BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NC
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 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am resolving the issue because I am financially savvy and stay on top of my finances, but I think about the individuals who are not and it shocks me this is happening in 2021. I have a Raymour and Flanagan credit card with deffered interest through TD Bank with different dates that expire for different purchases. 

I have made a number of additional payments to avoid the deffered interest for the purchase that expires in XX/XX/XXXX and it is not applied to that balance but the one that expires in 3 years. You can not make a payment on their website directly to the deferred balance that expires in the near future, you have to call. 

The hoops to jump through are significant and done by design in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 there was a Breach for XXXX which i was apparently part of. On XX/XX/XXXX I received an email from XXXX XXXX regarding 3 accounts checking, savings and money market in my name that were opened. I did not open them and i contacted their fraud department. Yesterday I received a letter in the mail from XXXX Stating i opened an investment account. I did not and notified them of this. I then went online and put a security freeze on my credit reports and XXXX report. All except 1 company. That was transunion. It temporarily suspended my account because it cant confrim my identity. When i submited request to fix issue it wouldnt let me. I am now attempting to do this via USPS because the only way to contact these people is via social media to which i dont have and dont want to have. They are causing a dely in what i deem a time sensitive issue and id like to hear from them

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 2017-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower [ your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ) . But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  XXXX  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  (  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.

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 2023-07-18
Company: Experian Information Solutions 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-09-14
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am submitting this complaint to you and your company for a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report AND IM NEVER LATE. I typically have my account on automatic but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment. My family and I have been through a lot since one of my family member got sick and we are finally getting back on our feet and this late payment is bringing us back down : JPMCB AUTO XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: DC
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:
Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I did not authorize these

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: OH
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:
XXXX Equifax and XXXX keep reporting information on my reports that are mixed files and they have my name and last XXXX of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX and Transunion keep reporting information on my reports that are mixed files and they have my name and last XXXX of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: NC
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:
This XXXX XXXX XXXX was reporting to my account in XXXX, and it fell out now its back on and the wrong balance is reporting, the dates is wrong, and the lots of inaccurate reporting. One report says its close, one says its in collection this is not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated, but how is that possible if the fraudulent account was never blocked due to identity theft. 

I have sent them a copy of my police report and also informed Transunion that the id theft situation is all ready being investigated and the listed account shall be removed and blocked.

This is ground for removal and they also violated my rights under 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 that a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-04
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have over XXXX disputes with Cash App that never gets answered over XXXX unauthorized transactions with police reports and I still havent receive the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CCF Intermediate Holdings LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A wage garnishment was initiated against me twice by this company without notification and I did not receive any legal papers. I had a payday loan with Speedy Cash in XXXX. I did fall behind on the loan. When I called Speedy Cash to tell them I wanted to take care of the loan I was told that it was sold to a debt collection company. I did not hear from them until late XXXX when someone came to my door to tell me that if I don't contact them I would be sued. The company was XXXX, XXXX and XXXX. I went to the office and paid the {$150.00} and they gave me the paperwork. The had all of my information and they told me they would send me a payment schedule to pay my balance. The balance was around {$1100.00}. I never received any information or phone call, mail, email nothing. Then COVID hit and everything was on hold. I was waiting to hear from them and no communication. Then in XXXX of XXXX I was hit with a wage garnishment without any notification or a notice of a court date. I called the office and spoke to a representative and was told they tried to get a hold of me. They had my phone number and email address. I had moved but I had mail forwarding. I agreed to pay around {$1000.00} up front to stop the garnishment. Now my owed amount was over {$2000.00}. I paid the {$1000.00} and the wage garnishment was not stopped. The representative told me that they had submitted the requests to XXXX XXXX and the garnishment was cancelled. My employer never received the paperwork and the wages were still taking out of my paycheck. It took me 4 months to correct it and to get the money that was garnished back. I was told that my account was on hold until the wage garnishment was corrected. I called the representative five times to update her and no response. I made two payments the last one was for {$150.00} on XX/XX/XXXX. I received another wage garnishment on XX/XX/XXXX which more money was added and I was never served paperwork or notified of any court dates. The original bill was for around {$800.00} and because of the wage garnishments and other fees the total bill is over {$2000.00}. The company knew my cell phone number, email address, address, my daughters cell phone number and my sisters cell phone number. They had every opportunity to contact me if they needed me to pay off the bill at once. I was having medical issues and will have to apply for XXXX but I was still trying to pay it off. 
I'm afraid that if I pay off the additional balance they will get another wage garnishment against me for other fees.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but Equifax keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This was not sent in error, I am a consumer by law and there's false information on my credit report it's been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.

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 non-monetary relief
Consumer complaint received 2017-06-26
Company: Bonded Collectors of Wisconsin, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, 2017, I contacted Bonded Collectors in XXXX, WI., to try to set up a payment plan. XXXX, the agent I talked to, said he would not accept the $ XXXX/month that I offered and said that I would be in contempt of court and that my wages would be garnished if I did't pay this debt off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received letter out of the blue. Years ago, advise not to pa y one cen t. Now, at least 20 years later, a letter. Need advise Thank you

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