BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act. According to 15 USC 1681 Section 602, I have the right to privacy. In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions. Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: VA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some 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 fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Equifax won't remove negative items from my report, I called several times and provided documentations, The other Bureaus were able to remove why can't Equifax do the same. Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using prewritten dispute letters which I provided. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge Offs Bankruptcies HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS and pursuant to the following codes it should be removed. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me and Per XXXX XXXX XXXX there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. XXXXXXXX XXXX it's a car repo since 2016 with {$65.00} charge account is charged off, I called XXXX the phone is disconnected maybe there closed why is it still on my credit report. XXXX XXXX XXXX still didn't provide the purchase contract that proves they own the debt. Why is FCRA law is ignored. Please help me don't just write reviewed by the company and close the file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: IA
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I have called twice XXXX XXXX to request a copy of the original email that was allegedly sent to my email on XX/XX/2023 notifying me about the debt. If it was indeed sent on XX/XX/2023 I was not given the 30 day window for me to dispute, verify or pay the debt before it was reported to the credit bureaus. I am requesting a copy of the original email containing the notice with the to and from sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: AMCOL Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 XXXX XXXX this should have been covered by Medicaid with XXXX XXXX as primary. I have insurance it was billed incorrectly XXXX XXXX I have no out of pocket payments not even deductible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally Bank has placed repeated holds on my account and says they can not remove them for an XXXX transaction and some debit cards transactions. 

This has been an issue traveling abroad in XXXX, but has persisted in the United States. 

I am back in XXXX after returning to the U.S due to this issue and can not pay for housing or food or transportation while this issue remains in effect.

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 2023-08-20
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:
ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: U.S. BANCORP
State: CT
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:
XXXX does not have my credit history. Three years ago when I first started getting ready to look into mortgages, the underwriter told me there was no score being reported by XXXX. After trying multiple numbers to reach a human to speak to, I was told to fax them proof of identity. I sent them my drivers license and pay stub with SSN as advised. After doing so, I eventually received the attached letter ( XX/XX/XXXX ). Not only did they continue to insist I do not have a credit history, as well as ask me to send the same documents I already sent them, but also stated my previous request was enclosed and needed to be sent back to them. Nothing was enclosed with this letter. 

I am now having the same problem currently trying to get my credit report from XXXX. Upon calling them this time XXXX XXXX ), I was told they still have no record of me and to contact my lenders. At this point, I only have two active accounts for credit cards ; XXXX and Elan Financial. After reaching out to XXXX, I was met with an employee who simply copied and pasted his script to me and did not interpret or explain my options or why I would pick one over the other. I did end up sending a dispute to this company, with a notice that it could take a month for a resolution, which is quite awhile when trying to buy a house in this market. I then reached out to Elan Financial card member services ( XX/XX/XXXXXXXX  ), and was told to call XXXX because it's a problem on their end. After I told the representative that I had already done so, she checked to make sure there were no errors in my account info, which there weren't. She said I could fax or mail in a dispute and gave me the address, but I currently have no means of faxing anything. I was unsure of the address I wrote down being accurate, so I searched online to verify, and nothing comes up. I can not find any online presence for disputing with card member services, and messaging them through my account has yet to result in any communication.

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 2023-07-06
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wife was connected by XXXX  XXXX XXXX on XX/XX/XXXX. I have had no prior communication. Whatever account was not registered in her name or contact information. I reached out on XX/XX/XXXX for a debt validation letter. I haven't received one. Its has been over 5 days since requested or an option to dispute the debt. Stated debt was from XXXX XXXX XXXX, which I have never held debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In the attachement all information is included. I was XX/XX/2022 through XXXX by someone we had some contact and I was asked to do some trades in the account of this person. this went well and at some point it was suggested to try it as well, I saw that this trading in XXXX worked. 

Following this I had to open up accounts with several wallets like XXXX and coinbase and transfer money to and from there on to XXXX a crypto platform. My money I used during trading. Before the trades we received a goal on pricing and time slot for max trading time. It went well untill the money was lost ( or stolen as it was ). This all happened during XXXX of last year. XXXX gone in the wind... .how can it happen that there are scams like this without any warning or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Reporting company used your report improperly

Complaint:
My name 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 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 2023-08-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The account with Barclays bank opened XX/XX/22 is a fraudulent account and is causing me and my reputation harm ( Per U.S. Code 1681c-2 ). The company reached out to verify the account, and I notified them that the account is not mine. It needs to be removed within 4 business days.

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 2023-08-23
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ok so my stimulus card with XXXX $ on it was stolen out of my mail box I was in XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so when I get out I call and all my funds were stolen I disputed it 2 times I even showed them proof I could have. Not used that card and they denied every 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 explanation
Consumer complaint received 2023-08-23
Company: ALLY FINANCIAL 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Refund Refused For Defective XXXX Merchandise. I purchased an XXXX XXXX XXXX prepaid phone and an XXXX XXXX XXXX prepaid plan from XXXX in XXXX, NJ, on XX/XX/2023. The phone was defective, but XXXX refused a return with the receipt. The defective merchandise was returned at the XXXX store in XXXX XXXXXXXX, NJ without a problem. My bank initially issued provisional credit, but reversed that plus {$59.00} added on XX/XX/2023, making the total withdrawal {$150.00}.

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