BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-27
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:
In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attn : XXXX  XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX Experian and XXXX report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within XXXX days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, 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 2022-12-22
Company: Experian Information Solutions Inc.
State: WI
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:
After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

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 2018-09-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am always on top of my payments so you can imagine how shocked I was while reviewing my credit report and saw a 30 late payment on it. I have no idea how this could have happened. Whenever the statements come, I make sure to pay them right away. My only thought is that the statement never got to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My daughter purchased a NetSpend reloadable Visa card so I could pay for my car insurance. I registered the card but inadvertently used her ss #. I thought I had to use her ss # because she purchased the card. When we called the car insurance company, they told me I had to use my ss # to associate my name with the card payment. We immediately called to change the information on the card but was told it would take several days for the information to change. I only had two days before my insurance lapsed and waiting for the change was out of the question. We called for a refund in the amount of {$190.00}, what my daughter paid for the card. They supposedly mailed the first check on XX/XX/20. I never received the refund check. I called three times and was told to call back after XX/XX/20 so they could investigate what happened to the check. I called again on XX/XX/20 and was told a replacement check would be mailed out. I reported the incident to XXXX on XX/XX/20 # XXXX. XXXX XXXX from NetSpend contacted me on XX/XX/20 and stated the second check was mailed on XX/XX/20 and if I did not receive the check by XX/XX/20 to call him directly at the number he provided and they would have to figure out alternative methods to refund my money. On XX/XX/20 I called and left a message. I also left a message on XX/XX/20 and my calls were not returned. I finally contacted him on XX/XX/20 and he stated he was on vacation and received my calls. He also offered to send a money gram but I told him I am no longer driving and would not have access to a ride to get to a money gram location. I refuse to take public transportation because of COVID-19. I suggested he mail the check to my daughter in Virginia, the original purchaser of the VISA card, to deposit the check into my bank account, he said no because the address is different than the one registered to the card. XXXX also stated they would not be able to send a third check out. I also asked what did we need to send to change the account to my daughter 's but I do not recall him answering my question. At this point, I am not sure what is going to happen. We want a full refund and hope the company will cooperate and send the check to my daughter. XXXX was supposed to research the 2nd check to see if it was cashed and get back to me today, XX/XX/20 but never did.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from 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 explanation
Consumer complaint received 2019-04-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit System - XXXX - is reporting on my credit report for an account that was erroneous and already paid through my deposit. This should have never went to collections and I am currently in the process of taking them to court. 
It is paid already but it was sent in error and I am still fighting it with the original creditor as they are known for this type of practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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/21, I sent SchoolsFirst FCU a letter stating the following information pursuant to 15 USC 1692g ( b ) : The alleged debt of {$3900.00} is disputed. 

They received the letter on XX/XX/21. See Exhibit A. 

On XX/XX/21, I received communications from SchoolsFirst FCU in the form of an Account Summary. They did not cease attempts to collect on the disputed debt of {$3900.00} for 30 days until they obtained proper verification of the alleged debt, or provide me with the name and address of the original creditor, pursuant to 15 USC 1692g ( b ). They continued to send bills in the form of an Account Summary on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. See Exhibit A. 

On XX/XX/21, I filed a Small Claims case against SchoolsFirst FCU. See attached. 

On XX/XX/21, I received communications from XXXX  stating that the disputed debt in question was DELETED. See attached. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of phone calls at very inconvenient times without any prior consent given directly to them to do so, which is a violation pursuant to 15 USC 1692c ( a ). See Exhibit B. 

On XX/XX/21 and XX/XX/21, I received communications from SchoolsFirst FCU in the form of a letter, using obscene or profane language, threatening to report this account to the credit bureaus. By doing this, they have ruined my general reputation as a consumer. SchoolsFirst FCU is in violation of 15 USC 1681. See Exhibit C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Waypoint Resource Group, LLC
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 information incorrect

Complaint:
XXXX XXXX and Waypoint Resource Group are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: FL
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:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

US Bankruptcy CourtMiami XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX Case or ID # XXXX Disposition DISMISSED Bankruptcy Filed Date Filed XX/XX/2014 I have contacted the court and verified they do not provide any information to the credit bureaus. It is the credit bureaus responsibility to DIRECTLY verify this information. This has not taken place. Verification by XXXX is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Several times now supposedly TD bank has specifically either not correctly updated my address or has updated my address to the wrong address for no necessary reason despite explicit instructions otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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: Was not notified of investigation status or results

Complaint:
There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I open an account with XXXX XXXX on XX/XX/XXXX I paid for account in XXXX and account showing charge off which is a tax write off otherwise known as income also reach the statue of limitations. Which mean that it should not be 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 2022-02-16
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID ad it contains my full complaint request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX I pulled a copy of my Credit Report to find an erroneous posting by HELVEY & ASSOCIATES located at : XXXX XXXX XXXX XXXX XXXX, IN XXXX  where they claimed I owed them {$180.00}.

OnXX/XX/XXXX I sent HELVEY & ASSOCIATES a Certified Letter disputing their claim. HELVEY & ASSOCIATES either failed or refused to respond to my letter which is a direct violation of the FDCPA and the FCRA.

On XX/XX/XXXX I sent a follow-up letter via Certified Mail to HELVEY & ASSOCIATES warning them of their violation and my intention to file suit to correct the issue.

On or about XX/XX/XXXX I received a letter from HELVEY & ASSOCIATES stating that the account in question had been canceled and that it would be removed from my credit reports ( see enclosed letter ).

To date, the removal of this erroneous account from my Credit Bureaus as stated in their letter has not happened.

I am filing this complaint in order to exhaust my administrative remedies prior to filing a lawsuit against HELVEY & ASSOCIATES.

Thank you for your prompt attention to this matter.

Very Truly Yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
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:
Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. 

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. 

Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 unauthorized Hard Inquiries are listed below. I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally. 

Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. Then finally they told me it woukd be deleted in the next 24-72hrs but yet its still on my report. 

Duplicate Hard Inquiries : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation