BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: VA
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I received a copy of my credit report, and I found an account thats reporting that I have no knowledge of. I'm aware that your job is to ensure the accuracy of my credit report. Below is the name of the account. 

ACCOUNT NAME : XXXX XXXX Please forward me any documentation providing proof that this account belongs to me. If you cant provide such documentation, then please DELETE THIS ACCOUNT from my credit file immediately. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX submitted a 1099 C to the IRS evidencing them discharging the debt for the full amount in which I received a copy B. I supplied this 1099 C Copy B with Experian on XXXX XXXX I was advised it would take 24-72 hours to update the changes. On XX/XX/XXXX XXXX was removed from however Experian said they could not and would not remove the other 11,000 despite me supplying them with proof ( 1099 C copy B ) that the debt was discharged. I tried talking to 3 or 4 different agents and a supervisor. None of them were willing to help or allow me to explain what a 1099 C is.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
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:
I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing concerning the following account : XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX  XXXX. I am disputing the account type. It's inaccurate. Please delete it. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has appeared on my credit report. This account, which is associated with my ex-husband, was opened without my knowledge or consent during our marriage, and I was unaware of its existence until I recently reviewed my credit report. Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Opening : XX/XX/2021 Balance : {$1700.00} I have attached documentation, including divorce decrees and separation agreements, which clearly demonstrate that I have no financial responsibility for this account. Furthermore, I have not authorized or benefited from this account in any way. I respectfully request that you conduct a thorough investigation into this matter and promptly remove this fraudulent account from my credit report. Additionally, I would like to receive a written confirmation of the actions taken to rectify this issue. Please let me know if you require any further information or documentation to facilitate this investigation. I appreciate your prompt attention to this matter and request that you resolve it as soon as possible. Thank you for your assistance in rectifying this situation

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 2023-06-02
Company: EQUIFAX, 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 have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be fixed from my file right away 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 explanation
Consumer complaint received 2023-05-25
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports. 

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. I was then lied to once again on the attempt # 3. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. It is now XX/XX/XXXX and the card still has not been received after 3 different attempts. How is this normal? 

My step is legal action as I was never able to take advantage of something that was advertised to me. Telling me I only have until XX/XX/XXXX to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer. 
I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
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.

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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2021-07-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Td bank is adding negative fees to my account after letting charges I ask to not accept and my account is negative right now something that's never happened to me and I just got back from XXXX XXXX so I won't be getting paid no time soon

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: Avant Holding Company, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi : I have tried to obtain copies of my old credit card statements so I could help other agencies, including Kansas Attorney General, with specifics. 

I requested copies of these verbally and in writing. I was told they would not provide this information. 

I believe their behavior is unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an amendment to compliant # XXXX. Additional information attached and documents I've provided to Wells Fargo as they requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX  XXXX  XXXX {$1700.00} XXXX  XXXX XXXX {$120.00}

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 explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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: 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 XXXX : XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-12-07
Company: AES/PHEAA
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:
FCRA Violation student loans not mine U S DEPT OF ED/XXXXL U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX ( a bank holiday ) I deposited a money order for {$190.00} at a Wells Fargo ATM. The receipt indicated that the funds would be available on XX/XX/XXXX, unless an additional hold was required. 

On XX/XX/XXXX, the transaction posted to my Wells Fargo checking account, accompanied by a transaction reversing the deposit. I contacted Wells Fargo on XX/XX/XXXX by phone, and was told that money orders must be deposited inside a branch, and that the money order would be returned to me via postal mail. 

On XX/XX/XXXX, I contacted Wells Fargo again by phone. The representative was unable to offer any information as to the reason for the reversal or what I should do, and suggested I visit a Wells Fargo branch. I visited a branch that afternoon ( the branch where the original deposit was made ) and spoke to a banker. The banker indicated that the money order was in transit and I would receive it soon. I could then return to the branch with it in order to make the deposit. 

On XX/XX/XXXX, I received mail from Wells Fargo " ATM Deposit Exceptions ''. The subject indicated " Check enclosed and deposit amount adjusted for your account ending in xxxx ''. The letter indicated the the check was not accepted because it was a " Non-Negotiable Item '' and that they were enclosing a COPY of my check. 

This leaves me with no options for receiving the {$190.00}.

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 monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NV
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, XXXX, and Experian in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. 1681 and plan to take legal action.

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