BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit agencies XXXX Equifax , XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CBC Companies, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a freeze on my Innovis report, and was denied and asked for more information. Innovis violated my consumer rights first by reporting my personal information without my written permission, which is a FCRA violation, then when asked not to report my information they didn't comply. Unless you have a contract between you and myself given you permissible purpose to furnish my personal information, then freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed an account in collections on my Credit Report back in XXXX and disputed. I received an Email on XXXX stating that it was in fact an error. To date, the collection is still on my credit report and has not been removed. I disputed this with Experian and the report number they gave me was XXXX and my investigative ID was XXXX. This needs to be removed as I am building my credit and this just hampers my attempt. 
I have pasted the email I received : The results of your investigation of information in your Experian personal credit report are now available for online viewing. For your protection, please review your results online within four days of the following date : XXXX review your results, go to the following URL and enter the requested information. XXXX Report Number is : XXXXYour Investigation ID is : XXXXThank youThis notice is systematically generated. Please do not attempt to reply or send email because we can not receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
1. The credit reporting agency is continuing to report Consumer Reporting inaccurate information on my credit report, 2. your company does nothing to fix it I want to go meet with the CFPB to see what you do to get this Inaccurate Information and illegal handling of my information stop. 
3. Do you feel you can just allow these XXXX credit reporting company to continue to lie to you and I and I 'm going to say oh well? 

4. I am not going to keep filing disputes when they go to a blind ear. 
5. I want someone to contact me about how they will proceed to get this fixed within the 30 days. If I do not here from you or someone who has authorit7y to make the XXXX credit reporting company report the correct and accurate information on my credit report. I will come up to your office own my own time to get it resolved. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: SC
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 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 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 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 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-03-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting repeated letters in the mail as well as phone calls from National Credit Adjusters saying that I am in debt to XXXX XXXX for {$1800.00}. This alleged debt was previously on my credit report by XXXX   XXXX XXXX collecting for XXXX XXXX XXXX. I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX, and an agreement was made to remove the collection account from my credit report, not to be reported or resold again. I received no response. 

In XXXX XXXX, I was alerted by my credit monitoring service that National Credit Adjusters had illegally reinserted the previously mentioned collection account on my credit report. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Risecredit, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Rise Credit XXXX has put XXXX hard inquiries on my credit report. Firstly, this is more than anticipated, and secondly, I was under the impression that these would be soft pulls - the excessive hard pulls are having a huge impact on my credit score and are keeping me from refinancing my home. Please assist me in removing these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
THIS IS AN EMERGENCY!!! 

NetSpend Prepaid Visa ( backed by XXXX ) has completely shut down. Nobody has access to their money. ALL transactions are being declined. The website is down. The customer service numbers are completely disconnected. This is scary. It is XX/XX/XXXX. People need to pay rent. I understand that they are probably being inundated with stimulus checks, but they KNEW these checks were coming. They should have prepared themselves. Now their systems have crashed and they disconnected their phone, so they don't have to talk to us. NetSpend has two customer service numbers. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. BOTH numbers are disconnected. The number to XXXX is XXXX XXXX XXXX XXXX XXXX. Nobody answers the phone. People need to pay rent. The federal government needs to investigate NetSpend/XXXX, because they can't just disconnect their phones when they neglect to prepare themselves for something that they KNEW was coming.

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 2022-04-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, PA XXXX Report XXXX Can you please remove addresses off Experian credit file. 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 2022-03-20
Company: EQUIFAX, INC.
State: KS
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:
Someone hacked into all 3 credit bureaus. Changed all contact information and applied for credit up to 13 times under hard inquiries. XXXX and XXXX XXXX corrected on phone call. Equifax needs a Presidential Signature to correct. Want me to fill out here, or make a police report. 
Address that is not mine XXXX XXXX XXXX ; XXXX XXXX, FL XXXX XX/XX/XXXX Hard Inquiries that are not me. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  ; XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a credit inquiry on my Equifax report that is from XXXX - XXXX it 's dated from the day someone tried ( without success ) to steal my debit information. XXXX/XXXX/2016. I ca n't find any company with this title. I also am marked as having a credit history for only 4 years but I am XXXX and have a credit history for 40 years!!! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the equifax data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2016-02-07
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. 

I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. 

I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. 

Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. 

When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. 

Sincerely, XXXX XXXX XXXX

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
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the XXXX  data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.

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 2022-03-20
Company: AES/PHEAA
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FEDLOANS are illegally reporting negative payment history to the three nationally recognized consumer reporting agencies XXXX, XXXX, and XXXX. By doing so my consumer rights are being violated and pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) and 15 USC 1681a ( e ). The late payments were never supposed to be reported. Pursuant 15 USC 1681b ( 2 ) I do not give consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, my friend sent me for XXXX {$1300.00} to my phone number, unfortunately a digital was wrong and other person received the money, I tried many time to contact the person, she never answered back, the person number is XXXX registered as XXXX XXXX, intried make a claim with Bank but they told me there is nothing I can do,, XXXX transfer are final, I can understand their policies but if I'm telling them that this person received the money this person should return it, other way is like a fraud, what will happen if I receive {$100000.00} money from the bank just because a bank mistake, well pretty sure they will try get back, at least I'm just asking to the bank to take step and call the person or block her account until she proff that the money was for her.. anyone can make mistakes, it not right that bank don't want help customer even when they know that they can help, they can call the person bank and investigate this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: SC
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 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 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 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, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Today XX/XX/XXXX, I pulled a free credit report from TransUnion and found multiple " Promotional Inquires '' from a company called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never requested these and this is being done without my permission. When XXXX  the company at the XXXX location, it is clear to see that I am not the only person getting my credit " spammed '' by this company. 
Here are the " XXXX XXXX '' that show on my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA shows one inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA shows six : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I called today to ask them to stop making inquires on my credit. They said that someone would get back to me. But from the XXXX reviews, that is also what they usually say to those who ask them to stop.

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 2020-12-30
Company: FinCo Services Inc DBA Current
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I moved XXXX from my bank to my daughters Card account with Current. As of XX/XX/XXXX the funds have been taken from my bank by current  but Current  has not posted them. A Current  rep via chat advised me this am they had my funds and it should post any minute. The funds never posted. I contacted Current  again and was told it would hold for 5 days. They said they did not have the funds but the first agent said they did and the funds have indeed cleared my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I SUBMITTED A DISPUTE TO TRANSUNION FOR COLLECTIONS PREVIOUSLY DELETED FROM MY CREDIT FILE, THE RE-ADDED. I AM NO LONGER LIABLE FOR THE DEBT AS IT WAS PAID BY MY INSURANCE CO.

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 2022-04-15
Company: EGL US, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
BMG MONEY XXXX XXXX AMOUNT OWED XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation