BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 Sectign 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 explanation
Consumer complaint received 2016-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I spoke to a representative, XXXX XXXX and she said if I sent my reqest for financial hardship and financial statement they would forward to capital one and then we could discuss settlements. They have record of receiving my financial statement but instead of forwarding it they filed a lawsuit without ever contacting me or giving me a different option. Now I ' going to have a judgement on my credit report where it cold have easily avoided. It 's obvious they use lawsuits as a threatening and intimidationg tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Equifax did not remove the item from my credit report. Equifax did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Equifax to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I paid XXXX and case has been closed however, negative mark still remains on my credit report. I asked XXXX if they would delete mark after payment however said the could n't and it would be up to the credit bureau if they wanted to delete. I disputed this with Equifax however, they did not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received my bankruptcy discharge on XXXX/XXXX/2016. I sent in documents to equifax and the other XXXX bureaus so that they would update my information. Equifax will not remove incorrect info from my report. They are reporting that I had XXXX loans with Honor Finance, I only had XXXX. That was discharged. They will not remove the second XXXX after me disputing multiple times and providing documents. They are reporting a balance owed to XXXX XXXX XXXX XXXX, this was also discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AZ
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: AL
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:
I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX BANK NA partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX {$4800.00} XXXX {$250.00}

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
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/XXXX : my brother contacted me in re : to a letter he received from Navient stating that they were trying to get in touch with me re : my student loans. XX/XX/XXXX : My employer received the same letter XX/XX/XXXX : My coworker received the same letter Not only is my family now involved, I now have My Boss and a Coworker wondering why they are getting student loan letters on my behalf. I logged online to show my boss that my past due balance was only {$210.00} and my intention was to pay with our next pay period. He was upset that he had to have this conversation with me to begin with not to mention its all because of {$210.00} too. My coworker had to then explain to my boss and her husband not knowing how she got involved and how did Navient even get her home address? I looked all over their website, in my profile page and nowhere is it listed that I have provided this information. I feel this is harassment. This could cost me my job which then they will never get paid. I do n't like having to explain not only to family but to the people I work daily with that my Mortgage and Child Care expenses come first and that if I am 1-2mo behind on Student Loans that they should not be sending letters to everyone who knows me. its embarrassing and unnecessary. I understand if I was severely past due but even then follow the proper route ; certified mail or something. But all of this for {$210.00} is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Disputed XXXX 's account because it was paid in full but Equifax was still reporting a balance. When I disputed I sent a copy of the receipt and letter stating that the account was paid in full. When the results of the investigation came back, Equifax stated that the information was verified. I contacted the creditor and was informed that the balance was {$0.00} and was reported as such. The account was paid in XX/XX/XXXX but is still showing a balance as on today XXXX XXXX and was disputed on XX/XX/XXXX with results on XX/XX/XXXX. I feel that the information should be deleted since it has been well over 30 days and creditor has stated that account balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX  {$4800.00} XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Company will not refund surplus, have lied repeated about what is law and policy, have harassed us consistently, an have ruin our credit, and are threatening foreclosure in spite of the fact that they have received more than required for accurate monthly requirements. The practices of this company are fraudulent, and misleading. We have consistently provided information, waited the advise time period, and 45 days later no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: MI
Product: Credit card
Issue: Other

Complaint:
A hard pull on my Equifax credit report from bank I already have XXXX credit cards with XXXX. I have not applied for any loan, new credit card or credit line increase in nearly 18 months. I suspect identity theft or credit card fraud. I disputed it with Equifax on line and received a response that the hard pull was fact. Sent letter to XXXX about dispute on XXXX XXXX, 2016 have n't heard back. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I fought this medical debt over a XXXX w/my insurance for XXXX years, it is now paid in full by me, but there are several things wrong in the details. XXXX. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.XXXX.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? XXXX. terms are listed as XXXX month? there was no terms.XXXXIt lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.XXXX.All XXXX credit agencies have different dates of XXXX reporting.XXXX was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was XXXX and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$1300.00} XXXX CARD XXXX {$800.00}

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
Consumer complaint received 2015-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My small business account at Chase was compromised. XXXX ACH debits came out of my account. They all went to the same bank account number with different names. After a month or so working with chase fraud department and local representatives I was assured this would be handled. Finally I received a letter stating that they determined there was nothing they could do. I have copied and pasted the contents of the letter below. I reached out to the other bank and they told me I needed to work with Chase. 

XX/XX/2015Please contact the business that initiated the transaction ( s ) you reported to usClaim number : XXXX XXXX XXXX XXXX XXXX, We 've completed our research on the transaction ( s ) you reported to us on XXXX/XXXX/2015 and determined that it 's abusiness-to-business electronic payment. As a result, we ca n't remove the transaction ( s ) from your account*. 
Please contact the business that initiated the transaction ( s ) to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$230.00} XXXX {$18000.00} XXXX {$100.00} XXXX {$22000.00}

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
Consumer complaint received 2019-12-24
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:
Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Risecredit, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RISE/XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XXXX OF 2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by Rise made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial Services reported a collection on my credit report effective XX/XX/2019 in the amount of {$730.00}. 

I do not know who this company is. I sent them a debt validation letter via mail and I have not received a response. 

Please assist in getting this account removed from my credit report as I have no known written knowledge of this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My complain is with Equifax. What is the status of providing my results on previous investigations. How is the verification the XXXX XXXX has the more correct data than the US District documents that I have. Equifax closes investigations with statement, Closed with Explanation sent to consumer. The explanation is horrible, there is no validation unless a company can verify its own information. the name of the company, address, and the statement this has been verified as an account belonging to you. I want to know how and who is able to verify this and the document that prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: TN
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:
Equifax is reporting incorrectly a repossession on the XXXX partial account number XXXX with an outstanding balance of {$5600.00}. ( Please see page attached from my credit report. ) I purchased a vehicle and shortly thereafter the engine blew. I took the vehicle back to the dealership where they replaced the engine. Even after this replacement the vehicle did not run so I returned it well within the time frame allotted. The coding of this account is incorrect and needs to be changed. This false reporting of a repossession is seriously harming my credit score and this line item needs to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act ( FCRA ) to not report accurate information. I have contacted the bureau to either remove and/or update this account to report correctly however, I have not been successful.

Company response to consumer: Closed with explanation