BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On or about XX/XX/XXXX I settled an credit card account with XXXX XXXX XXXX. The debt was cancelled, a XXXX was issued and the information removed from the credit report. Additionally, it is well past any timeframes to be listed on any credit report and is outside the statute of limitations. However, as of XX/XX/XXXX XXXX XXXX XXXX re-listed the account on 2 credit bureaus - XXXX and Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have one collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute on XXXX XXXX, 2016 via fax with Equifax. I also sent in a photocopy of my drivers license as requested. I recently received a letter dated XXXX XXXX, 2016 advising me the identification information I provided does not match their records. 
The items I disputed are XXXX XXXX XXXX XXXX this account is reporting both open and also collection charge off which is reporting inaccurately. Outcome desired I have never been late. Please remove from my credit report. 
Department of Ed XXXX XXXX accounts are reporting closed with a XXXX bal which is correct but are reporting missed payments which is incorrect. Outcome I have never been late on either account please remove from my credit report. 
XXXX XXXX XXXX accounts are reporting missed payments. Outcome I have never been late on either of these accounts. Outcome please remove from my credit report. 
XXXX XXXX XXXX reporting XXXX missed payments. Outcome I have never been late please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX XXXX which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax refuses to send me my credit report unless I provide them with a copy of my driver license. The other credit reporting agencies have made no such requirement. XXXX have sent me my credit report when I was refused credit and both sent me my credit report when I requested a free copy. Equifax quotes my old apartment number. I told them I changed apartments and they refuse to send my report unless I send them a copy of my drivers license. It is my understanding that everyone does not have to send the credit reporting agencies a copy of their drivers license whenever they move. I am beginning to feel Equifax is discriminating against me because I cancelled their for-pay service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Did file a dispute with equifax. XXXX believe was confirmation. I disputed XXXX as we agreed the account was settled. They reported paid collection. My credit monitoring showed the item being deleted and then re inserted with different information. The problem is they never notified me within FCRA laws of 5 days. I asked for deletion and they are disputing they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've sent numerous disputes to Equifax and each time it 's the same old thing " We find that the information is correct '' or " the information has been update '' showing nothing more than an 'I ' dotted or a 'T ' crossed. These are judgements that are ruining my credit and Equifax feels they do n't need to verify which they really do n't anyway. They check with what XXXX XXXX has and goes off of that even though XXXX XXXX has incorrect information XXXX times over. When someone has had enough they are n't going to be taking XXXX XXXX to court, it 's going to be Equifax. None of these judgements are recorded judgements. I 've gone to the courthouse many times ( small town ) and these judgements were never recorded and do not show up as recorded judgements. The number on the credit reports for the courthouse are not even working phone numbers and I was told by court employees that they have never spoken to, let alone verified, anything with the credit bureaus so I would like the name of the person you spoke to, the address and phone number so that I can enforce legal action for reporting false information about me. XXXX and XXXX deleted so I 'm really interested in what Equifax knows over XXXX and XXXX that they can verify unverifiable information. One of the judgements has my name as XXXX. I 'm a lot of things, but I 'm no XXXX. Last XXXX of accounts : ... XXXX, ... XXXX, ... XXXX, ... XXXX, ... XXXX. I 'm just so tired of fighting something Equifax does n't even bother investigating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed with Equifax numerous times about invalid hard inquires on my credit file and all I get in return is my report accurate and it 's mine. I do n't see how it 's accurate if i never applied with these credit card companies. I never applied with XXXX XXXX XXXX or XXXX, XXXX. I also disputed XXXX items that are on my credit report that are in collections which was already part of my bankruptcy and which should n't be on my credit report at all, they said it 's valid and refuse to move it. I sent a investigation to XXXX about the same items and they removed it from my report but Equifax wo n't do the same, here is my copy. This a violation to my rights as an consumer they refuse to send me any proof when I requested proof from their business and I still have n't received anything. 
Thank you for your timeXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Upgrade, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upgrade , Inc. claims I owe them XXXX on a line of credit promissory note ( which doesn't make sense ) that they signed on my behalf without my permission. However, they can't prove to me that they sent me any money or why I owe them this money. I talked to them on the phone and they kept asking me for my bank account information to prove that I never received any money. I refuse to give them my banking info as I am concerned they will find a way to take money out of my account! I filed this complaint before under # XXXX and it was closed ; but now they have placed it on my credit and they are threatening to accelerate payments and demand payment in full on a debt I don't owe. I told their rep. to take me to court and I would show my bank acct info to a judge. However, I feel it is incumbent on them to prove they sent me the money. After all if they sent money to my bank account it will not be exposing confidential information to tell me what account they sent it to, would it? They need to prove I owe them this money! Any business that would send {$6500.00} to a bank account and not have proof of what account they sent it to is either incompetent or lying!!! I am attaching a police report, their phony loan document and a cover letter I sent to the credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and II do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The XXXX time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Bankruptcy was discharged on XXXX/XXXX/2009. Under the Fair Credit Reporting Act and the California Bankruptcy Laws, a credit reporting agency may no longer report a balance owing on my credit report for all accounts that were included in the bankruptcy. The credit bureaus continue to report a balance on the XXXX XXXX XXXX XXXX account. The balance must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, of XXXX XXXX XXXX # XXXX of XXXX  XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Plus The dates of the Creditor for These Accounts are incorrect on all three Credit reporting agencies.

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 2021-08-05
Company: EQUIFAX, INC.
State: IN
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!

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 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Had contact the company to eliminate continue high fees ..proposed an offer to pay off credit balance that has never go down ... .the account has been closed for years ..the interest rate should have decreased due to no activity of usage. I had similar credit cards I used to borrow cash money for college expenses. I graduated back in 2011 and this credit card is the one that I am still paying today with a balance of XXXXI do n't have anymore credit cards they all were payoff like XXXX card..XXXX  ... XXXX XXXX XXXX..When I will stop paying this credit card the balance is still the same ... this is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2016-06-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and there are items that they have failed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed an account that is not mine. I am not liable for this XXXX XXXX account. Once I received the response I then called and they simply said they ca n't do anything else. I should solve it with the credit card company. I beleive I should n't have to do this. In some form they should also protect my rights as a consumer. 

Thank you for any assistance in this matter.

Company response to consumer: Closed
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I continue to have problems lifting/temporarily removing a security freeze on my TransUnion report. The representative continue to tell me that my case-must be handled by their special case department. They can never give me a reason on why my account is being handled by this department. I truly believe in protecting ones information, but this is ridiculous. Im continuously getting the run-around from different departments and the language barriers doesnt help. I have no issues with lifting/removing from XXXX or XXXX. It should not take weeks to have a security freeze lifted, when its an online transaction.

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 2015-12-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I requested twice that this debt record be removed from my credit report on Equifax as it is 13 years old. The debt was originally from XXXX XXXX and now listed as XXXX. XXXX XXXX has removed the debt from my credit report. Equifax has not and keeps returning a response that the debt belongs to me and does not address the age of the listing on my credit report. I have spoken to Equifax by phone and made a written request. 
XXXX has never contacted me or sent a statement. The amount of debt listed is incorrect. Please assist me in getting this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting and inaccurate XXXX XXXX XXXX Bankruptcy on my credit report. I have disputed this numerous times and I have also provided a letter from the clerk of court that stated they do not verify information with the credit bureaus. Also it indicates that they verified through a third party company called XXXX which is a violation FCRA, XXXX XXXX, paragraph ( XXXX ) ( B ) ( iii XXXX regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' XXXX reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX. 
Lastly I have a freeze on my XXXX XXXX profile so it was impossible for them to verify such information. Attached are documents to validate my statements.

Company response to consumer: Closed with explanation