BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Logging this complain against the credit reporting agency Experian for showing Serious delinquency on my XXXX credit cards with XXXX and XXXX. 
In case of XXXX credit card, I had returned stuff in the store and was told that I 'll get a refund but the refund was not applied for few months. Instead they kept charging late fees every month and later subtracted the refund amount and continued charging additional late fees. This was totally unfair because instead of being refunded I has bothered by XXXX and collection agency and made to pay. I tried to resolve this issue by calling, emailing and faxing them but all in vain. I am also attaching a fax that I had sent to XXXX. 
In case of XXXX credit card, my account was locked and was told to make the payment without being told what the charge was for. As my account was locked I was n't able to check myself. I contacted them several times to find out what the payment was for but was n't given a clear answer. 
In both these cases I was treated unfairly. In first case I was made to pay when I was supposed to get a refund. In second case I was being told to pay without the clear information of what the payment was for. I had to go through so much XXXX to resolve these issues and now I see these damaging my credit report. I am in the process of applying for a home loan but having issues because of the incorrectly marked delinquent accounts information on my credit report. So finally decided to log this complain.

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 2022-11-22
Company: CONST LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, as of XX/XX/2022, the XXXX lending company " XXXX '' has halted all withdrawals from their website. In a recent email, XXXX has told me that they plan to offer a partial settlement of funds rather than allow users to withdraw their full amount. In this email, they also say the reason for this loss is due to their investment in a project that is not a peer-to-peer investment called the " XXXX XXXX. '' I am concerned that XXXX has now committed fraud because they have used customer deposits in a method that was not advertised and therefore shows a serious misrepresentation of funds. Presently, I have XXXX " USD Coin '' and XXXX XXXX in my account with them and my wife currently has XXXX peer-to-peer loans open with them that are currently worth {$10000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX ( Collection Agency ) continues to report that I open and account with XXXX XXXX XXXX XXXX and claims that I owe {$1100.00}. I never open account with XXXX XXXX XXXX XXXX. I have dispute item with Equifax several times and requested that Equifax obtain documents from XXXX showing that I had or requested services from XXXX XXXX XXXX XXXX such as a signed installation order

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifaxhas fail to provide me with results of my dispute that I have initiated since last year on accounts closed and recent payments have been posted or accounts have been sold to different companies and they are still reporting them ( equifax ) as active.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

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 2015-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2021-09-29
Company: TRUIST FINANCIAL CORPORATION
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:
ACCOUNT WAS UNDER INVESTIGATION. REGIONAL SENT LETTER STATING THEY COULD NOT FIND AN ACCOUNT, ONLY AN INQUIRY THAT IS NO LONGER REPORTING. HOWEVER THE ACCOUNT IS LISTED 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 explanation
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BARCLAYS BANK DELAWARE
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased ink on XXXX was last purchase I made. Shortly after five fraudulent charges ( see attached letters dated XX/XX/21 and XX/XX/21 ) were made on XXXX on XX/XX/21 and posted on my credit card on XX/XX/21. Within two hours I contacted Barclays card services at ( XXXX ) XXXX and reported the fraudulent charges. Told them I did not authorize, purchase or receive anything. The company put a freeze on my account and reissued a new card to me. Sent me a letter on XX/XX/21 and XX/XX/21 stating that an investigations was performed and the charges were valid and put back on my account. Letters of dispute dated XX/XX/21 and XX/XX/21 ( attached ) were sent to Barclays card services. In both letters I told them that I had not authorized, purchased or received anything and that the charges were fraudulent the result of identity thief. The company keeps telling me that I made the charges I have not been able to change their minds and receive resolution.

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 2022-11-22
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:
In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under title 15 U.S.C. 1681 : XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX : # XXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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.

15 U.S.C. 1681C ( a ) ( 5 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2015-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is an XXXX debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted several disputes for inaccuracies on my report. As of today, Neither Equifax nor the collection agency have provided me with any documentation as requested to validate the debt. I filed a previous complaint about the collection agency who admits to not have responded timely after receiving my dispute. They claimed to have flagged it as disputed but yet I have credit reports that are attached and show otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Experian.com offers {$1.00} credit report. Purchased on a mobile device, the XXXX day " trial '' terms and monthly subscription fees are hidden and true service costs are deceptive. XXXX days after signup, they have billed for a {$21.00} monthly credit watch subscription service. I called to dispute the service and the charges and was refunded {$21.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from 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 2015-11-10
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:
I 'm referencing Case number : XXXX for a previous CFPB case, the reply was n't satisfactory and I disputed it mentioning what I really wanted which is explained from my response " my issue is that I ca n't access the report online, I did n't want to be sent a copy through mail. 
I feel more comfortable viewing my report online and I need to know why I ca n't. 
I appreciate the response but that 's not resolving the root cause, you are just fixing the symptom. 
Do I have to submit a complaint every time I want to view my report, I was even trying to register for your plan to view my report whenever I want, meaning i was willing to pay but because I ca n't access it online I ca n't even start the subscription '' Equifax did n't respond, they closed my case which is still very unfair because they have n't actually sorted out my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015. They advised I am " locked out of their system '' even though I am able to confirm that all my identifying information matches what they are reporting. They were unable to provide an explanation as to why I am locked of their system and were unwilling to provide me with my own credit report number. I asked to speak to their escalation department and spoke to a supervisor who also advised she was not able to tell my why I was denied online access. I am XXXX at a business and if I refused to provide my clients with their own proprietary/personal identifying information or was unable to tell them why, my company would no longer be in business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Affirm Holdings, Inc
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX, I attempted to sign up for the company 's pay in XXXX payments service, supplied them with my legal name, date of birth, email address and phone number. I then confirmed that the address they were able to find for me was correct. I also used the XXXX XXXX to allow them to verify that information with my bank. After going through all of that, I saw that the methods the company used to collect payments were going to be more troublesome than I was willing to deal with, so I discontinued the process of signing up for their services without collecting any funds from them and without providing any further information. 

I then logged into my account using the account details ( email+password ) that I had used to set up the account. I attempted to close my account with them, but was unable to find an option anywhere. I went to the help page to try to find an account closure option but, after completing the wizard, was directed to call the support line for the company ( XXXX ). I called the company and attempted to have the account closed but the support staff stated that I would need to supply the last 4 digits of my social security to verify my identity. Since I had not, at any point, provided them with this information, I categorically refused. We went back and forth a bit while the agent stated that the only option provided in their system was to confirm my identity with the last 4 digits of my social security number, I asked to speak with their supervisor. I then went through the same process with their supervisor, informed them that I knew exactly what data I had provided them, and that XXXX had not provided them with my social, and that I was absolutely not going to provide even a single digit of my social security number to them and that all I want was my data removed from their servers. 

They stated that they could not. I asked to speak with their supervisor, they said that their supervisor does not take calls. I said that I understood and that they would need to escalate this support ticket to their supervisor. They said that they could not do that as that option was not available to them. I told them that they had a boss that they report to and that whoever that may be needs to be informed of this because this is absolutely unacceptable. They stated that they could not do so. I then told them that I would be taking additional measures using other means within the legal system to have my data deleted from their systems. I then informed the manager that I was not personally angry with her nor her subordinate, and that I understood they were just doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am XXXX and cant get student finance because when i was XXXX credit was obtained in my name and at the family address dont know who by or who to ask and now i dont know what to do to help remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Lionstone Holdings Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
THE CALLED ME AT WORK, MY CELL PHONE AND WIFE PHONE THEY CALLED WITH NO CALLER ID ON ALL PHONES THEN LEFT A MESSAGE TO CALL ( XXXX ) XXXX.

Company response to consumer: Closed with explanation