BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
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:
I have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which 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. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2019-06-05
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had did a transaction on cash app for {$270.00} to receive a product on XX/XX/XXXX. I never received my product I contacted Cash app they told me to go through my bank I went through my bank they gave me a provisional credit then took it away in which caused a lot of fees in my account due to the merchant stating I need to fight the transaction with them directly and from that point I have been doing so and to no avail they will not contact me back nor acknowledge my emails for help. Before I go and file a suit against the company and the person I just want my money out back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: AZ
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 called and spoke with a customer service agent there at Equifax explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: ERC
State: MA
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:
There is this account in collections on my XXXX credit file that I do not recognize, the account is showing with a status of in collections but the problem is that I never had an account with this company called ERC or XXXX XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2016. I have disputed this account with XXXX and for some reason they tell me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Charging over draft fees when I have enough amount.

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 2018-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This company has RIDICULOUS interests rates that are not clearly explained up front. My card was charged XXXX and Im being told that only XXXX of that goes towards the loan, the rest is all interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NY
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'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've been corresponding with TransUnion since XXXX of XXXX about derogatory accounts that they conveniently placed on my credit report that doesn't belong to me. I checked my credit report again in XXXX of XXXX and contacted TransUnion about derogatory information that they placed on my credit report that does not belong to me and they informed me that they would look into it. I wrote to them on XX/XX/XXXX outlining those accounts that wasn't mines. I received a letter dated XX/XX/XXXX from TransUnion stating that they verified certain information to be Accurate. I further investigated and then went back to my credit report and noticed that TransUnion had placed 8 more derogatory accounts on my credit report that didn't belong to me. All together they placed about 13 derogatory/non-derogatory accounts on my credit report that doesn't belong to me. I wrote another letter to TransUnion requesting that they send me the proof that they have verifying that those accounts was mines. I then received another letter from TransUnion stating that they would do further investigations and that it would be completed by XX/XX/XXXX. To this date, those accounts are still on my credit report hindering me from obtaining a loan and its interrupting my quality of life. I am hurt and ashamed due TransUnion 's bogus credit reporting practices. On Monday, XX/XX/XXXX, I again contacted TransUnion about the removal of the derogatory information and they asked me for the accounts again, and, again I gave them to them. I was told that they were sending my account to some type of FastTrack for further review and they stated that I check back with them in 5 business days. I am suffering, humiliation, setbacks, mental distress, etc., due to TransUnion 's bad credit reporting practices. I truly believe that they target certain people.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My credit report contains a significant number of unauthorized accounts, as well as erroneous reporting of Information on my Credit report. Someone has stolen my identity! As a result, I filed a formal report to the FTC with XXXX XXXX XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX. XXXX Balance : - XXXXXXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX-discharged Reference # : XXXX. I have read that as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.

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 2021-07-18
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:
I have contacted this company regarding the deletion of several items on my credit report. They refuse to delete them even tho I have offered to give them proof that the creditors themselves said the debts need to be deleted. Equifax actually has deleted these items before and then placed them back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: AZ
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: 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 U S C # 1 XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX # 3 XXXX  XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # 5 XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 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 information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
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:
I'm waiting on the update from Experian, however, XXXX also did their research and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX and XXXX XXXX which was deleted on XXXX. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove the defamation of information.

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 2021-03-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Midland Funding Account # XXXX asserted collection for XXXXXXXX XXXX for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. Midland Funding is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, Midland Funding has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals Midland Funding extending this reporting time by an additional 2 years. 

The actions of this collector is reckless, targeted, and with malice intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
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 several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2100.00}

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 explanation
Consumer complaint received 2019-06-05
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX I called Navient for the second time to attempt to resolve a delinquency and attempt to negotiate lower payments on my account for an extended term seeing as I could not afford to pay the full amount due. I had previously called the week of XX/XX/XXXX to change my regular payment date from XX/XX/XXXX to XX/XX/XXXX. I received an email confirmation that the date had been scheduled and changed. For some reason the payment was never dispensed from my checking account. On XX/XX/XXXX I received an email saying that my loans were past due, upon checking my bank account I realized that the payment amount had never been subtracted directly leading to the delinquency. 
As for negotiating lower payments I had previously been enrolled in the rate reduction program since XXXX and had been able to successfully make payments to continue my enrollment in the program. Upon calling Navient I was informed that I have met the 36 month maximum and can no longer be enrolled in the rate reduction program. Then I asked for other options including graduated repayment plans which I was denied on the basis of my repayment having already been extended and mandatory forbearance that would of allowed me to make an affordable monthly payment based off of 20 % of my monthly gross income which I was also denied and informed that Navient has no such type of forbearance despite its presence on the Navient website. The only option Navient gave me was interest only payments for 6 months that capped at one year. After explaining that the interest amount due would still be unaffordable I was given no other other options to avoid delinquency and subsequent default that will happen starting in XXXX. 
An income based repayment plan and/or a no restriction rate reduction plan would allow me to make affordable monthly payments on my student loans to avoid default/delinquency but currently do not exist within Navient nor any other private student loan provider. This has created an extremely infinite and undue financial burden on myself and many others in similar financial situations despite my willingness to pay an amount that I can afford and previously have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: SYNCHRONY FINANCIAL
State: AL
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 bought furniture from Rooms To Go by using credit card of Synchrony Bank, XXXX XXXX XXXX XXXX, FL XXXX. The furniture shipped by Rooms to Go was damaged and defective when delivered to to me at my home address around XXXX 2022. I informed Rooms to Go about it. They send an inspector to assess the damage. Inspector informed us on the day of inspection that it is damaged and has manufacturing defects. Therefore it should be replaced by Rooms to Go. After that Rooms to Go did nothing to replace or repair it even after trying many many times. Then I filed a credit dispute with Synchrony bank in XXXX 2022 time frame. They rejected my dispute without asking Rooms to Go to submit their inspection report and without considering the picture evidence of damage sent to Synchrony bank during the credit dispute. I also shared with them the email communication with Rooms to Go. Which they totally ignored during the dispute process and also failed to mention in their final decision in favour of their client Rooms to Go. Please note that I am unable to use the furniture during this time and its occupying the master bedroom. 

It looks like they favoured their client Rooms to Go even though I provided them all the evidence of damage and defects in the furniture. I also shared the evidence communication with Rooms to Go to resolve the issue. Which they totally ignored. I am looking for your immediate help to resolve this issue as soon as possible. I will share the pictures of the furniture damage and defects in this compliant.

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 2023-02-01
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank has non stop called me from several numbers to many to list here. I will block the number and they will get another number and call me from it. Today on XX/XX/2023 they have called me at least XXXX times this morning. This is harassment calling me all hours of the day.

Company response to consumer: Closed with non-monetary relief