BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I had an Equifax credit reporting product. " Equifax Credit Watch Gold. '' I did not want to re-up for the year because they are terrible, but they charged my credit card after the year expired without telling me that I would be charged. In addition, the cost went from XXXX to XXXX, they did not tell me the price would increase. 
I spoke with a person named XXXX in XXXX and he told me that he would only give me a partial refund of {$110.00}. they are charging me for a month because I did not cancel before they charged my credit card the {$120.00}. which is better than nothing, but still fraudulent. XXXX said that they sent me an email that he price was going to increase, but I promise you that they did not. 
Equifax is a terrible product. They never send me any reports on ANYTHING EVER. All Equifax did was take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: KY
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:
Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After an identity theft incident, i have came to realized that someone open a Barclay GAP Good Reward Mastercard under my SSN, but the account is under a different name. I have an online banking account but this credit never showed up in my list of accounts so I was not aware that someone was utilizing my credit card to make fraudulent purchases. The card was opened since 2019 and I have never received any related statements from the bank in regards to this credit card. 

There must be a huge flaw in the credit card application process to allow someone to open an account until a different name but with my SSN and credit info. This is unbelievable and unacceptable! Barclay should take full responsible to its wrongdoing in granting people credit card without properly verifying the right info.

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 2022-03-25
Company: EQUIFAX, INC.
State: MO
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, the accounts listed below has violated my rights. 
XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX US Dep Of Edu - XXXX Us Dept of Education - XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand these accounts listed be removed because ACCOUNTS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- # # # # # # XXXX According to 15 USC 1681 ; I have the right to privacy, and I did not give equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NY
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report 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 2016-03-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On are around XXXX/XXXX/XXXX I filed a dispute with Equifax Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX XXXX, XXXX I send another letter certified to Equifax ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX I have not received any thing from Equifax. I will mail all supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : EMPLOYER : WISCONSIN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions 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:
The credit bureaus are reporting erroneous information 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 2020-12-07
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i have contact this agency via a dispute i dit, this loan i never get any paper word or deb note for collection, so i can appeal or pay or find out why i old this much, Also this deb should be on loan for forbearance since the national emergency covi 19 pandemic, but they still report this to my credit as a collection account. 

all this steps they take are illegal.

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX  XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NY
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Last summer, I took advantage of a promotional offer on Amex Rewards Business Gold Card to get XXXX rewards point if I spent XXXX dollars within 3 months.  I obtained that card for my small XXXX business, and after satisfying the spending requirement sometime in the Fall 2018, I received XXXX reward points.At that time, I ended up with two rewards cards: one was my personal card, called EveryDay Card, and another one, above-mentioned business rewards card. I called AMEX Rewards Customer Service to advise me which card is better to use. I was told that both cards basically offer they same rewards benefits, except on personal card, if I spend XXXX dollars a year in groceries, I would get additional XXXX rewards points--the feature that is not available on business cards. So I basically stopped using business card and started using personal card for my everyday purchases.Last Spring, I began considering to basically curtail my business activities, (I am XXXX y/o now), I decided that to get rid of the business cards that was no longer using. I called general customer service, and explained to a Representative(I believe, he was in XXXX or XXXX) to him why I wanted to close the business card account. He was understanding, and fulfilled my request.I must say that nowhere during that call he would warn me that  if I close the account before one year anniversary, I would be in danger of losing the XXXX rewards points.After Amex indeed took my XXXX points away, I called the rewards customer service and explain to them what happened last year and also this spring. Two rewards customer service supervisors who I discussed this matter, basically agreed that that automatic removal of XXXX points from me was a mistake, and I should file an appeal, which I did. I was also told that their customer service cannot correct this error: it should go to some unnamed "higher entity", which is supposed to do just that.After a few weeks without any news on my appeal, I contacted AMEX headquarters and was given a contact of Mr. XXXX, presumably from the AMEX Executive Office.Mr. XXXX was nice but completely useless: he wasn't one who was making decision in my case: it was someone else, who Mr. XXXX   refused to identify. He only informed me that my appeal was rejected. When I asked him to send a written explanation as to why and by whom it was rejected, he promised me to do so, but never did.As result, because of series of perhaps unintended mistakes by the AMEX representatives I lost XXXX rewards points that I could use in a variety of ways: from travel to hotel, car rental, etc.I believe the justice should be restored and AMEX as a company should be held responsible to the information provided by their representatives, wherever they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX  XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to again assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please delete the following items listed below in my personal file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I believe that XXXX XXXX XXXX XXXX ( XXXX ) is reporting a debt that ( 1 ) should be removed due to Case XXXX and ( 2 ) they are parking/re-aging the debt by not reporting the actual date of last payment. 

I sent XXXX a letter that requested that XXXX XXXX XXXX XXXX ( XXXX ) remove a Trade Line from my credit reports pursuant to the Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX Case XXXX. 

I included copies of the following pages for thier convenience : Page XXXX - Court Case ListingPage XXXX & XXXX - Specific Credit Card Programs included in this order listing " XXXX '' and XXXX, including its successors and assigns. 
Page XXXX - Specifically Paragraph XXXX which states that within 60 Days of the Order, ALL affected trade lines shall be removed from credit reports. 

I provided XXXX reference numbers, original account numbers, and personal identification information. 

The letter also informed XXXX that all XXXX Credit Reporting Agencies deleted the original XXXX issued by XXXX. If The Original Creditor ( XXXX ) could not validate, resulting in Trade Line removal, then certainly XXXX ca n't validate. 

XXXX responded to my letter XXXX/XXXX/15 and stated that they " deny that our records are inaccurate '' and stated " you did not provide sufficient information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions 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:
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2016-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have settled the tax lien with the state. I would like this negative report removed. My bankruptcy has been long discharged, I would like this negative report removed. Also I was laid off in 2012, in which I got behind on several of my accounts. Within a few months after that I gained employment and paid my debt, can that be removed from my report? Seeing I 've paid current accounts since then with none late. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As I have informed Equifax , I have an account on my credit report, XXXX account receivable. cadillac agreed to removed from my credit report once paid in full. It has been paid in full. it has been deleted from the other two credit agencies but I am having issues getting Equifax to remove. I have told Equifax they can call XXXX who is my representative at XXXX account receivables and he will back up everything I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an account XXXX XXXX XXXX with Equifax and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Equifax simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Equifax to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: OH
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 XXXX was notified by XXXX XXXX  of possible breach and offer of 1 year under experian. I signed up. Since then experian has continued to send by email personal credit information from my report to advertise their services. As emails aren't secure, as the XXXX  bust spread many of our emails, and as personal credit information is not provided or collected to be published by experian or any credit bureau they are violated their duty and the law.

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 2022-08-16
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:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} DEPTEDXXXX  XX/XX/2022 {$4000.00} DEPTEDXXXX  XX/XX/2022 {$3200.00} DEPTEDXXXX  XX/XX/2022 {$6400.00} XXXX XXXX  XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}

Company response to consumer: Closed with explanation