BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureau Equifax to investigate my credit report for inaccuracies and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 
I received the investigation results as not being reported and it is not possible due to the multiple errors and derogatory marks. Equifax did not do a complete investigation to verify the information as accurate. 
I am entitled to an accurate credit report. How is it possible that the listed accounts were validated, accurate and investigated if the reported information is wrong and derogatory and a violation which is cause to be deleted from my credit report. 
I have enclosed documentation proving multiple violations. All information regarding the all of the closed XXXX XXXX XXXX accounts, closed XXXX  XXXX account, closed XXXX  accounts which are inaccurate on my Equifax credit profile which is a violation of the Far Credit Reporting Laws. A previous credit report and updated credit report is enclosed. 
These violations are holding me back from getting funding for my business, its hurting my car loan rates and payments. Equifax is violating my rights by not doing a complete investigation and reporting inaccurate and negative information. 
15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Sterling Infosystems Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have never lived or even been to XXXX XXXX Mississippi but I was checked for criminal activity in that county the same as my other previous addresses as if I have lived there, I have had previously had issues with my social security number being used in places where I have never been and wasn't sure how to fix it. Not sure if it is related but I figured I'd let you know in case you can help with that also ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete 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 2021-05-07
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We started receiving calls from Discover Financial Services, which we did not answer as we were suspicious as to authenticity. We are Discover customers and when they do contact us they leave a message, email, and/or text ( regarding suspicious activity. ) On XX/XX/2021 my wife took a call from them. They are seeking to speak with our adult son who does not live in our home. We took the message that they want him to call. Discover continued calling, usually several times a day. Since speaking with them on XX/XX/XXXX, which was two weeks ago, they have called 49 times, including three today ( XX/XX/XXXX ). I spoke with them, advised them we had spoken to them on XX/XX/XXXX, advised that they should not be calling and not to call again. 

Our telephone service maintains a log of calls, so I have a record of each call received. They never leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2021-05-07
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Zelle is the Only App that does not have any accountablilty nor does it warn users that sending money to a stand alone zelle app is not protected..Zelle and XXXX  XXXX only notify consumers after the money has been given and it does not matter if the president of the United Stated says it is fraud..the defense is that you should only use zelle for family and trusted friends..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: AL
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 filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
2 years ago i XXXX XXXX XXXX Filed a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.

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 2021-05-07
Company: Bridgecrest Acceptance Corporation
State: VA
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:
BRIDGECREST CREDIT C and XXXX XXXX XXXX C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI Collections has reported a collection account to my XXXX  XXXX XXXX  credit files stating that I owe {$510.00}. I do not owe this alleged debt. All equipment was returned to XXXX XXXX XXXX. I have the receipts, therefore AFNI has no legal right to attempt to collect a debt. There is no debt owed. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school

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 2020-07-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi team, I received the following email from mattress firm with regard to my synchrony credit card account. Oddly enough this account was closed back in 2018 and yet they were able to place a substantial charge without any sort of authorization or involvement on my end. I wonder if I was the only person impacted or if this was more common. Also I question the security of a company if they can charge a closed account. 

I called and confirmed this was a valid email ( not spam ). 

Thanks for investigating! 
XXXX Email : Good Morning XXXX XXXX We recently experienced a glitch within our system that resulted in us inadvertently charging your Synchrony Finance Account {$2400.00}. The error has been reported to Synchrony and we are working with their team to reverse these charges. Since this error occurred on the back end of our system neither the store you made your original purchase from nor our customer service department will have any record of this duplicate charge or be able to assist with correcting the error. Please know, we are working to correct this and will send a follow up email once Synchrony has confirmed the charges have been reversed. We apologize if this error causes you any inconvenience. 



Thank You Mattress Firm Customer Care

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 2020-07-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax Information Services LLC is mishandling my credit data and damaging my financial health. An Equifax Information Services customer care agent informed me that Equifax Information Services is reporting my social security number under someone else 's name. Equifax Information Services is refusing to provide a credit report to me under the claim that I have no established credit history. This is an outright lie, as I have confirmed with both credit card companies with which I have had accounts for longer than six months that both companies are reporting my credit data to Equifax Information Services. I was made aware of this problem on XX/XX/2020. I have provided numerous forms of identification on three occasions via mail and fax, as directed by multiple Equifax Information Services customer care agents. I was told that any information regarding this dispute would be relayed to me via mail, but I have received no mail informing me of the progress of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from Victoria Secret dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with Victoria Secret. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from Victoria Secret looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to Victoria Secret but it was so long ago I have to wait for the bank to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I keep getting declines from capital one saying I have too many negative accounts with them and I wan na know where? Please see attached letter I received today. Ive asked this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to dispute my report from XXXX  and it would not let me submit. They have incorrect information on my report that negatively affects my credit history that are over7 years old.

Also, the same issue with TransUnion XXXXXXXX

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 2020-05-29
Company: Global Portfolio Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from XXXX XXXX dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with XXXX XXXX. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from XXXX XXXX looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to XXXX XXXX but it was so long ago I have to wait for the bank to send it to me.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-25
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I transferred my portfolio from Robinhood to XXXX. During the process, Robinhood charged me {$75.00} transfer fee without notifying me. I asked them where the disclosure was and asked for a reimbursement. They pointed me to a FAQ page which didn't show up during the transfer process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Investigation took more than 30 days

Complaint:
I sent a letter to all three credit companies on XXXX and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern, I have disputed the accuracy of the bankruptcy listed on my credit report with the reporting agency twice now. Each time they have e-mailed me a decision stating that the entry will not be removed. Twice I have asked for the information used to determine the accuracy of this entry and have not received the information. Under the Fair Credit Reporting Act I have a right to this information. Reference the related section of the FCRA below. I am also attaching the two correspondences from the credit reporting agency stating that the information will not be removed along with copies of the letters I sent and a press release from the XXXX listing the requirements for reporting the judgement. Lastly, I am attaching a copy of a letter from my local county court that states that information is not directly shared or have been requested by the agency. 


611 ( a ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;

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 2022-02-24
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KY
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:
I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX  ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.

Company response to consumer: Closed with explanation