BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: LA
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:
EQUIFAX IS REFUSING TO REMOVE FRAUDULENT INFORMATION FROM MY CREDIT REPORT, EVEN AFTER I SUBMITTED PROOF OF FRAUDULENT INQUIRIES SUBMITTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from XXXX XXXX XXXX in the mail stating that it is the second notice of a " severe delinquency '' over a payday loan with Ace Cash Express. 
1. I have never heard of ace cash express 2. I never received a first notice 3. The amount of the " pay day loan '' they claim I took is more than pay day loans can legally give you in my state. 
This company claims I took this loan out while I was working for an employer I haven't worked for in almost 20 years. They also state that it was " malicious intent to commit fraud '' on my part by closing my bank account right after taking this payday loan. I have only ever closed one bank account in my life. I was not working for and had not been working for the XXXX XXXX for several years at the time that account was closed. 
They are threatening me with wage garnishment, personal property or bank account lein, negative credit reporting, back interest, legal fees, court costs, and full principle of the loan. If I do not mail in the full amount a subpoena to XXXX County Municipal Court will be issued for me and 2 witnesses to go to trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with the manager of the location. I verified that it is me. I told her to only call my cell phone if needed. I explained that I have been ill. I made arrangements to pay. The next day, another woman called my place of employment and one of my relatives before calling me. Then she called me and  began to tell me that my loan was past due like I never spoke to her boss. I advised her that I had already made arrangements at which time she openly admitted she had not read the notes before she started her calling routine. A few minutes later my family member called me too, to tell me about the hed received. I called her back to ask why she had called at all and on top of that - called other people and my job when Im at home recovering and had explained that to her boss on the previous interaction. She said all she could do was apologize and have her boss call me back. I spoke with her boss and explained that I am still recovering and what they had done was causing me to tremble and be embarrassed. She agreed to take a lesser payment to compensate. I agreed to pay by XXXX. She told me Id get a reminder call on XX/XX/31 or XXXX. Today, XXXX, a woman named XXXX called me. Unfortunately, a family member died in my household yesterday and I told her this was not a good day. She continued to push to get me to commit to come in on Monday, after asking me to come today anyway. I told her about the death and she didnt even express condolences or care at all but continued with her business pressing me to commit to Monday and give her a time I would be in. I was so shaken, I forgot I am on bereavement on Monday. Im about to call them back to ask for XXXX, the manager, to call me back. I can not believe they are allowed to tell my family member the name of their business which clearly says what they do with being asked. They also proactively asked my family to deliver a message to me. I am aware they cant do that. Further, they called a day later than promised and when I told them Im in no condition to talk right now - she continued to press me. I wasnt going to file a complaint at first but now that this lady has called and ignored my valid request to grieve today, Id like a regulator to look into their collection practices and have them prove to you that they have appropriate training in place to avoid abuses like this and make reparations for their intent to embarrass me and treat me with no respect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX  XXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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: Public record information inaccurate

Complaint:
Chapter XXXX XX/XX/XXXX is still reporting. Is this as been dismissed on XX/XX/XXXX. Please remove from my credit file ( inaccurate information )

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXo XX/XX/XXXX XXXX  XXXX XX/XX/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 2018-08-08
Company: CITIBANK, N.A.
State: KY
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:
On or about before XX/XX/XXXX, I called Best Buy to have my lab top fixed with XXXX  XXXX. I open up a program with XXXX XXXX in XX/XX/XXXX until XX/XX/XXXX. I called Best Buy before XX/XX/XXXX to end the program the day the work was done on my lab top and informed them I know longer wanted the program. 

However, they still billed me for XX/XX/XXXX, the day it ended, they also billed me for XXXX, and XXXX. I spoke to some many different people, XXXX, stated he saw the error in the system, but could not fix it states city bank had to fix it. Called city bank they could not fixed. Called back to best buys switch to several different people, when I complained the date was changed in the system with the code XXXX. 

When I spoke to some one by the name of XXXX she refused to give her ID number or last name. These are all the people I spoke to XXXX, XXXX XXXX, XXXX, XXXX, mgr. was very nice, XXXX, XXXX, XXXX would help but takes 6 weeks. In the meanwhile my bill is {$90.00}, that is due XXXX. BestBuy ( XXXX ) a,

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 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please remove the following inquires and accounts that violates my consumer rights according to 15 us code 1681b. MY CHARACTER TO ESTABLISHED CREDIT IS BEING TOURNISHED BECAUSE MY RIGHTS AS A CONSUMER IS BEING VIOLATED ACCORDING TO THE US CODE LISTED IN MY REPORT. PLEASE REMOVE ASAP

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 2017-12-25
Company: EQUIFAX, INC.
State: TX
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 contacted Equifax to let them know that their had been improper reporting on my credit report. I spoke with someone live XXXX XXXX, 2017. We went through every thing that was incorrectly reported. However, I received an email today stating to contact the original creditor. It is my understanding that The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. XXXXnsurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: TX
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 submitted several disputes with Experian and XXXX XXXX over the course of the past 60 days. Both agencies said that they were re-investigating the account in question ( XXXX XXXX XXXX XXXX ). XXXX investigated and removed the account, the other two said that it was accurate and verified which is a gross misrepresentation of the rules and regulations because they did not. I have highlighted and attached a copy of the inaccurate reporting. Experian deleted the account and as recently re-inserted account with no investigation. Please review and investigate their claim. 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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I asked Transunion to investigate various accounts on my credit file, because they were reporting inaccurate and incomplete information. The online system, used for disputes, did not work for me so I wrote them a letter. ( attached ). 

As of XX/XX/2023, more than 30 days since my request for investigation, Transunion has not processed my dispute requests, as required by law. 

This is a violation of FCRA 611 ( 15 U.S.C. 1681I ) which requires Transunion to carry out this independent investigation and correct or delete the items disputed. Transunion did not complete my investigation, did not update or correct the items I asked them to investigate. Therefore, the following accounts should now be deleted : 1. XXXX  XXXX # XXXX - Disputed for inaccuracy because of missing payment history 2. XXXX  # XXXX - Disputed for inaccuracy because of missing payment history 3. XXXX # XXXX - Dispute for inaccuracy because of missing payment history 4. XXXX # XXXX - Disputed for inaccuracy because of missing complete payment history 5. XXXX # XXXX - Disputed for inaccuracy because of missing payment history 6. XXXX # XXXX - Disputed for inaccuracy, for missing payment history. 
7. XXXXXXXX XXXX  # XXXX - Disputed for account ownership 8. XXXX # XXXX - Disputed for unrecognized account, since no payment record reported 9. XXXX # XXXX Disputed for inaccuracy, because payment history is reporting inaccurately XXXX. XXXX XXXX XXXXXXXX # XXXX Disputed for unknown 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-03-01
Company: EQUIFAX, 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 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 XXXXXXXX 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
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MD
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:
In accordance withe Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my accounts were properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate, balance owed inaccurate, account ratings are inaccurate, last payment date inaccurate, account statuses are inaccurate. This ground for removal they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : Its states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : Tracking number : XXXX Tracking number : XXXX Tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was an error on my credit report due to a past divorce. Disputes were opened with all 3 credit bureaus on XX/XX/2019. 

On XX/XX/XXXX I received notification that the dispute was completed and attempted to access via the online portal. Error messages were present that the " Service was unavailable ''. I attempted to access on XX/XX/XXXX and got the same result so I called their customer service line. 

I was told by the customer service rep that the dispute was not completed but canceled due to the documents not being present. I uploaded the document via their web page, and they have subsequently lost them. These documents contain large amounts of PII for both myself, my child and my ex wife. When I asked to have the documents tracked down and verified where they went I was told that they do not have a security division or cybersecurity department. 

They then informed me that the dispute wasn't opened as a dispute and was not completed, despite getting emails saying the dispute was completed. 

Overall I have deep concerns about the security of my documents and the lack of care to correct my credit report. 

I can provide a call recording of the interaction if requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/2020 - I contracted with XX/XX/XXXX for service and automatic monthly payments. 
XX/XX/2020 - No service, and XXXX wouldn't correct it. Auto pymts. stopped. 
XX/XX/XXXX stopped debiting my card, but suddenly charged {$420.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently received a statement in XX/XX/XXXX stating that I owe {$2800.00} to Bank of America this account was paid off in 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 2019-04-19
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:
Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do.

I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, Equifax, XXXX today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: U.S. BANCORP
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XXXX, US Bank, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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