BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
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:
I have reported identity theft to FTC, I have police reports and evidence. I spent over 37 hours of my own time calling and writing to Equifax. XXXX and XXXX XXXX no avail. 

I have filed XXXX disputes they do not even look at evidence and are impossible to reach. This is the company who breached my information to begin with! They are not only responsible for data breach but they have done nothing even after being charged as guilty in court. How this company is still allowed to monitor the nations credit is just insane. Its criminal. 

I reported disputes on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Over and over I have file disputes for the identity theft that I have clear cut evidence for. 

My identity was stolen and they opened up a XXXX XXXX, XXXX XXXX, XXXX and took out loans! 
My credit score was XXXX and now its XXXX! 
I cant get an apartment or a loan this is destroying my life! 
Destroying my credit and Equifax is partially responsible its incredibly ironic that they have control over my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: DE
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Cosmo Credit Repair
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I signed up with Cosmo Credit Repair ( XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX ) in XX/XX/2022. They promised to remove negative items from my credit report got the amount paid. They stated that I had to pay upfront for them to begin filing disputes on my

credit report. Over the last three months, Ive seen no deletions from my credit report as they promised. I requested a refund and was told credit repair takes up to six months to see any actual changes. After going to the CFPB website,
I realized that I was NOT supposed to be charged upfront and that it is illegal for these companies to do so. To this day they have taken over {$1000.00} from my bank account! 

After speaking to the representative at CFPB, this complaint is the first step in the process of reporting this company. XXXX XXXX XXXX is now disputing and has put a stop payment on any transactions from this company. Per the representatives instructions, I plan to submit a police report and file a report with the Texas Attorney General and FTC.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-02
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Comenty website and account access still down. It has been over 2 months since they claim they are in the midst of a system update and I literally can not make a payment. There are hundreds of people complaining on Comenity XXXX XXXX page. 

Comenity is reporting me now as 2 missed payments when it is their fault that we can't make payments and my XXXX score has gone from good to poor. 

This is making it impossible for me to lease space for my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Problem with personal statement of dispute

Complaint:
I recently got a response back from Equifax indicating I was responsible for the fraudulent accounts on my credit, but I do have proof they never even investigate my dispute. My account still hasn't been updated, and the XXXX XXXX account on my credit report Equifax is claiming I am responsible for dates are inconsistent. The reported date, and open date are just impossible. My identity was stolen and used during the XXXX Equifax data breach breach, and I received credit repair services from Equifax, but still refusing to dispute my filed disputes. I am not responsible for XXXX, XXXX XXXX, and XXXX. I have not done any business with them nor have I signed any contracts with them. I requested documents to verify the method Equifax used to investigate and determine the accounts belong to me on numerous occasions, but I have not received anything as of today the XXXX of XX/XX/XXXX. They are violating my rights, and I would like some help with this. I've been battling with this issues, and it is taking a toll on my mental. It has made life extremely difficult for me, I need some professional help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CBC Companies, 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:
TODAYS DATEXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After I was made aware that they were investigating my first complaint via this agency, they update my credit report by only removing the settlement amount from my insurance company not the complete removal allocating the difference between payments of settlement and amount owed. I have continually supplied Mercedes Benz financial with the gap insurance documents concerning said vehicle and policy that was purchased straight through their company. When looking through my online account with Mercedes Benz financial they currently state that I owe XXXX dollars in XXXX of XXXX. They continue to falsely report on my credit report, honor the gap insurance purchased via Mercedes Benz financial themselves and now are holding up millions of dollars in EIDL funding due to their misreporting that a balance of approximately XXXX dollars is actively owed on the account. This account is closed and paid in full yet they refuse to close it out in a timely manner and in concerns to all insurance and/or financial institutions which operate in this great country the USA they must act in good faith and if not they risk civil penalties concerning damages suffered by such bad faith actions including but not limited to monetary damages suffered. The employee investigating the first report does not return calls or questions and Mercedes Benz Financial continues fraudulent reporting to the credit bureaus forcing me to make payments continually in order to secure more payments while they delay in their first investigation of the primary complaint. They have collected over XXXX dollars from me in addition to the settlement received from XXXX. Customer support was contacted this day of XX/XX/XXXX as representative XXXX, refused to release last name, assisted confirming no payment due until XXXX for some odd reason as the reasoning was unknown to even him. He advised that they will continue to report payments and active status until finished in processing which now has been over 4 months. Settlement negotiated that of XX/XX/XXXX as advised of total loss settlement by XXXX customer service. Mercedes Benz financial agreed to release the additional payments made to account through their blackmailed activities forcing me to pay for this entire period. Now today this customer service agent states no such notes are on the account. The lies and deceptive nature of this institution will be evident through my pursuit of reasoning of such activities must be addressed and damages paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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 understand your and the companies " reply. '' However, I sent all the information by hard copy in response to their hard copy letter of inquiry. 

My response was mailed USPS Priority, Return Receipt Signature Certified. 
From my USPS office, to XXXX, their offices is XXXX XXXX maximum delivery time. They have had ample time to sign the receipt and confirm my very complete package of documentation mailed to them on XX/XX/2022. 

Why have they not confirmed the receipt of the documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: UT
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 Debt Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C.1681 Section 602 A. States that 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. KOHL 'S DEPT. STORE ( THRU CAP ONE BANK ) DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) KOHLS REPORTED THE ACCOUNT ON XXXX 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A XXXX BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: CO
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 CREDIT REPORTING AGENCIES ( EXPERIAN, XXXX, AND XXXX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX ( XXXX XXXX XXXX ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM UNEMPLOYED, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX XXXX XXXX NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER PREMIER CREDIT PROTECTION CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - EXPERIAN, XXXX, AND XXXX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I recieved an email from Bank of America ( " BOA '' ) which stated that an online application for an XXXX XXXX Banking Account was in progress. I didn't pay much attention to it becuase I thought it was a phishing email. 

On XX/XX/2022 I recieved an email that stated " We're sorry but we're unable to open your Bank of America account ( s ) online. However we can help you open your account at a local financial center. '' I decided to take a closer look at this email and saw that it was actually coming from BOA. I gave the bank a call to report this. I do not now or ever had an account with BOA. These emails are a result of fraud and identty theft. I reported this to the " Check Fraud Department ''. While speaking with the representative, I asked for all the information that was sent to BOA in order to open the account, including a copy of the application. 

The representative that I spoke with refused to give me this information. She stated that the information was " greyed out ''. I asked to speak to a superior and she said they would call me within 24-48 hours. I never received a call from anyone at BOA. 

On XX/XX/2022 I received another email from BOA which asked me to verify my email address. This lets me know that BOA is still in possession of my information and has provided me with no proof that an account was in fact not opened using my identity. 

BOA is aiding in identity theft and fraud by refusing to give me information I have a right to.

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 2021-08-04
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When trying to open an account, I am unable to due to information on my XXXX XXXX report which I have disputed but shows accounts that have been closed and not paid however all debt has been paid and I owe nothing to those previous banks

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 2022-08-02
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted multiple times from random phone numbers that when I call back are not the collection agency that is trying to reach me and they call multiple times throughout the day. As well as I am being contacted by a third party that does not own the debt I owe and they have been provided my personal information from the company that owns my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
The Wells Fargo credit card account in dispute was opened in XXXX. ( PLEASE SEE ATTACHED ) In XXXX the account was paid in full. However, I continued to receive statements claiming a late fee was due. I called Wells Fargo to dispute said late fee and was assured Wells Fargo would bring the account up to date reflecting a {$0.00} balance. 

This never happened the late fees continued to acquire more late fees and interest thus the balance became larger. I continually fought with Wells Fargo about charges and fees to no avail. The situation became so frustrating and upsetting I just left it all alone. Wells Fargo basically tried me out. The information Wells Fargo is reporting is inaccurate and after speaking with FDIC and being made aware of my Rights. 

It is also unlawful for accounts older than 7 years old to be reported to the 3 Credit Bureaus.

Furthermore, I can assure you I HAVE NOT entered into payment negotiations with Wells Fargo or in no way agreed to pay any amount of money Wells Fargo claims it is due.
This needs to be deleted immediately due to the negative impact its having on my credit profile. Please update my Credit File reflecting the corrected records and forward to all 3 credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
Payment history is inaccurate. I never missed a payment. The company doesnt report my payment every month.

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 2023-03-13
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 have constantly told these people i have never lived at this address and they continue to report. i cant receive nor use the adress at XXXX XXXX XXXX. someone used this address and opened multiple accounts. i dont know what other documents they need. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit reporting Act the following account has violated my rights. MARS INC # XXXX, {$4200.00}, U.S.C 1681 Sec. 602 states I do have the right to privacy. U.S.C 1681 Sec. 604 also states consumer reporting agencies can not furnish an account without my written instructions.

This account has been removed from some bureaus and some not, or the very often reappear themselves with a different collector or appear twice.

Company response to consumer: Closed with explanation