BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account showing in my credit report is not one I recognized XXXX, XXXX during this period I was in XXXX, XXXX as a dependent. Enclosed is the XXXX contract orders.

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 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello i am disputing the inaccuracy of why XXXX  XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX  house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to XXXX, Equifax, and XXXX and they are still reporting it after asking them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello i am disputing the inaccuracy of why XXXX XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to XXXX, XXXX, and Transunion and they are still reporting it after asking them to remove it.

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 2023-07-04
Company: EQUIFAX, INC.
State: FL
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:
I have filed several disputes with the following credit bureaus XXXX, EQUIFAX, XXXX, I have request update credit reports and have received no answer to my disputes nor for the update credit report request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, NE XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-07-03
Company: EQUIFAX, INC.
State: NM
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-01-21
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX I opened an account with Hyundai Capital Amierca to lease a Hyundai XXXXXXXX. Every payment was made on time ( or early ) between XXXX and XX/XX/XXXX. 
In XX/XX/XXXX I received an offer to trade in my lease early with XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Part of this deal was that they would make my final payments for the existing lease and I would start a new lease with my next vehicle. We proceeded with the transaction and I began my new lease. 

In XXXX of XXXX I received a letter indicating my payment was late for the existing vehicle. I brought the letter to my dealer and they called up Hyundai Finance and advised me not to worry, their check was sent to them and there is probably a delay. This occurred in XX/XX/XXXX again and I was told the same thing. 

By XXXX of XXXX the creditor had put the account into collections as a chargeoff. I then came into dealership, made them conference call Hyundai Finance and it was at this time the dealer realized they made an error in calculating payoff. They immediately sent the check to Hyundai Finance and the account was closed as paid, with a charge off. 

In the following XXXX years, I returned to the dealer several times asking they contact Hyundai Finance as my credit report was showing XXXX late payments and a charge off. The dealer reached out and was told this information would be corrected. 

This past XX/XX/XXXX, my wife and I began looking for a home and upon checking credit I noticed this issue remained uncorrected. I called all credit bureau 's opening several disputes which all returned without any change. Upon calling the credit bureau 's I was told that I had to write the creditor as they can only report what the creditor agrees to. 

Over the past 4 months I have called and written the creditor only to be told ultimately that while they understand the dealer made the error, they would not update the reporting information as it was " correct at the time ''. I asked if they understood I as the consumer was not at fault and they indicated " yes, we understand, the dealer is, but the information being reported is technically accurate ''. 

As the innocent party, following the direction of the dealership who assumed responsibility for payment, I don't understand how I end up the damaged party. As Hyundai Capital America has refused to make a change, I am requesting your assistance in correcting this information. The attached letter contains account numbers, address 's for relevant parties as well as the dealers own words on the current issue.

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 2021-03-07
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. 
At this time, XXXX pressured me aggressively to return the difference through Zelle to : XXXX XXXX His Zelle associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through Zelle respectively. 
The same day they received the money, XXXX XXXX  informed me my account was over drafted, since the XXXX dollar check is fake. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX  information below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2021-03-07
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:
I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: NAM National Arbitration and Mediation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of XXXX XXXX XXXX. They stated that I needed to make a payment on the debt. the debt was over {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with XXXX XXXX XXXXXXXX. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

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 2023-07-16
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXXXXXX  I went to XXXX to purchase a pair of dress slacks. I chose a pair and was offered a {$25.00} discount if I were to open a charge account. ( Having had one previously with them for years - while still working- I consented ). A time later, the bill arrived, and not noticing a way to pay on line I set it aside for attention at another time. In late XXXX a second bill arrived and I paid the new amount with a late fee, and an interest equal to 46 % by mail. My check was XXXX by Comenity, a day late, and a second interest was charged, this time at 1120 %. 
Believing that I had fulfilled my obligation to Comenity, I didn't bother to open the XXXX and XXXX billing statements. On XX/XX/XXXX, I sent a check for the two interest payments and a {$2.00} late fee totaling {$6.00}. Again the accrued interest was {$0.00} but the charge was {$2.00}. I wrote on the check, and the tear off portion of the statement that this was my LAST, final check to that account. 
The bills continue. On the XXXX of XX/XX/XXXX, I spoke with an agent, and then with a supervisor, XXXX, confiming with her that I would not be making any more payments. She informed me that she would mark my account as " Refusal '' and that it would continue to accrue charges. 
Because of the frequent calls to my cell phone, I blocked each new number from Comenity bank. Near the end of XXXX, XXXX, I started an XXXX spread sheet recording the missed calls, and the messages left by Comenity bank. See attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25
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: Account information incorrect

Complaint:
I had a mortgage loan from XXXX XXXX. I always paid on time, in full, by auto-pay. 

The loan was subsequently sold to XXXX in late 2019. Without notice to me, XXXX, through its loan servicer XXXX XXXX, added charges. 

One charge was completely in error - it was for property insurance, which I already carried. ( When I inquired of the loan servicer, the representative acknowledged that I carried the insurance and that the charge was in error. ) The other was for " overage '' - an undefined additional ( and therefore illegal ) charge of $ XXXX/month. 

Again without notice to me, when my auto-payment was not sufficient to cover these added charges, XXXX made a derogatory credit report. This resulted in my credit report dropping precipitously with at least one agency ( Equifax ) and my being unable to refinance an unrelated loan, then actively in process. 

I have tried to resolve this with XXXX and XXXX XXXX, but other than acknowledging my correspondence, I have not yet had resolution. 

And critically, my credit score remains impaired. 

I paid the allegedly owing amounts ( under protest ) and believe my credit should be restored to its previously higher score. 

My letter and supporting documentation are attached hereto.

Company response to consumer: Closed with explanation