BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2017-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Equifax added a personal statement to my credit report. One that I DID NOT request or authorized. What they did is took my complaint resolution from consumer finance and added word for word to report. That does n't seem professional or legsl.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the validity of a public record item I had noticed on my credit report and Equifax deemed it as Released/satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just und er ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and damning my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Alliance One, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Alliance One shows on XXXX. I sent in proof to other credit reporting companies as well and the debt was removed from all but XXXX. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on XXXX. XXXX XXXX did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. Thanks

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 2017-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraudulent account reporting closed on my Equifax file. It seems to be a credit card from XXXX XXXX. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with Equifax. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: United Accounts, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Landlord at XXXX XXXX  in XXXX, ND attempted to continue collecting monthly rent payments for an apartment after already terminating lease and evicting me only about halfway through the original lease term ; charging me rent for the remaining months which I was no longer living there and was locked out of the unit. Landlord then gave this debt to the collections XXXX UNITED ACCOUNTS INC and the collections agency has gone on to engage in an act of debt parking, which is a violation of FCRA and FDCPA regulations. This debt parking tactic has caused great hardship for me - preventing me from renting apartments and finding housing, preventing me from getting approved for any type of loan or credit, and causing significant financial obstacles for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Stellantis Financial Services US Corp.
State: AL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To Whom it May Concern : I have sent in several disputes about XXXX XXXX XXXX, and their illegal repossession of the vehicle in question. XXXX has yet to response to me and this has been going on since XXXX 2017. I cant see how this credit bureau has been updating this account when XXXX has seen this is an illegal repossession and removed it from my credit report ( attached ) .This account is being illegally reported on my credit report. I formally disputed it. 
Furthermore, if at any time during your investigation the above account is verified by XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: Foris DAX, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I tried to buy {$250.00} in an XXXX XXXX on XXXX and they sold me a counterfeit version of the XXXX USD-pegged XXXX on a " sidechain '' from which you can not send or exchange it. 

This is fraud. I complained and they told me : " Currently, there's no XXXX to XXXX XXXX developed by the XXXX team, as the  project " XXXX XXXX XXXX '' is only on XXXX and is yet to be launched on XXXX. 
XXXX profile '' So the XXXX I bought is not REAL fungible XXXX on the XXXX XXXX  which I was never told when buying it that I would not be able to send it to my regular XXXX token wallet because they built their own fake version of XXXX that makes the tokens you buy even more useless and worthless than regular cryptocurrency...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a payment of {$900.00} on   XXXX   I expected the money to be accessible by  XXXX . I checked my card the balance on the card reflected my payment but the available funds were {$0.00}. I called and I asked what I could do about it. The first person I spoke to told me that my payment would n't be available until Tuesday because my payment was too large and that I had to wait until my bank confirmed the funds and then once the bank did that I could call them back. I told them that I payed {$1000.00} last month and that went fine. Then, she told me that it was put on hold because my payment from  XXXX  months ago was not completed. As a solution, she recommended applying for an extension of credit online. I asked to speak to a supervisor. This person, a supervisor in the fraud department, told me that it was on a hold and there was nothing they could do about it until the bank clear the funds. I told him I 've had the card for years and it has always worked the same way. I pay, the money, it is available the next day and the payment comes out of my account the day after. Always. Including last month, which was the month after the incomplete payment. I asked to speak to his supervisor or at least someone from a different department, he said he was a supervisor and anyone else I talked would tell me the same thing. He put me on hold and then came back on to tell me that I had  XXXX  incomplete payments over a period of time and that was why my payment was on hold. I told him that it might be the case but what was the cause of the hold in payment now and how could I access my money, or at least part of the payment. He kept repeating himself about when the bank posted the payment and how they could n't do anything until they had confirmation etc. I told him that we were going around in circles and at this point I would like to talk with someone else. He said fine. He put me back on hold. I was transferred to another supervisor in the fraud department. This person went about telling me the same thing as the last  XXXX  people I talked with. I told her that there has been a change in credit card policy from last month to this month and I was n't notified  XXXX  prior nor was I given an option to opt out. She said putting payment on hold that this had always been the policy. I asked why this had never occured before. She said that sometimes they do n't put a hold on the money and that they do n't know about the hold until after the payment has been posted. I asked I could speak with the person who made that decision. She said it was a computer. I asked if I could speak with her supervisor and she said no. I asked if there was anyone else either higher than her or in a different department I could talk to about my payment. She said no. Then I asked that they close my credit card and issue me a refund for my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America changed the status of my account without my authorization. The account was initially set up to not overdraw, now I'm incurring monthly fees and overcharges. 

I check the account before and after transactions to insure my being able to make purchases. Transactions are always immediately deducted from the account and placed on hold and the balance reflects it. I always make sure there are sufficient funds available to make my next purchase. 

It is the bank that hasn't sufficient funds and they are dime and nickeling funds from my account as well.

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 monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report agency can not Furnish a 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 2022-08-31
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-09-09
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing against Equifax due to having a breach and my information being leaked. I did n't know about the breach when I called the beginning of XXXX because I had to file for credit fraud due to over XXXX inquiries that are not from me. I had to get all new cards from my bank and credit cards. I am going through so many disputes because of this. My landlord wants to raise my rent because my credit score changed. I 'm still fighting this and no resolution or anything from equifax. I just want my credit fixed and all those false inquiries off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-04
Company: EQUIFAX, INC.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chime refused to repay me money for charges I never made

Company response to consumer: Closed with explanation