BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
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:
Because as you know I submitted a dispute against Equifax .... NOW they wont even allow me to see my credit score from them. Everytime, ( all 48 ) of them I try to log onto that account there pops up a sign saying OOPS unable to connect at this time .... don't you think its a little funny that I cant see my score because I submitted a dispute against them? Well, I'm not done yet, Im doing to submit a complaint about the whole XXXX system and possibly make sure this XXXX  stops .... you are the one supposed to regulate this XXXX and all you do is submit the complaint to the company, you don't make them do the right thing, you don't even follow up on the complaints ... YOU DO NOTHING .... if I can not receive MY credit score, NOT THEIRS, they have no business with my personal information and this company needs to be taken out of business ... if this is the way you think people and their personal information are supposed to be treated, well you're very very wrong .... playing with peoples lives is not legal and I for one will not just sit and let this happen ... XXXX is another one you cant get in touch with so WHY ARE THESE COMPANIES ALLOWED TO HAVE PEOPLES PERSONAL INFORMATION WHEN THE PEOPLE WHOS INFORMATION THEY HAVE CANT EVEN GET TO IT? YOU MAY THINK THIS IS OKAY, BUT I HAVE NEWS FOR ALL OF YOU ... IM NOT STOPPING HERE AND IF YOU THINK THIS IS JUST ANOTHER DISGRUNTLED PERSON WHO WILL NOT PROCEED WITH THIS, YOU ARE VERY WRONG ... .. IF I CAN NOT GET ONTO EQUIFAX AND XXXX TO RETREIVE " MY '' CREDIT SCORE, NOT THEIRS, THEN WE HAVE A PROBLEM AND I WILL FIND THE SOLUTION BECAUSE YOU DO NOTHING AND I CANT FIGURE OUT WHAT YOU'RE FOR? USELESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Information belongs to someone else

Complaint:
Every time I apply for a credit account with XXXX XXXX ( XXXX ) I get denied because Experian sends them information that I have an " unsatisfactory payment history ''. 

I have never been late in my life and no late payments are reflected on 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 non-monetary relief
Consumer complaint received 2021-05-10
Company: Bread Financial Holdings, Inc.
State: NV
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 have two hard inquiries on my credit report I never authorized too XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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:
Equifax takes long to update my credit report update each month and as well i have inquires that was not authorize on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company is FORD MOTOR CREDIT : I have sent in a police report and other case identifying information. That this account was obtained without my knowledge or consent. My credit/debit card, social security card, pieces of mail and etc. Had been stolen. XXXX  refuses to remove this items for fraud. Both of the other credit reporting agency have removed all fraudulent items. XXXX  keeps updating the fraudulent item with FORD MOTOR CREDIT and putting it back on my report. This items is fraud and should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: TN
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 am very upset after seeing my credit report and noticed these inaccurate and unverifiable accounts, because to my knowledge I do not recall any of these accounts I need this problem get fixed asap. I will not wait another 50 days to receive no response because you obviously ignoring me. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my 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 explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15 U.S. Code 1692g if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I CAN NOT believe that Equifax is STILL reporting the account XXXX XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XX/XX/XXXX and XX/XX/XXXX. I am challenging this account for the third time. 
I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$1900.00}. How is this accurate? 

There should be no monthly payment on a charged off/closed account yet Equifax lists a monthly payment of {$1900.00}. How is this accurate? 

Each bureau lists a different monthly payment. XXXX  $ XXXX/Equifax $ XXXX/XXXX  {$1900.00} How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXXXX Equifax XX/XX/XXXX/XXXX XX/XX/XXXX How is this accurate? 

Equifax does not list a date of last activity on this credit report. That is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX takes long to update my credit report update each month and as well i have inquires that was not authorize on all 3 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 explanation
Consumer complaint received 2022-02-02
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions 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:
XXXX XXXX Branch agent & consumer-in-fact contacted the 3 bureaus XXXX XXXX, also experian in a consumer credit dispute through affidavits w/ attached exhibits. All accounts werent deleted as demanded and I am now contacting as consumer-in-fact to continue the investigation that as stated in said documents sent of dates specified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company contact on several occasions speaking about a debt I owed to a college. I told the supervisor that I never received any letter from the school stating I owe them. I told them that I didnt owe the school and I was disputing it. They sent several letters to my home, calling me asking me how I want to settle the account. I spoke to as supervisor XX/XX/XXXX, told them that I didnt owe this amount and the college stated that they could not speak to me about this account. She told me she couldnt help me with this account other to take payment. I told her to not call me again about this account since no one can explain this debt cause I didnt attend no school Summer 2018. On XX/XX/XXXX, they called me again, left message since I declined the call. On XX/XX/XXXX, they called me multiple times when I answered the phone, it was the same thing, how was I going to settle this account. I told the agent that they wasnt supposed to contact me, she placed me on hold and a supervisor came to the phone. I told the supervisor that I dont owe this money because student loans was paid out for when I was attending. I didnt attending school during that time and there was nothing to talk about. I told her that I had requested they dont contact me the last time they call, she told me they not going away. I told her I would hire a lawyer if this continues. At XXXX XXXX, I received another call after hanging up with the supervisor, asking how I was going to settle this account. They are disrespecting my privacy and request. Since no one has an answer to this debt but assumptions, I still state that I dont owe this amount. They have filed it on my credit repair before they contacted me about this account which is wrong since I never was notified of this debt from Conserve or XXXX University beforehand. They received my information by credit report since this is an unpublished number. Complete Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It will not let me file another complaint using " debt not owed by me '' but I have evidence of IC Systems removing their accounts from my XXXX  credit report but failing to do so on my XXXX report. I indicated that I had no knowledge of the debt, because I don't, and they removed the collections account from my credit report. Below are dates from XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, all three accounts are shown. On XX/XX/2018, only one is shown. On XX/XX/2018, none are shown. 

It is illegal for a debt collector to report inaccurate information to one credit bureau and delete collections from another bureau. All information, whether accurate or inaccurate, must be reported the same across all three bureaus. This company will face legal action from myself if not removed 30 days from receipt of this complaint. This debt is not mine, hence why I disputed it, and want it removed immediately.

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 2019-07-11
Company: EQUIFAX, INC.
State: MN
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:
I have student loan under my name and cosigner, with XXXX since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my Trans Union, XXXX and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and 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 2021-04-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I made a complaint earlier this month about an account I have gotten closed that wasn't under my name, and I completely understand why that is. But now, I have opened an account under my name and information, and after I submitted my correct Passport to the PayPal account, it got permanently shut down the next morning. I already contacted PayPal and they said they can't do anything but didn't give any reason why. Account email is XXXX and my name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I signed up for a Bank of America Checking Account in order to receive a bonus upon completion of qualifying activities. I opened the account entirely online. The bank charges a monthly service fee. Upon receiving the bonus I tried to close the account online and discovered that there was no way of closing the account online and that I would have to call Bank of America during their business hours and wait on hold in order to close the account. I believe that Bank of America 's failure to provide an option to close the account online is in violation of California Senate Bill No. 313, which states in section 2c that " a consumer who accepts an automatic renewal or continuous service offer online shall be allowed to terminate the automatic renewal or continuous service exclusively online '' California Senate Bill 313 : https : XXXX   XXXX Bank of America 's instructions for account closure : https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/

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