent future, we decided to sign him up under his mother 's name and social on Sunday XX/XX/XXXX. They called on Wednesday XX/XX/XXXX and  proceeded to tell my wife that what we were trying to do was tantamount to fraud and again offered no additional guidance. We cancelled the request for credit monitoring at the advise of the representative from Equifax. I found this approach unacceptable as a XXXX XXXX XXXX should be the first to be protected in a data breach and is the most vulnerable as we are unable to protect or monitor his credit. Again, we were left on our own to figure out what to do on our son 's behalf. Thankfully we found some information on identitytheft.gov that led us down the current path. Equifax offered no guidance or help at all in sorting out the data breach caused by their company 's lax security. They need to be educated or proactive about helping or how to help children that are affected by their recent data breach. The representatives only told my wife that what she did was tantamount to fraud and that we need to cancel the request that we placed for our son. She even put my wife on hold and said that she spoke with a supervisor and that there is nothing that Equifax can do if it is a minor that was affected. Someone needs to train them on how to better deal and guide parent 's of children affected by their XXXX data breach. We we 're more than willing to fill out any necessary paperwork in order to protect our son, however, as stated before, we were told that nothing could be done if it was a minor that was affected. I could hardly believe that they told her mother that she was committing fraud when all she was doing was trying to help her son protect himself from their mistake. This type of guidance or lack thereof is absolutely unacceptable and another tarnish on Equifax as a company. I was very disappointed with the way they handled the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hey Ive received a letter XX/XX/2020 saying that I will receive payment by prepaid debit card. But I never received any prepaid card from the government and I need to know why not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: S&S Physician Services, Inc.
State: TX
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:
This is my first time filing a complaint for both collection accounts on my reports with Harvest Associates with account numbers XXXX and XXXX. Harvest Associates is continuing to report an account that they have failed to provide validation for. On XX/XX/2022, I sent a request for validation including a full account ledger, proof that they own the debt and everything in their possession pertaining to the account. They never responded and it has been well over 30 days. I am demanding this account be deleted from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have checking and savings with bank of america and about 3 months ago i was going through my online checking and saw XXXX debiting my account {$14.00} month and a XXXX XXXX XXXX a vitamin company debiting my account for@XXXX and XXXX month so i called bank of america and opened a dispute for theses transactions. upon talking to the bank these companies called a third party told them i had a contract with them and had been taking money out of my account for a year, during that one year period i changed by debit card twice and was baffled as to how they kept getting into my account and the bank disclosed to me that they were re-setting themselves up with the XXXX/XXXX people everytime i got a new card. Needless to say i was livid. i do have an XXXX   and XXXX account, however, i have never bought an app or music to warrant $ XXXX monthly from them and of course it is impossible to call them. XXXX the vitamin company was a free trial only and then they latched on and started sending a ton of their vitamins to me which i already called and canceeled several times. Of course the bank declined my dispute with no clarification as to why and it is unacceptable my hard earned money of about {$700.00} to both of these crooked companies should go unpunished and not returned to me. Neither company has anything signed or approved by me for these charges and it is wrong for anyone other than me to give them access to my money. I had to block both of them from my account to stop having them get to my account. Someone needs to stop this ridiculous interlocking corrupt commercial system where they can just call their buddies and get free rides to other peoples money. i tried to get their checking account information and not one person could give it to me, so how is it so easy for them to get mine?? If you could possibly help me to get any resolution on this matter at this point, i would be grateful. Thank you, 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 monetary relief
Consumer complaint received 2020-10-05
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken to these people a few Times i have never had a crimal case in XXXX never been to this town in my life the last time i spoke to them i asked for the info and it was for a XXXX XXXX XXXX male and im XXXX XXXX XXXX male this company cant understand this and my dl number is one digit differnt but im not giving it to them they have the wrong person please stop sending me letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im writing to contest my wells fargo card service account that i closed in XX/XX/XXXX. I did debt consolidation and paid a company that closed the account and made payments for me. I received multiple late payments in XX/XX/XXXX even the the account was closed XX/XX/XXXX. I made all my payments to the 3rd party debt consolidation company. I dont know why i have all these late payments.

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 2023-06-23
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: Account status incorrect

Complaint:
I have accounts that haven't been any activity since 2016 and I'm trying to fix the Inactivity 's and Wrong Information that's being reported.

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 2019-01-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I attempted to purchase tickets to the opera from XXXX. I thought I purchased two tickets totaling {$650.00}. When I printed the receipt and the tickets I discovered two problems. First the price I was charged was {$920.00}. Also the name on the tickets were not my name but the name of a different person and the price on the tickets was {$190.00} each. I attempted to contact the company by phone but was unable to reach anyone. I sent a few e-mails stating that I would not try to attend an event with tickets that were not in my name and wanted either tickets with my name for the price I agreed to pay or a refund. They responded that they were a third party seller and that there were no refunds and that this was the standard in the trade. 

I then contacted my credit card company American Express and they agreed to suspend the charge and would investigate. This would take approximately 6 weeks. It is quite disturbing to me that these actions are allowed. No where on the purchase site does it say that they are a third party seller and that the price and the names on the tickets would be different that my purchase. 

I never attended the opera and did not use the tickets. I informed them of my actions and intentions before the date of the show to give them time to resell the tickets but they refused to cooperate. This type of business should be closed down. It is totally misleading and deceptive to the public. 


I also purchased cancellation insurance on the same site from XXXX   and this also was a scam. I contacted them and they told me it was not covered. Seems like birds of a feather flock together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted XXXX XXXX on XX/XX/2023 to inquire about interest in the amount of {$14.00} appearing on my account. In addition to, a promotional interest rate. I knew my balance wasnt paid off in XXXX but I paid off in XXXX. With that being said how do I still have interest charges if the balance is paid in full. Also, my credit score is above XXXX why is my interest so high on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: ID
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:
These are not my accounts, nor did I follow through with a chapter XXXX bankruptcy. I have attached the documents for proof. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Receivables Performance Management, LLC
State: GA
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:
Receivables Performance Collection agency is currently reporting a collection on my credit report for the amount of {$1800.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.

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 2023-04-14
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report. I have recently reviewed my credit report, and I noticed several inquiries that do not reflect my current credit activity accurately. I kindly request your assistance in deleting these inquiries from my credit report for good. 
Below, I have provided the necessary details regarding the inquiries that I would like to be removed : 1. Inquiry Dates : [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] 1 understand that inquiries may remain on my credit report for a certain period of time, typically two years. However, I believe these inquiries were made without my consent or knowledge. Therefore, I kindly request that you investigate the legitimacy of these inquiries and remove them from my credit report permanently. 
As a responsible and diligent consumer, I have always strived to maintain a good credit history, and inaccurate inquiries can have a negative impact on my creditworthiness. I have attached copies of supporting documents, such as bank statements or correspondence, to prove that I did not authorize these inquiries. 
1 kindly ask you to initiate an investigation into these inquiries and take the necessary steps to ensure their deletion from my credit report. Additionally, I request tha provide me with a written confirmation once the inquiries have been removed. 
Please note that according to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure the accuracy and fairness of the information contained in credit reports. I appreciate your attention to this matter and your commitment to upholding the FCRA guidelines. 
1 would like to express my gratitude for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this issue. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Account information incorrect

Complaint:
These items are not transactions conducted by me as a consumer. 

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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation