BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I submitted Complaint XXXX on XX/XX/2022, against Equifax. Equifax responded today. Equifax responded to my complaint as quoted, " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' Equifax did not even read my complaint. My complaint was not about a furnisher. My complaint is about EQUIFAX. Equifax is reporting wrong data. NOT THE FURNISHERS! My Equifax ANNUAL REPORT and myequifax Dispute Center report is reporting the wrong AGE OF THE ACCOUNTS. THIS IS SERIOUS. Equifax can not continue to report bad data and ignore the problem. This is ridiculous. 

I have also been paying monthly for a credit monitoring daily report when the data is always wrong. I am going to contact the CEO and other government agencies about this serious issue. 

How is Equifax getting away with not even addressing issues? I am going to notify people about this issue until someone finally understands the seriousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: FL
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:
My husband and I were applying for a home mortgage through our bank. When the bank tried to pull my credit report from Equifax, they got notice that my account was frozen or blocked. I have never done anything at all with Equifax and am frustrated with how my account was frozen in the first place. 
I contacted Equifax the week of XX/XX/XXXX to discuss this issue with them. They were unable to tell me anything until I submitted a copy of my social security number and driver 's license. They gave me a fax number to send it to. I have continuously tried to fax over this documentation unsuccessfully as it will never go through. I then sent it through the mail with overnight shipping. They told me at Equifax that it will be processed with 3-5 business days. I mailed it on XX/XX/XXXX. 
I have called them every day for the last 3 days and they still have not processed my information. I feel as though I am speaking with a robot every time I talk with someone on the phone. If I ask a question that they do not have an answer to, they will say " If I was in your position, I would feel the same way '', instead of acknowledging that I even asked a question. 
It has been a week and a half and they won't do anything except tell me " It takes 3-5 business days to process. We have not yet processed your information ''. They will not unfreeze my credit, which I did not freeze in the first place, and are unwilling to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors. 

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside. 

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection. 

Neighbors stated that they were approached by a female in a dark colored commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner. 

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.

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 2022-04-01
Company: EQUIFAX, INC.
State: NJ
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Synter Resource Group, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I would like to file a complaint on XXXX. Company harrass me at my Job, sending me false documents of court dates stating I am being sued by XXXX XXXX. Has done so since 2018. They call my job and personal cell, and it is very embarrassing. Number they are calling from now is XXXX XXXX XXXX. The representatives are extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: TN
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:
Equifax should not be reporting a collection/charge off in the amount of {$210.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX and this company has long since gone out of business. I was never late on this account and this account had no balance due. I never received any correspondence from XXXX that this account was in jeopardy and only became aware that this account was erroneously placed in collection was when I obtained a most recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
JPMCB CARD XXXX Date opened XX/XX/2014 Balance {$9000.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capitol One has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized Cap One to inquire about credit. Cap One Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: AMERICAN EXPRESS COMPANY
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:
I was notified through XXXX XXXX about 3 credit inquiries that I did not submit nor request or approve. 

They are : American Express, by XXXX on XX/XX/2022 XXXX XXXX of XXXX XXXX, by XXXX on XX/XX/2022 XXXX XXXX, by XXXX on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 
Account XXXX : XXXX Amount Disputed : {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit companies show that I am reported as a deceased person I have no fico score

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 2022-04-01
Company: Experian Information Solutions Inc.
State: MD
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:
see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for the Homeowner Assistance Fund ( HAF ) program with the Department of Economics and was approved. I notified my mortgage company Sun West Mortgage that I had been approved for mortgage assistance and had been approved. I sent the approval letter. On XX/XX/2022, my mortgage servicer Sunwest Mortgage Company received payment from HAF and on XX/XX/2022, my mortgage servicers return the payment to the sender. I have sent several emails and phone calls requesting the reason for this. I do not want to lose my home and am asking the company to not Refuse these payments. HAF has agreed to pay. PLEASE WORK WITH ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a judgment from  XXXX  that was settle for the amount of {$1200.00} and was paid by  XXXX   XXXX   XXXX  on  XXXX / XXXX / 2003 . My employer was recently served a writ of garnishment from  XXXX   XXXX  firm, on behalf o f LVNV Funding, who  is supposedly collecting the debt for  XXXX . The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: DISCOVER BANK
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Card has duplicated and, in one case quadrupled, charges on my account. I have called four times over three and a half weeks to resolve the issue. Each time getting transferred and left on hold. Discover says they are aware of the problem and working to fix it. The last person that I spoke to said she would fix it right then. Its been over a week and has not been fixed. Im currently on hold with them for the fifth time about this same issue. The charges add up to hundreds of dollars that has put me over the credit limit which was reported to credit bureaus and affecting my great rating. They are charging interest on these charges. Charging me double and quadruple for a single purchase is theft. I have notified them and asked them to fix it multiple times for three and a half weeks. They continue to charge and are not fixing it. My autopay accounts are getting declined because of these duplicate charges running my balance over the credit limit. 
The charges range from XX/XX/XXXX through XX/XX/XXXX. There are 13 duplicate charges and one quadruple charge totaling hundreds of dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
Company: Midwest Recovery Systems
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect a debt I do not know anything about. Within the last week I was made aware of the debt they are trying to collect upon. Although I am not familiar with the debt I am willing to settle it with a payment of {$100.00} in exchange for a complete deletion from my credit report. I have an important transaction I would like to handle ASAP that requires this account to be removed from my credit report. If you do not accept my settlement offer, I demand validation of the debt you seek to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: OpenRoad Lending
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: SC
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 has been constantly displaying someone else ssn number on my credit report. I have requested several times for these items to be removed. I have also provided them with my ssn and  XXXX  form for the  SSN admi nistration. This previous report that I received from a dispute listed the full ssn that belongs to other people on my credit report. This is t he 2nd time  they have sent me someone elses full ssn. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. Please not this information was sent to a Supervisor in  their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this bac k to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX   XXXX  has ever  XXXX  credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized  XXXX   XXXX  to inquire about credit.      XXXX   XXXX  Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  + Finance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, 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:
This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation