BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.

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 2022-08-03
Company: EQUIFAX, INC.
State: DC
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:
EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX    XXXX   XXXX ,  2016    XXXX   XXXX     XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  ,2016   XXXX   XXXX   XXXX   XXXX   (   XXXX  ) Various Dates  XXXX  (  XXXX  ) Various Dates So you explain to me that this inquiries are factual in which they are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating the  credit score c ausing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all   XXXX    credit bureaus and  XXXX  for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's  XXXX  report back to the incorrect reporting and then started reporting his account under my son 's credit reporting ( son is a  XXXX   ).  When I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers   XXXX   XXXX   XXXX    XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when  XXXX  was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and Experian can lowe r my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.

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 2021-01-18
Company: EQUIFAX, INC.
State: NJ
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 have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Empowerment Ventures, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was aware that m y card ha d an expiration date  of  X/2017  .. . and I have not received a new card yet. So I used this current  card be lieving it would still be active until the end of  XXXX . When my purchase was declined, I went t o the Rus hcard site to view my account. I saw that on  X/XX/2017    ( same day  ) m y government  XXXX  benefits had posted. Due to having trouble in the past with Rushcard ( not receiving money due ), I did research and saw that there were many complaints against Rushcard, so on  XX/XX/XXXX , I went to the Social Securi ty office an d told them that I did not trust this company and wanted my direct deposits stopped. Due to it being so late in the month, they could n ot stop the p ayment for  XXXX , but as of  XXXX , no further deposits will be made to my Rushcard account. I was t old by the re presentative who served me that if I have any problems with my  XXXX  deposit with this financial institution to report it to  Social Security Administration. As  I had feared, I have fallen victim to Rushcard 's scam. When I go online to their site, I see my funds were posted but they are not posted  to the card that expires at the  end of this month. They are posted onto a n ew card ( that does not s how full acct number but does show hte same ending of  XXXX   as the soon to expire card ). It ha s a button to click that says activate, but, when asked fo r the security digits on the back of card ... the number from my current card do es not work ( of course ), and I have  no new card that has been sent to me. The site  does not allow me to  update my address ( I have moved ), and no forwarded mail from Rushcard. The site will not allow me to do anything, as it is showing the funds are on an unactivated card. When I call the numbers provided ( including the  headquarters in  XXXX   ), I  am unable to get anyon e on the phone to  answer my questions. Neither was I able to transfer my funds to anothe r card member ( with is  an option ) ... or do bill pay. I am on  XXXX  and depending on my benefits to pay bills. I am afraid that if Social Security can not send another check, then I may become homeless again. I can not ac tivate a card that  I do not have, neither speak to any representative. I am certain I have been scammed and funds being held. When I c all the headquarters phone number, a voice recording comes on and says this card can  not be activated. Please help me if you can. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX ,  2017, I d id n't have cash to pay a toll. The attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,   XXXX  , I wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017,  I got notification it cleared my bank.     On  XXXX   XXXX ,  2017, I  did n't have enough cash to pay another toll. I paid {$0.00} in cash and the attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,  2017, I  wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to the  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017, I go t notification it cleared my bank.     Then, on  XXXX   XXXX ,  2017, I received  a letter from  Focused Recovery Solutions , Inc.   XXXX    XXXX     XXXX ,  XXXX   XXXX ,  XXXX , VA  XXXX  indicating that my account has been placed with them for collection action. In addition to the {$0.00}, they are including an administrative fee of {$25.00} if not paid within 30 days.     On  XXXX   XXXX ,    2017, I  called both the collection agency as well as the vender,  XXXX , to try and resolve this. They have n't pulled it from collections pending verification of these payments.     This appears to be a shady business practice as both checks were cashed or deposited by the vendor in the month of  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 2017-04-26
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:
Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and Equifax report that I did not authorize and had no knowledge of. I contacted Transunion and Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.       XXXX   :     1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.    XXXX    XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX   XXXX   XXXX   Equifax 1.  XXXX   XXXX   XXXX   XXXX  2. XXXX   XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   8.   XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Failed to comply with Federal regulaions and continuing to report a Date on my account that appears to have opened  XXXX   XXXX  seems to be incorrect and false for unverified account  XXXX  account  XXXX  as well as the first reported date of  XXXX   XXXX  I contact  XXXX  myself and was told by  XXXX  that worked there that they are unable to release third party information without a written consent from account holder in which I have no contract with  XXXX  so I contact Experian and they refuse to provide me with any documents with my wet inked signature. They are reporting things that they claim to have verified so multiple times I have asked for the method of verification in which I have a right to ask by law. But they refuse to comply so I have filed a Complaint with the better business bureau and plan to file one with my state attorney General office because of their failure to obide by the law and Instead they shift the burden on me as the Consumer to get the information which is another violation and not even that i disputed this in  XXXX  that was signed by a rep at Experian and they did not at the time note that i I was in fact disputing  XXXX  in which that is another violation that i have my certified slip along with my credit report date stamped as proof.   Yet Experian has failed to provide me with a copy of any viable evidence submitted by  XXXX . Or provide copy of cancelled checks to prove the last payment received is reported correctly.

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 2023-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a dispute on my Equifax Consumer Report several times. The dispute consisted of an incorrect account number, inaccurate outstanding principal, and incorrect furnisher address. See attached XXXX XXXX statement that reflects the correct outstanding principal, the correct address, and the correct Loan Number. The redacted Equifax CRA report shows 1. XXXX XXXX incorrect account number 2. XXXXXXXX XXXX incorrect address 3. See the accompanied XXXX XXXX statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: ECMC GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Th e Educational Credit Management Co. ( ECMC ) is ha rassing me to pay a debt for a closed school I neither attended nor signed a loan agreement to attend and denied my request for a loan discharge in  accordance with procedures specified in paragraph ( d ) ( 6 ) ( i ) of 34 CFR 682.402 section A : ( d ) Closed School ( 6 ) Guaranty Agency Responsibilities  ( i ) Procedures applicable if a school closed on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX .     ( A ) If a borrower received a loan for attendance at a school with a closure date on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX , the loan  may be discharged i n accordance with the procedures specified in  paragraph ( d ) ( 6 ) ( i )  of this section.     ECMC confiscated my  XXXX  tax refund without a MPN on file and is aware the  XXXX   XXXX   XXXX   XXXX  has closed for recruiting violations in  XXXX  but is still attempting to collect my  XXXX  refund.

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 2016-11-21
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants is contacting me about a debt that I do not owe from XXXX in the amt of approximately {$640.00}. I moved from XXXX apt XXXX residence to another in XXXX. My current complex does not use XXXX for service. I returned all of the equipment and gave XXXX my new address to send me a final bill. As of today, XXXX as not sent me a final bill and Diversified Consultants is contacting me regarding this matter. The wo n't listen to what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Netspend Corporation
State: GA
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:
On  XXXX   XXXX ,   XXXX   I became a victim of identity theft when NetSpend Corporation sent my new prepaid card to an address in  XXXX , Florida although I reside in  XXXX , Georgia. The unauthorized charges totaled {$310.00}. On  XXXX   XXXX ,   XXXX   I used my NetSpend card to purchase a computer and software from  XXXX   XXXX   XXXX  in the amounts of {$2800.00}, {$190.00} and {$160.00}. On  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX  refunded me amounts of {$2800.00}, {$160.00} and {$9.00} ; the refund was charged back to my NetSpend card I used to purchase the computer and software. Note : All charges to my NetSpend card/account are text directly to my cell phone. On  XXXX   XXXX ,   XXXX   I received a text from NetSpend indicating that my account was closed with a balance of {$3400.00}. The {$3400.00} balanced included my refund from  XXXX   XXXX   XXXX . As of today,  XXXX   XXXX ,   XXXX   I have not received correspondence from NetSpend regarding what happened to my funds ( {$3400.00}  ) ;  if correspondence was sent then hopefully it was not emailed to the identity thief. I have check all of my credit reports and only NetSpend account was compromise. I also filed a complaint with the Federal Trade Commission. I will appreciate it if the CFPB can assist me in my attempt to recover my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a rep this morning @ commentity bank. I tried to tell her i had lost my job but can start making low monthly pmts since I am only making minimum wage. She said no they wont take anything lower then {$200.00} and then threatend me by saying I hope you have a lawyer because were going to sue you. I started to cry because I am young and nearly homeless but am trying to pay back what I owe. I told her i was driving so can she call me @ later time so we can talk about this. She said " nope '' and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
45 days past and have not heard from equifax concerning inquiries i have certified mail receipt confirmation i have inquires i do not recognize and did not apply for i have asked for a signed contract with signature for these inquires and no response i called an rep name  XXXX  stated they do not remove inquiries Inquires below   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation