BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I ( XXXX XXXX XXXX have repeatedly attempted to communicate with and receive assistance from Equifax to no avail. I have made attempts through their multiple designated phone numbers and directly through their website to no avail. 

Currently, I need to place a fraud alert on my credit file but Equifax refuses to assist me. 

As previously documented, there is now an ongoing history of Equifax refusing to comply with their legally mandated requirements to assist me. 

Unfortunately, my data has been involved in more than one company data breach. I was just notified of the most recent data breach. Equifax is consistently the most difficult and now impossible credit bureau to interact with and attempt to receive assistance from. Their phone numbers essentially hang up on me. Their website does not allow me to receive the necessary assistance to implement a fraud alert. 

Equifax NEEDS to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: WA
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:
Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2021-06-30
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield Inc. at XXXX XXXX XXXX XXXX. has been sending me collection notices in the amount {$1900.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company I have never done any business with this company. This company does not have a contact signature XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Social security # XXXX Credit Bureau : Hunter Warfield Inc. 
Credit Bureau : XXXX XXXX XXXX. 
Date:XX/XX/XXXX Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XXXX and noticed 3inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX on XXXX at XXXX XXXX XXXX XXXX XXXX, MS XXXX at the amount of {$240.00} 2. XXXX XXXX and XXXX at XXXX XXXX XXXX. XXXX XXXX XXXX, VA, XXXX at the amount of {$390.00} 3. Hunter Warfield Inc. and 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 2021-03-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a charge account through Slate Chase Bank years ago ( I would guess over 7 years ago ) I became late with payments and was contacted by collections regarding the closure of my account and setting up arrangements to avoid legal action by phone or threatened to take me to court. The balance was under {$2000.00} I believe possibly less, it was not extremely high. I was told in order to stop legal action I needed to enter into a payment agreement to pay off the balance, the call was allegedly recorded. The agreement was that I set up auto monthly payments of {$39.00} to pay off the balance. Credit Account was closed and could not be used until the balance was paid in full. No interest charges were to occur because the account was closed and in collection. I agreed. Since that time I have had {$39.00} a month taken from my bank account but they have continued to charge interest every month so with the account closed all those years of payments my balance is still {$1500.00}. I have tried to call and am refused to speak to a manager, customer service says the account is closed and they will not speak to me about the account until the balance is paid in full. I think this was fraudulent collection activity at the beginning and still to this day. I would like to stop receiving bills and I believe they owe me years worth of overpayment to the original balance I paid. I have also filed a complaint with the XXXX  and the attorney Generals office today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion 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

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 2021-03-09
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My personal checking account with Citibank was closed due to the fact that I had a SBA Eidl loan deposited into the account. I am a sole proprietor and was unaware that I could not have a business loan deposited into a personal checking account. 

I was told that once the account was closed that Citibank would send the loans back to the SBA. The account was closed on XXXX XXXX and Citibank still has not sent the loans back to the SBA. This is of great concern to me because in the SBA does not receive the loans back soon then I will either have to pay on a loan that I never had access to or I will be in default which will negatively affect my credit and what is worse I could have my assets that was used a collateral seized.

I would like for Citibank to send the SBA loans back to the SBA immediately.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX ACCOUNT XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: KS
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 is reporting uniformed information to my consumer report dated XX/XX/2018. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax updated my credit report based on the information that XXXX sent to them and I sent to them. They then went and changed it again adding different information and a statement that I did not add and changing the status of the account. The account is paid in full and close. They did this two days after they updated it correctly. That change affected my credit score by nearly XXXX points in one day from their inadequate incorrect changes that they have made. They show that there's no status update which there is they show that there's no status at all and no payment history which there is. They also allowed a fraudulent creditor that I have an FTC complaint with to report a dollar change to this account and another address change even though I provided them an FTC identity theft complaint that has that creditor on there and one from last year. I've also disputed this by mail certified return receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CBE GROUP I have no Idea of this company it looks as if they continuously make my debt a new one and i have no idea what this company is, I've used XXXX XXXX  to dispute it but it continues to reflect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance {$130.00} ; 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 2023-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My personal identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from the transactions. I have attached a copy of those items to an individual letter which I will mail to you. I am also sending a copy of this filing to each credit reporting agency. Thank you so much for your prompt attention to this matter.

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 2021-03-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I penned a debt verification letter to Sequium/XXXX XXXX for an account placed on my consumer report that I do not recognize. In this letter I requested a verification of debt, including amount and account number, information for original creditor, documentation that they have verified that it is indeed I who is responsible for this debt and their license to collect in the State of Florida. I also requested that they remove this account from my report while they investigate. This letter was received by an individual from their office on XX/XX/XXXX ( documentation enclosed ). Because I requested this information within 30 days of the initial contact regarding this debt ( XX/XX/XXXX ), then according to the Fair Debt Collection Practices Act, I am entitled to all of the information that I requested in my letter to Sequium dated XX/XX/XXXX. As of today, XX/XX/XXXX ( well over 30 days since they received my request ) I have not heard back from Sequium. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. Since they have not supplied the demanded proof then I may presume that no proof of the alleged debt, nor therefore any such debt actually exists. Because they are unable to verify this debt, Sequium MUST remove this account from my consumer report. They have failed/refused to provide substantiated documentation or to even respond to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2023-06-28
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 mailed a letter to Transunion XX/XX/2022. I Called everyday until they claimed they received my letter on XX/XX/XXXX. They advised me that they had 5 days to review information to see if a dispute is necessary. By XX/XX/XXXX all supporting documentation had been attached to my file and by XX/XX/XXXX they had concluded that this was verified but did not provide proof from who as I have asked and as I have provided a letter from the Bankruptcy Court and XXXX as well as my XXXX and XXXX public record portion. TransUnion has blatantly violated my rights by even concluded an identity theft dispute within 2 days. I ask that TransUnion provide proof of my signature, proof of any document attached to this Bankruptcy with my full social security number and/or signature. If they can not produce such proof I ask for this item to be deleted and not reinvestigated as they have already had time and failed to conduct a proper and fair investigation.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: Better Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to Better Mortgage to refinance my mortgage back in XX/XX/2020. The appraisal that was conducted was incomplete and way lower than market value. Better has promised multiple times over the last 4 months that they would refund the appraisal amount fee of {$550.00}. I never received this refund. I have attached the very long email thread that shows Better.com promised the refund of {$550.00}. I have also attached a screen shot of the {$550.00} charge to my master card back on XX/XX/2020. I have yet to receive the refund for the appraisal fee. This is unacceptable.

Company response to consumer: Closed with explanation