BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: WA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
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: Account information incorrect

Complaint:
Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, XXXX, equifax, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX because I have made complaint with the FTC XXXX XXXX XXXX State Attorney and the XXXX I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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:
Last year on or about the month of XX/XX/2020 I received a copy of my credit report from annualcreditreport.com and I also received a copy of my credit report directly from Experian Information Solutions , Inc.XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with Experian Information Solutions , IncXXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both Experian, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

Experian, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, Experian refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.

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 2023-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked all three Bureaus to make sure these accounts were accurate and complete. When the investigation ended, my accounts came back verified. However, there are still many discrepancies between each report and inaccurate information. If they investigated the account the information should reflect so across the board, and this violates my consumer rights to an accurate and complete credit report. I attached screenshots of the accounts. Please delete the following accounts : XXXX XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
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: Investigation took more than 30 days

Complaint:
For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to XXXX XXXX XXXX within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.

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 2023-04-25
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX, I applied for a home loan on the XXXX. On the XXXX, another application was submitted through a different group. While XXXX  and XXXX  took off the second application on my hard inquiries, TransUnion did not and has still not. I contacted them via phone call on XX/XX/XXXX to get them to do so and they said that on their end it is considered as one inquiry but that it will remain visible on my credit report for the two year time period and that if I want it removed from the report I would have to obtain a letter from the creditor myself saying that they authorize its removal.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Reported fraud to Citbank on XX/XX/XXXX. Two charges, one for {$65.00} ( XXXX XXXX ) charged XX/XX/XXXX and another for {$170.00} ( XXXX XXXX  ) charged XX/XX/XXXX. Credit Company never responded to my request. However, they did replace my card and credit card number as suspected fraud on acct. 

I called XX/XX/XXXX, as a follow-up and CSR told me that fraud dept never did the investigation. I would like my account balance adjusted to remove the two fraudulent charges.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}

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 2020-03-03
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HELLO, MY NAME IS MS.XXXX  XXXX XXXX AND I WAS REFERRED TO YOUR OFFICE TODAY BY MY DEAR AND VERY GOOD FRIENDS FROM THE UNITED STATES SENATOR 'S  OFFICE.MR.XXXX  XXXX 'S OFFICE.THIS COMPANY CONSTANTLY KEEP HARRASSING ME AND THREATENING ME WITH A LAWSUIT AND THEY ARE INTENTIONALLY RUINING MY CREDIT.THESE MEDICAL BILLS WERE TAKEN OUT ON XX/XX/2016 IN XXXX XXXX.AND I MOVED TO XXXX , XXXX.IN XX/XX/2016 WHICH I'AM STILL LIVING IN XXXX XXXX.I HAVE TRIED TO  TALK WITH THESE PEOPLE TO LET THEM KNOW THAT THIS IS NOT MY ACCOUNT I WASN'T LIVING IN XXXX  IN XX/XX/2016 I WAS LIVING IN XXXX, XXXX.AND THEY REFUSE TO REMOVE IT FROM MY CREDIT REPORT NOW MY CREDIT IS DAMAGED SEVERELY BECAUSE IT.I'AM IN THE PROCESS OF TRYING TO PURCHASE MY FIRST NEW HOME AND CAR AND ALSO I'AM NOW A VICTIM IF THE XXXX  DATA BREACH AS WELL.I'AM STUDYING TO BE A XXXX XXXX AND THIS IS DESTROYED MY CREDIBILITY.THE NAME OF THE COMPANY IS/TSI XXXX/ {$980.00} WHICH I DEFINITELY DON'T OWE THAT'S NOW IN COLLECTIONS THEIR ADDRESS AND PHONE NUMBER IS/XXXX XXXX, DELAWARE XXXX/XXXX.PLEASE HELP ME TO GET MY CREDIT SCORES UP SO I CAN PURCHASE MY DREAM HOME AND VEHICLE.THANKYOU AND GODBLESS YOU ALWAYS.SINCERELY, MS.XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Chase Bank-my checking account - {$750.00} was stolen ( a check washed ). I reported to Chase Wednesday nightXXXX XXXX. At XX/XX/25, my money still has not been returned to me. They have been giving me the run-around. Gave me several different dates of claim approval and, money to be in my account. Now they say by XXXX. This is unacceptable. It is my money and I have not paid my rent. It was part of my SS check.!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
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: Personal information incorrect

Complaint:
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights has a consumer, so delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I graduated from college in XXXX. Several years ago I consolidated my student loans with Navient. Since then I have improved my credit rating tremendously, I now have a credit score close to 800. I received a letter from Pioneer Credit Recovery in XXXX of XXXX about a student loan that I did not pay and did not know about as I thought all my federal student loans were included in my consolidation with Navient. I sent a letter to the US Department of Education in XX/XX/XXXX along with supporting documentation ( it is attached ) and I didn't receive a response. What's interesting about the collection agency being Pioneer Credit Recovery is that ( according to a XXXX search ) they are a division of Navient, that has my SSN, DOB, address ( where I have lived for over 5 years ) and my phone number that has not changed in well over a decade. Why would I just now be contacted about this loan? My XXXX, {$1800.00} tax return was off set this year. And I still owe over {$2700.00} due to fees and interest. On XX/XX/XXXX at XXXX I spoke to employee ID XXXX and requested a validation of debt. To date, it has not been received. In an attempt to move on with my life and keep my excellent credit rating, I have offered a settlement of {$1000.00} and it is being rejected. I think {$2800.00} for sending ONE letter a year ago is a pretty good deal, wouldn't you agree? My complaint is that the federal government nor Pioneer Credit Recovery have done their due diligence to collect on this loan and I should not have to pay the inflated fees and interest. Thank you for your time.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2023-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NY
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 recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: GOLDMAN SACHS BANK USA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX XXXX 2022 online XX/XX/2022. My first package was never delivered to my door, instead it was delivered to a post office no where near my house. Then was marked lost by XXXX on XX/XX/XXXX. XXXX sent a replacement I believe on XX/XX/XXXX that was never received as well. My daughter was home all day those days that it was suppose to be delivered on. XXXX has done nothing, but claim my packages were delivered. There is no signature, picture or even a note from XXXX for an item that costed XXXX. My claims from XXXX and XXXX and even my disputes have been cancelled, XXXX is stating that XXXX provided proof that my order was completed but there was no signature. I'm now being forced to pay for something I never received.

Company response to consumer: Closed with explanation