BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX 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 with explanation
Consumer complaint received 2022-02-08
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checking and savings account opened with Unionbank. Company stated they closed the 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 non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on XX/XX/2022, in sending out of the dispute on items on my Experian Credit File. I received a credit report by mail on XX/XX/2022. Of the items disputed on report were, XXXX XXXX Acct # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX,. Upon reviewing my report. I noticed first of all the mispelling of my fist name of XXXX XXXX, as XXXX XXXX. Which was incorrectly spelled, I have had numerous problems with Experian making errors on my report. I also noticed on the front page just below my nameof 2 accounts that I had disputed, I noticed in writing below account XXXX, acct # XXXX, and XXXX XXXX XXXX acct # XXXX. Below these 2 accounts a statement of " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. when in fact the accounts were listed. And also the other accounts i disputed were listed on my report XXXXXXXX XXXX, and XXXX. I request that all disputed accounts be deleted from my credit file. Per the FCRA, laws as it pertains to verification, and 100 % accuracy of accouny information. Which was not the case with my Experian credit file ... ... ... ... see attached copy of credit report displaying inaccurate statemnt of accounts disputed.

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 2017-10-22
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX/XXXX/XXXX when checking my credit report, I noticed an old derogatory account from XXXX ( XXXX XXXX XXXX XXXX XXXX ) that was reporting on my credit file. This particular account was opened and first appeared in XXXX, which means it should have been removed by law after a period of 7 years, or XXXX. Noticing this, I immediately alerted Equifax of this issue by filing a dispute ( Confirmation # : XXXX ), where I explained this in-depth. Equifax does not give an option on their online platform to specifically state that the debt being reported is older than the legal requirement put in place by federal law, so I instead chose the option " I am no longer responsible for this debt '' and then explained in detail that the debt was older than 7 years old, and at this point in time fully paid off, so it needs to be removed. Equifax negligently ignored what I wrote, and instead sent back a response after 30 days that stated that they contacted XXXX and confirmed that the debt belonged to me. As I mentioned in my initial response to equifax, that is not what I am disputing, what I am disputing is the fact that equifax is still reporting this debt, despite the fact that it has been over 7 years and is fully paid off. I at this point am demanding that Equifax remove this debt immediately, or I will be forced to go to court to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 I checked the account I had with Capitol One Quicksilver Visa credit card and found that I had an overdue account and was being charged {$25.00} passed due fee and my card had been placed on reserve and could not be used. I knew that was an error because I had set up an auto pay account on my checking account and it had been used to pay the balance due for XX/XX/2018. When I called the customer service telephone number listed on my credit card I gave all of my information to the service rep he put me on hold while he checked my account. When he came back on the line he refused to address my over due status and demanded a copy of my drivers license and my social security card because there were issues regarding my credit card. I refused to comply and hung up my phone. I then went on line and immediately paid all of their demands from my checking account which they had access to previously. I feel that I have been cheated out of the over due fee as well as the {$150.00} reward I was promised when I took out the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX T XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 with explanation
Consumer complaint received 2022-07-11
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX This notice came in late XXXX and claims I owe a company called XXXX XXXX XXXXXXXX XXXX {$62.00} I have never had any dealing with a company called XXXX XXXX XXXX XXXX and it doesn't even appear to be a real company. I've lived in a condo for over 20 years and don't have any need for Fire insurance. I think this is FRAUD. Isn't there typically a bill from said company at least 2 or 3 times before it is sent to a collection agency? Not in this case. Out of blue, a collection agency or a bill that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is not generating my credit score. I have a credit history from XXXX but Experian does not have that information except for one credit record, which was already closed in XXXX. I talked with the credit lender company to make sure they are sending the monthly report to Experian, and they said they send it every month. I called Experian around 15 to 20 times to solve this issue and I knew they have an error in the last name, I have asked them to correct the error and make the last name as per legal documents but they said their database does not support the space in my last name and removed that space. To solve this issue I have called a lot of times. Because of this, I am in great trouble and lender are rejecting my loan, and even it's very difficult to get an apartment for rent. Experian is not solving the issue. I have my credit score with XXXX and XXXX above 700 and do not have the name issue I mentioned. Due to an error in the last name in the Experian credit file, they are not accepting any credit reports from a creditor who sends a report with a legal name ( with space ).

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 2017-09-09
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:
I was made aware today that Equifax had a security breach, for about two months, a few months ago and just let me know that it happened. I checked with their website and they claim I am one of those affected by the breach. 

In that breach, I have had my SSN, my address, my driver 's license, and other information stolen. Now I have to put a fraud alert on my credit report to ensure that I am not a victim of identity theft, or at least to stay a step ahead. 

In fact, I recently ( around XX/XX/XXXX ) had an issue with my XXXX card where all my information was changed. My address, my e-mail, my phone number. They changed everything and tried to switch the address to somewhere I have never been and requested a new card. Luckily, XXXX saw that issue and contacted my promptly. 

It is very likely that they had my information in the first place due to this breach. I was inconvenienced and had to have my account closed and open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
After the cybersecurity attack on Equifax I learned that I am a victim of the attack and my info has been shared with unauthorized 3rd party people. I used the online tool provided here http : //www.equifaxsecurity2017.com/ which gave me the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax was criminally negligent in protecting my personal identifying information, which was exposed during the recently announced security breach affecting 143 million consumers. This has the potential to cause irreparable harm to my credit, along with hundreds of millions of others. There is no way to guarantee that this information will not be used in future cases of identity theft, which will thus require strict life-long credit monitoring for fraudulent activity at my own expense. The damage that can occur if I am the victim of identity theft due to this data breach is enormous, and the consequences devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: OH
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:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: MD
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MD
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: NV
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 personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reported fraud in XXXX, took over 90 days to follow up on the report. I called every couple of weeks to follow up. I had a new answer every time I called, at one point one of the customer service reps told me they didn't have a fraud department. They would hang up on transfer me around. This is the worst company I have ever dealt with. I asked them to correct the wrong amount on my credit report and they have still failed to do that.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accourdance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  ) account # XXXX and XXXX, account # XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602A Sates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumerreporting agency can not furnish an account without my WRITTEN instructions.

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason or 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 2022-07-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Opened a credit account with Synchrony Bank through Discount tire on XX/XX/2022 with a a balance of {$1000.00}. Made 1st 2 payments of $ XXXX, well above minimum payments. 2nd payment was a few days late of due date. 3rd & final payment in XXXX the due date was on a Sunday, I paid on a Monday. Was notified of another late charge. I called and had the late charge removed and was informed by the company representative that my balance is XXXX. XX/XX/XXXX, I am notified that my account has been reported as delinquent regarding {$11.00} fee.

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 2022-02-08
Company: Carvana Group, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was trying to purchase a vehicle from Carvana and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to Carvana and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with Carvana to have inquiry off my statement.

Company response to consumer: Closed with explanation