BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: OH
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 requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX  responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the 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 2020-05-31
Company: SYNCHRONY FINANCIAL
State: FL
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 had 4 unauthorized hard inquiries on my XXXX  Credit report in the last 9 months, from synb/paypal. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted pay pal and synchrony bank, after the first two, and they said they would remove them. They did not. Then they went on and inquired two more times. This is unauthorized. I have not requested any credit from this company in the last 3 yrs. Please do something about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: OH
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 requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Experian responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the 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 2020-05-31
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Several months ago, I noticed that my rating with Equifax was significantly lower than my rating with the other credit bureaus. I reviewed the report and discovered numerous errors. The summary says that I have too many delinquent accounts, when in fact I don't have any. Secondly, they have my name incorrectly noted. I don't have a middle name, so they put my first name as my middle name and added some bizarre name as my first name. I have spent hours on the phone with them and sent them copies of birth certificate, passport, and driver 's license. I also included a letter from XXXX XXXX, stating that I don't have any delinquent accounts and never did. When I call Equifax and spend hours on the phone, they say that I need to contact XXXX ... I keep telling them that I have and they have a copy of the report from XXXX. They steadfastly refuse to update my name saying now that there is nothing that they can do about a name change! When I ask why was I instructed to send in documentation to prove my legal name, they say that the agent was misinformed. Equifax is abusing privileged information and refuses to work with me on fixing this issue. I am shocked at how inept and incompetent they are. They also employ individuals who are rude and surely - nevermind useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
From XX/XX/XXXX, 2017, through XX/XX/XXXX, 2017, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: AZ
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/2019, I sent proof by certified mail to Equifax to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. Equifax filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: UT
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:
The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020

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 2021-01-29
Company: EQUIFAX, 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:
I wrote XXXX and Equifax about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but XXXX and Equifax are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: DISCOVER BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Its been 3 months and contacting both Discover and XXXX because my XXXX account is locked. Discover tells me they have no control over the account being locked and all they could do is send an email to XXXX to unlock it. I called XXXX and they refer me back to Discover saying only Discovers team has access to the account. I keep getting thrown back and forth with no resultsvery frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: KY
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 or about XX/XX/2022 company was contacted in regards to accounts in dispute. and was requested to remove all incorrect address as the only address should be XXXX XXXX XXXX XXXX ky XXXX furthermore company states that accounts come back as verified by reporter of the information but when advised that company who reported information has failed to respond to request for account level documentation and verification of account company allows information to remain,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX XXXX  billed me for {$1100.00} dollars and was sent to collections. On XX/XX/XXXX I was XXXX  until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I requested Discover Bank to provide all requested documentation pursuant to 15 USC 1692 ( g ) ( a ), 15 USC 1692 ( g ) ( a ) ( 1 ) ,15 USC 1692 ( g ) ( a ) ( 2 ), 15 USC 1692 ( g ) ( a ) ( 3 ), 15 USC 1692 ( g ) ( a ) ( 4 ) and 15 USC 1692 ( g ) ( a ) ( 5 ). I am disputing the validityof this alleged debt.

I am requesting the name and address of the original creditor pertaining to this alleged debt. I am also requesting copies of a signed contract with Discover Bank pertaining to this alleged debt. 

As of XX/XX/2021 Discover Bank has still not provided all requested documentation. 

If all of the requested documentationis not provided I will be taking legal action against Discover Bank and XXXX, XXXX  & XXXX for the continued violations of my consumer rights, continuedattempts to violate my U.S. Constitution IV Amendment rights and harassment. 

I do require Discover Bank to satisfy these demands immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
XXXX XXXX has been listed on my credit report. I have called them directly and they can not verify my information or why the charges are on my report. When I disputed with XXXX on this matter, they simply blow this off and offer no proof that I have ever done business with this company. I have no knowledge of this company and yet it sits on my credit report. Please remove XXXX XXXX XXXX for {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About XXXX years ago, I paid the debt below in full : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX Account number : XXXX Reference Number : XXXX On XX/XX/XXXX I received a letter from and spoke to XXXX XXXX of XXXX XXXX XXXX and stated debt was paid years ago and not to contact me. 

On XX/XX/XXXX I called and said I do not owe the debt and not to contact me by any method. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-06
Company: Experian Information Solutions Inc.
State: RI
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 filed a dispute and nothing was updated. I included a letter from my creditor ( XXXX ) saying they agree to remove the late payments from my account but the dispute was said to be completed but there is nothing updated in the dispute and it doesn't say one word about anything in the results not any explanations. Dispute number 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 2021-06-02
Company: WAKEFIELD & ASSOCIATES, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Was not notified of investigation status or results

Complaint:
Experian is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.

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 2019-08-09
Company: Experian Information Solutions Inc.
State: CT
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:
Ive received the response to my dispute with Experian regarding their satisfying the Method of Verification requirement as per the FCRA. I appreciate that they felt the need to give a general discussion of their process of which I am well aware but have in no way stated how the satisfied the law in this case, nor have they provided the requested specifics of how they allegedly verified this information. 
The FCRA is a law that was created to protect the consumer. What is the point in having laws if theyre not going to be followed? FCRA Section 611 ( a ) ( 6 ) and ( 7 ) provides for the method of Verification and the fifteen day allotment passed with none of the requested data that was my right to ask for, who was contacted at these companies to verify the data, what documentation was used, etc. Otherwise anyone working there, even the janitor can say something was verified, if the company was even contacted to verify. When damaging information is placed on ones credit file, one has a right to ask for specifics! XXXX XXXX   can say this data is verified and accurate within the 30 day timeframe but in my dispute against them directly with the CFPB, theyve taken almost two months to verify without result yet? 
I am aware that Experian has various procedures in place to attempt to ensure their files accurate. What I need here and demand within my rights are the specific process used on this instance! The person contacted at each company! The documentation that they used to claim verification! I dont need to know general procedures. The timeframe has passed to fulfill the FCRA on this issue. Either specific details on who was contacted and what documentation was provided must be provided or the accounts in question, two XXXX, one XXXX XXXX and one XXXX XXXX, must be delete from my file.

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 2020-03-10
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX Dynamic recovery solution send me a letter saying that I'm in collection with them with a credit card that is not in my credit report anymore because it was payoff long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Flagstar bank was negligent in the storage of my personal information and claim they lost it during a hacking incident in XX/XX/2021. I have asked multiple times what information was stolen, for them to permanently delete my personal information and also to provide reimbursement for identity theft insurance. XXXX has refused to take responsibility or action on any of these. They also told me on the phone if I take their offer for XXXX XXXX XXXX, it requires the consumer to give up all rights to hold them legally liable for damages. This is not clearly spelled out and is deceptive.

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 2022-04-05
Company: EQUIFAX, 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:
In accodance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation