BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have placed a formal complaint with the CFPB in regards to XXXX XXXX The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.

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 2022-11-12
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to unfreeze my credit so that I can obtain a new credit card. I originally froze my credit through the equifax website 's " myEquifax '' account. Upon entering my information into the website, I was presented with a simple " call us '' and a number instead of simply logging me in. My attempts to get the situation remedied have been muddled by employees at the company doing nothing to aid me. Equifax seems to be pushing individuals towards its new " lock and alert '' service instead of its regular, convenient, and FREE service " myEquifax ''. Please look into this. Tell them to fix their website and stop pushing a service that no one wants or needs. A quick search online has revealed that this " issue '' is affecting thousands of people but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MN
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:
XX/XX/2022 I've disputed a inquiry made from XXXX XXXX XXXX  that I don't not recall resolution from equifax looks to be you requested the inquiry which I haven't did because I been trying to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has the same address on file for both my account AND my online account profile. I have informed them that my credit report has not been refreshed since XXXX of this year, even though I should get an updated credit report from them every twenty four hours. They apparently dont listen to me are just ignoring me. I need this issue to be resolved ASAP. And please refresh/update my credit report please, as it wont allow me to do this online. Thanks.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
An accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account number XXXX Balance {$14000.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX  Original creditor : XXXX  XXXX  Balance updated XXXX XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX  XXXXXXXX XXXX. 
Account number XXXX Original balance {$480.00} XXXX  XXXX XXXX Balance {$600.00} 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 2022-09-16
Company: Ghidotti | Berger LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, California hired attorneys of XXXX XXXX to file liens and foreclosure on my property under fictitious loan scheme of over XXXX, as in {$300000.00} loans fraud schemes using my deeded property for loans that I did not know about, had my authority or collected in any manner. The orders from CFPB have been filed repeatedly and ignored, which is aggravated contempt of court, after the fact and accessory plus organized racketeering for financial benefits. US BANKS is claiming to be the Plaintiff, and this is misrepresentation using the courts as an active enterprise to gain benefit from the fraudulent malpractices. 

Using licensed authorities to facilitate aggravated identity theft is beyond reprehensible and I seek aggravated monetary relief and restitution plus damages of the willful and calculated intimidations. 

I contacted XXXX and they hung up on me many times for weeks and US Banks hung up on me and I filed reports with supervisors but they disconnected calls also. 

I do not feel that the stipulated agreements and injunctions that CFPB will be sufficient because I have been victimized by same perpetrators aiding banks for no less than a decade and I kept filing complaints with so much retaliation that squatters used my identity and I know that there is probably many more fictitious loans. 

The CFPB entered into a Consent Order with XXXX XXXX XXXX XXXX over allegations that XXXX XXXX pressured and incentivized its employees to open unauthorized accounts, in violation of the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. 
According to the CFPB, from XXXX through XXXX, XXXX XXXX  allegedly imposed sales pressure and sales goals as part of bank employees job requirements, leading employees to use consumers credit reports and sensitive personal data to apply for and open deposit accounts, credit cards, and credit lines without consumers knowledge or consent. Affected consumers were charged fees on unauthorized accounts; suffered negative impacts to their credit profiles; lost control over personal identifying information ; and expended time and effort investigating, seeking closure of unwanted accounts, and monitoring and mitigating harm. 
Under the terms of the Consent Order, XXXXXXXX XXXX will pay a {$37.00} XXXX penalty and must remediate all harmed customers for unlawfully charged fees and costs, implement policies to prevent future violations of applicable law, and refrain from future violations, among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Collections Acquisition Company, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a check to pay for my property ( in XXXX ) XXXX I transferred money to my credit union only my bank sent the transaction twice, leaving my checking account short, and my check NSF. Before the county could cash my check, another company, called XXXX XXXX XXXX, cashed my check, then the debt collector for the county cashed my check, then I received a letter ( XXXX ) from a company in XXXX called XXXX, stating they were collecting a debt for XXXX XXXX XXXX XXXX So, not only did XXXX XXXX XXXX hack into XXXX XXXX to get the copies of my check, but so did XXXX I called them that day demanding to know who XXXX XXXX XXXX was and the girl on the other end was very rude and hung up on me.I received another letter from them on XX/XX/XXXX. On that same date I sent the bottom of the first letter back to them requesting that they give me the name and address of the original debtor. I received an answer from that on XX/XX/XXXX. I called the accounting number associated with that address for XXXX XXXX XXXX, and after sharing civil conversation, they did not have my information nor did they have anything to do with cashing my redeposited check. On XX/XX/XXXX, XXXX filed a bad debt on my credit report for non payment of debt. I called them .I told her I had paid my taxes directly to the county that I owed them to and that she was a fraud. I asked again who XXXX XXXX XXXX was and she said it was a typo. And I said 3 times? I had to send electronic copies of proof of payment of my taxes and now it's going to take this fraudulent one person company three weeks to remove a bad credit report from my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NV
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 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}

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 2022-01-04
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 filed a complaint with CFPB against equifax and this complaint XXXX was closed and equifax never acknowledged the complaint there is no way that equifax and investigation regarding these inquiries. All they did was send me a pre-made letter the next day after they got the dispute stating, " THE INQUIRIES ARE FACTUAL '', this is a lie! I need my dispute to be rectified immediately and the unauthorized inquires to be removed. They is no documentation with my signature stating I authorized the fraudulent inquires. Please revert back to this dispute number XXXX from CFPB that was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Dolan Gaddi Lending, Inc.
State: CA
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:
XXXX XXXX from DG FUNDING called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXXDOLAN GADDI is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am asking for a debt validation letter. With a contract that I signed. Stating I owe for whatever was done. With procedures that was done time, date, etc. I have asked twice for this. I dont want a bill. I want a contract with my signature stating I owe this.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The following credit bureaus are still reporting inaccurate and refusing to update.

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 2022-01-30
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed all of my accounts with Key Bank a total of 3 accounts on XX/XX/XXXX. I received a letter in the mail on XX/XX/XXXX saying that I has been over drawn {$110.00}. I was never contacted about this issue from Key Bank. When I called the number on the letter they said the account ( Checking ) was not closed properly and that it was my problem and there was nothing they could do for me. The XXXX XXXX branch has giving my husband ( XXXX XXXX ) a hard time for the past 3 years to go in to the branch and cash checks & deposit his XXXX checks into my account. We know protocols are for cashing checks if not on the account ( 2 forms of ID & a {$7.00} fee ) he had 4 forms of ID. They even took it a step further and called the police to have him removed from the branch. This branch location has such a turn over in personal every time you walk in there are different faces there. This is many reasons that we closed out the accounts at Key Bank. The main reason we are contacting you now is the letter that is dated XX/XX/XXXX from Key Bank says that I owe them {$110.00} over drawn this account is closed I feel that I don't owe this due to the mistake made by Key Bank Association. Please contact me if you have questions XXXX XXXX @ XXXX cell, work # XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
On XXXX I wrote about some inaccuracies and unexplained items on my credit report, and 43 days later, I still haven't heard back. I feel as though my complaints are being disregarded and that I am being abused. According to Section 611 ( a ), it is clearly stated that items should be immediately removed from my credit report if they are not investigated within 30 days. Because it has been more than 43 days, this should happen right now. Due to the XXXX XXXX you put me under, I demand that these accounts be erased right now, failing which I will launch a lawsuit. The latest XXXX data breach has an impact on my information, which might have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than XXXX hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Block, Inc.
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a letter from Square for a business debit card. Thought card was advertisement since it did not include any terms and conditions or account agreement. There was not Truth in Lending Act related materials at all, just a card. I realized the business debit card may have been legitimate as it had an account number, CVC code, and expiration date. This happened on XX/XX/2023. I called Square at XXXX and requested a call back in their IVR as that was an option. An agent called me back from the same number at XXXX XXXX  MDT which got me with a " Hardware Installment '' agent. The agent I spoke with could not connect me to a fraud department. They said their fraud department is not customer facing and could not call me back. The agent could not provide details about what date the account was open. I asked if someone needed a social security number to open the account, and they said it is optional. I asked if there was a social security on file, and they said no. The agent told me that when a social security number is entered for an application it encrypts it for them as agents so they do not have a way to distinguish if one was given at time of application or not. The Square business debit is issued by XXXX XXXX, member FDIC. Square  has very vulnerable security as it appears they will let anyone open a business debit card account and does not cooperate with consumers to get additional details when there is a legitimate identity theft concern. All they said was to contact the police. I have no idea what type of account ownership dispute Square does if the " Hardware Installment '' agent is acting in the capacity of a fraud agent and does nothing to help.

Company response to consumer: Closed with explanation