BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-23
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:
Equifax has me locked out of their online dispute system to upload supporting documents to my complaint. On XX/XX/2018 I received an alert detecting there were changes in XX/XX/2018 from a certain banking provider. XXXX XXXX XXXX removed a good standing account and reported derogatory information left unresolved by XXXX XXXX fraud team in Virginia. 

I received another alert on XX/XX/2018 that my name was updated. I contacted Equifax and the call was routed outside of the United States to a Country whereas English is not their primary language in which the individual could not comprehend my dispute regarding other items I noticed decreasing my score without reading from a script.

Equifax has me locked out of their online dispute system to upload supporting documents to my complaint. My credit score decreased 63 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Self Financial Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NV
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:
Someone use my name and identity to purchase a truck Ive never seen or heard of. Now it is hurting me in my load process.

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 2021-06-22
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I initially did not receive the credit card in the mail for several months. I was not able to make payment in the online system. When I tried to close the prepaid card, they told me I could not. Now, I have late payments on my credit report that I have requested be removed with no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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: Their investigation did not fix an error on your report

Complaint:
I was checking my credit reports and XXXX XXXX XXXX XXXX XXXX reported that I was late on payment. I have never been late so I disputed all credit bureaus. I called XXXX  XXXX  XXXX and they corrected the mistake and sent to all bureaus but one has not been corrected and that one is Equifax. Ive filed this dispute 6 times and I keep getting the same results. Equifax says that XXXX XXXX  XXXX says the report is accurate and XXXX XXXX XXXX says they sent over the information to Equifax to correct it but never gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
This complaint is in response to recent response to previous complaint, which was not satisfactorily answered. The company has not furnished me with the contact information for the person they said verified the information at the US Bankruptcy Court as they have it listed as the one who supplied the information. They have also not established their verification method, because again I do NOT CONSENT to any form of electronic verification. I have contacted the Court and confirmed that they do not report to credit agencies. So at this point as they are the only ones in question I'd like to know who else would have the right to report any such information. Your reporting that US Bankruptcy Court has reported this is INACCURATE and MISLEADING information. I do also, understand that I can sue. If you have valid information pertaining specifically to the issue I am addressing I would like that information. Please address my specific concerns. The answer submitted was general in nature. I would like the information requested as I have a right to it. Original signed paperwork with my signature. No proof means no authority. 

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 2019-06-07
Company: Experian Information Solutions 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 status incorrect

Complaint:
I recently obtained my credit report and FICO scores from all 3 major credit bureaus Experian, XXXX, and XXXX. All 3 credit bureaus have the exact same accounts and credit history. They are all reporting the same information to lenders. XXXX is reporting a FICO score of XXXX which is an excellent credit rating. XXXX is reporting a FICO score of XXXX which is a good credit rating. Experian is reporting a FICO score of 590-630 which is a Poor/Fair credit rating. There is a difference of almost 150 points on XXXX FICO score. Most lenders use Experian to extend credit to consumers. Therefore, this gives lenders an opportunity to charge consumers more money in finance charges and interests. Lenders are aware that Experian have inaccurate and outdated FICO scores. Therefore, the consumer is victimized and taken advantage of ... According to the Fair Credit Reporting Act, this is an illegal practice. Due to Experians inaccurate FICO score, Ive been declined for credit opportunities and charged more money for financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: AVANTE
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AVANTE USA is reporting that I owe a medical bill from XXXX, they have this listed n my credit report as of XX/XX/XXXX with a balance of {$910.00}. They are trying to collect a debt that does not belong to me from XXXX XXXX XXXX Of Maryland. Someone got my number from this company somehow and told me that its from XXXX and I told this person that I have always had medical coverage.This company should not be reporting negative information on my credit reports for a account that does not belong to me from the year XXXX which is over seven years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt appears due to equipment I was not able to return until everything started to open back up due to COVI19. I do not owe XXXX  for services and the equipment has been returned to XXXX. This company keeps adding this debt to my credit bureaus and reporting new every month. I have tried to dispute it to no avail. They are not available on the phone when I've tried to call them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: Midwest Diversified Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/2019 a man named XXXX from midwest diversified recovery services contacted my wife on her cell phone discussed a debt that i am not aware of and demanded her to listen to him called her a XXXX* and violated the fdcpa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: AMERICAN HONDA FINANCE CORP
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:
In XXXX of 2018 Honda Financial services reported my account as a late payment for the amount of XXXX $ which negatively impacted my credit rating severely I reached out to them many times and was never given a proper solution or fix to my issue I was told I can go as much as 30 days out from payment due date before they report it to the 3 credit bureaus I had made my payment only a few days out from due date and was marked as late on my credit report this institution has a record of reporting customers accounts inaccurately and Im here to challenge and fix my error that is mistaken

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX XXXX, my bank account & all of my details were mysteriously unlinked from my cashapp account & replaced with details from an unknown person. I didn't recognize the details, nor do I know how they gained access to my account. Everytime I tried to remove their info & replace it with mine, they changed it back. Infuriatingly cashapp has no option to log out of other devices or see what devices have been logged into the account. Eventually, my account was locked a few hours later. 

I got an email on XXXX XXXX, XXXX saying my account was unlocked, however in actuality my account was just deleted, causing me to lose my previous balance. I previously had {$170.00} in the cash app balance, {$100.00} worth of XXXX XXXX, & {$20.00} worth of XXXX XXXX XXXX stock all through the app. 

I have made multiple attempts to contact cashapp customer support but each time they say they will investigate the claim & then never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: NC
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:
Equifax - I have sent several dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NC
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:
Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX  out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after XXXX week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX  out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after XXXX week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.

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 2022-10-05
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was result of identity theft, I do not owe this debt, have disputed debt but the agency wont remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Blackhawk Network Holdings Inc.
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a virtual prepaid mastercard from XXXX with which I have been making online purchases on XXXX and XXXX online stores. 

I also linked the card with my XXXX account which is more convenient for me to make purchases at ease. 

I recently noticed that my card had been declined being added to my XXXX account and when I tried to find out the reason, I was told that I should contact the issuing bank for details of the decline. 

I have gone on the telexfree website as directed and I could not get a solution to the problem. The phone number on the virtual mastercard does not provide any solution the the problem. 
Telexfree does not have any means of interacting with them when you have problem with the prepaid card. 

XXXX XXXX which is supposed to be the issuing bank had refused to attend to my problem and keep referring me back to Telexfree.myprepaidcenter.com which does not have any solution to my problem. 

All these make me feel it is an intentional act by XXXX to frustrate and discourage us from using what is left in the virtual card. 

Please assist me with your office as I do not have any other place to go to. 

Thanks. 

I will be expecting your response soon.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation