BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
for the last few weeks i have been attempting to validate that i have a freeze on my Equifax credit bureau accounts.  I have NOT been able to do so at Equifax.  I have been able to do this at XXXX and XXXX.When speaking with Equifax they repeatedly tell you to call a phone number or go to their online site.  I have done both repeatedly.  They always say cannot help me, there is a problem.  The only way i can correct the problem, they tell me, is i have to mail them my drivers license and social security number.  I have been told this by multiple reps and their supervisor.  When I try to follow thier instructions to check my freee online, I fill in all the online information but it ends with a screen that again says there is a problem, i have to call.I have spoken with multiple representatives, spoken with supervisors and when i asked to speak with a manager was told none was available.  None of these people do anything more tha read a prepared script that says there is a problem on my account and  the only way i can resolve it is tht i have to send them my drivers license number and social security number - which i do not wish to do due to my concerns over it's security implications.  Plus, I have had dealings with Equifax long ago so know they have all this information already and have had it for decades or more. My credit accounts have been around for a very long time. I need help with these people without having to expose my critical personal data via mail or fax; data they should already have.  all i'm trying to do is to confirm i have a freeze on my credit accounts (especially, due to the lacks security this company has exhibited).I need to be insured that i can maintain my account's freeze status and i need to know i can get my free credit report without all this extraneous hassle.MOST IMPORTANTLY, I NEED TO BE INSURED THAT MY EQUIFAX DATA HAS NOT BEEN COMPROMISED!I am hoping you can help me get this corrected at Equifax.  Their service levels are poor and I cannot get anyone there to accomplish what i am trying to do.  The role they play in our financial system is too critical to not allow the public to gain access to their own data without having to provide even more critical personal information to do so; especially since Equifax must already have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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: Account information incorrect

Complaint:
Equifax should not be reporting the XXXX XXXXXXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXXXXXX XXXX I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Equifax. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: IN
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 sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: PA
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:
My information was part of the Equifax Data Breach. The FTC has been sending me updates regarding the settlement process. A few weeks ago I responded to the FTC’s link to choose how I wanted to receive a settlement when the case was finalized. I chose to receive the cash settlement option. Then, last week, XX/XX/XXXX, I received a letter and check from Equifax for XXXX. See copy of the letter and check below. So today, XX/XX/XXXX, I tried to call both the phone number and the email provided in their letter to ask a question about why they sent the check at this particular time and for the amount stated above. Both the phone number and the email are non-working. I then called the FTC about the non-working numbers and the letter I received. I was directed to the Consumer Financial Protection Bureau. I spoke with someone who provided me with contact information for Equifax and also said I could file a complaint I I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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 is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
CONFIRMATION NUMBER : XXXX I am filing this complaint because Equifax has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
State: CA
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:
Granddaughter ( XXXX ) used her CR.CRD. w/XXXX - reached her limit. Then .... 
XXXX accepted more purchases and charged MY credit acct. totaling over $ XXXX. 
My disputes with Citibank/Costco have been denied. ( We share address ).

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 2020-01-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$72.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$72.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received my credit report in the mail and noticed a new collections account added from a company I had never heard of called CFSI. I received notice from them regarding a debt 2 months ago. I immediately sent them a dispute and verification letter 3 weeks before the 30 days were up to dispose, asking for any contracts signed, proof of the statue of limitations, and proof that this debt belonged to me. Afterwards, I never received any other correspondence from them to verify this alleged debt. The next notification I received was it appearing on my credit report. I have not received any services from this company. This alleged debt was added without notification to me and no right was given to dispute it. Not only did they not allow me to verify this debt, this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: GreenSky, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
my wife and i hade some home remodeling completed thru XXXX XXXX of XXXX pa. we met with the sales rep -XXXX  XXXX who informed us abut a loan with 0 % finance charge. essentially he proposed a job which cost XXXX and infront of myself and my wife said its 0 % so your payment would be XXXX we could not afford tat so we had a revised/adendum to reflect less work so a smaller charge of XXXX again XXXX came to the house and said alright now at 0 % for 60 months your payment would be XXXX. Now i get a bill from Green sky Financial charging {$120.00} far from the {$100.00} that was quoted. i called green sky and was informed there is a finance rate of 1.66 % thats why the bill is more. 

I contacted XXXX XXXX and explained this is misleading at the very least and definitely a training issue. after talking to XXXX the manager I found out they also over charged me. this entre practice was deceitful and Green Sky financial was of no assstance. The seem to be predoratory lending with all parties envolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: DISCOVER BANK
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:
I had signed up with a debt consolidation company back in 2018. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company XXXX XXXX XXXX XXXX They are no longer in business and one of the owners of the company is in XXXX I am trying to get XXXX XXXX and Discover off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: STEWARD FINANCIAL SERVICES LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
Steward financial loan terms are keeping me underwarter on my car loan, despite attempting to refinance directly thru them, and all attempts to make the issue better and financially feasible for both parties. 

the representatives are rude, do not listen to customers, have horrible attitudes with the power to make ones credit report horrendous. 

i have walked into 4 separate car agencies attempting to get out of the sub prime loan with each unable to assist due to the XXXX negative equity,. 

i have made two years of on time payments, per experian credit report. I was late 1 business day and they were not graceful in helping me keep that from being reported. 

the orginal loan was for roughly 20K with monthly payments of XXXX after two years the principal of the loan has only went down XXXX dollars.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-20
Company: Upstart Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A loan account was setup with monies put into checking without my permission. 
Monies were wired to another account out of my account. 
Now loan company wants to be paid in which I do not have the funds as I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This bank is crazy I am very upset I just received a letter from them that after my anniversary year Ive been a good customer and they decreased my credit limit! When my credit is good it has not changed I dont agree with this letter and saying the reasons Ive never been delinquent and that is one of the reasons ans saying I use my card for cash advance I used it only once and I always pay them back I called customer service to complain they do nothing they dont care they should reinstate my limit to the way it was instead of telling me to request a limit increase this is ridiculous why bother when they will decline me this is not fair how they treat a good customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-04-30
Company: Collection Bureau of America Ltd.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CBA aka Collection Bureau of America is continuously refusing to send me proof of the debt they are claiming I owe and they have verified. I have now sent XXXX certified letters demanding proof of the debt. I stead they sent me a screenshot of their own data base titled Account Financial History. I have never signed any of this. I never agreed to do business with these people. It is clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-04-30
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX {$0.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : EQUIFAX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have submitted a complaint previuosly on LexisNexis and they responded to CFPB that they would remove an Death Declaration on my file and that they would issue a letter to me stating that they had removed the mark on my file? They said vaguely in the, enclosed letter, that they would remove the negative mark in my file and that I could request my file along with the reporting parties that filed a death notice on me.. 
This was 2 weeks ago and no response from LexisNexis!! 
I want my file and the parties responsible for reporting me as deceased immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: GA
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I received via Postal mail 4 letters, AFNI Account Reference Below : Account reference # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX addressed too my personal name, by a 3rd Party Collection Company named AFNI, I called and spoke with 2 people who put me on hold then I was left to leave a message, then it hung up. I previously 4 years prior spoke with the Company claiming a debt, they couldn't verify what was purchased but said I received a product, and they finance it ... prior to this I had on record had my identity stolen, several accounts of credit opened up in my name, I did not authorize ... I have since put fraud protection on my credit file and had all 3 major credit reporting agencies updated, the company Affirm the alleged debtor, has expired the time allowed to collect, PA law is 2 years has been over 5 since prior contact, and in prior communication was alerted in XXXX that I did not purchase and was sent a fraud package, since then I had not heard from them. AFNI is not a recognized party, and I demanded they cease and desist in accordance with fair credit reporting act law. AFNI hung up both times and did not allow me to dispute, nor can I send a Cease and desist notice to their P.O.Box address, I need a physical address to do so!!!!

Company response to consumer: Closed with explanation