BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: FL
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 sent XXXX LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: ID Analytics, Inc.
State: CA
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:
I was recently denied a credit card from XXXX. When I received my letter in the mail regarding the reason for denial, it said that they received my consumer report from a company named SageStream , LLC and that my score was in the XXXX 's. My score is in the high XXXX 's, and I have never heard of this credit bureau. They stated the only way to receive a copy of my report was to send in copies of my personal documents. Even though I was hesitant ( I 've never heard of them and felt uncomfortable sending my personal documents in via fax ), I did it anyway to see what was being reported about me. <P/>I sent that information in on X/XX/17 and it is now X/X/17 and I have received nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered my credit report and notice unauthorized auto accounts on my report and need to be removed immediately as I have not written consent to/or have knowledge of this account of ally finicial As well as an unauthorized address as fcra states anything thats unlawfully guaranteed needs to be removed.

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 2023-03-16
Company: TRANSWORLD SYSTEMS INC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Letters regarding inquiries found on my credit were submitted  XXXX  to TransUnion, and  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from   XXXX   nor an update. A second letter was sent on  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 2023-03-16
Company: EQUIFAX, INC.
State: CA
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:
Be responsible enough for this matter! I am entitled to have an accurate report. Do not waste your time and please immediately deal with this issue. I will be waiting for the result within 30 days as per the law allows. Revise my file and provide me with a corrected copy once available. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$330.00} ; XXXX XXXX XXXX XXXX XXXX  : {$530.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$12000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank has restricted my account since XXXX of this year. They told that the account will be closed in 60 business days and a check will be sent to me. 
Since then, I've been calling them but I'm not getting access to my account and I didn't receive the check from the account that is scheduled to be closed. 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 2022-03-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Great Lakes US Department of Education It has been some time since I have heard from Great Lakes. 
I did however receive a notice from the state, offering me a forgiveness program. 
I did not receive a tax form from you for XXXX. 
Please inform me of the status of this loan. 
Great Lakes Borrower Services Your Great Lakes ID : XXXX The University XXXX XXXX, closed, XX/XX/XXXX. 
I attended this school from XX/XX/XXXX, XXXX/XXXX. 
I also walked with my class in XXXX XXXX, In XX/XX/XXXX, with honors. 
I have enough credits to graduate. I received no Diploma. 
It was closed by the US Government due to fraud. 
I have contacted both your office and theirs, No response. 
I am also trying to complete my taxes. XXXX. 
I do not have the necessary information to further process. 
I need to know the status of the loan for the closure of this school. 

My forwarding address is XXXX XXXX XXXX, XXXX, Ca XXXX. XXXX. 
Please respond with an appropriate response to this question, concern. 
Please note my address/phone have changed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Great Lakes Borrower Services Your Great Lakes ID : XXXX I also just tried to enter my ID or 4digit ssn # without success. 
It says they can not access/find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts has been fraudulent opened in my name without my consent, I have addressed this issue with the credit bureaus and I have not been able to successfully get them removed from my credit report as I've been in contact with them numerous of times. Further actions will bring suit if these accounts are not resolved and removed from my credit report. I have attached a copy of my police report and FTC identey theft report of the accounts that I am arguing. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I was denied a loan with several times with certain companies that use the credit agency.Clarity Services  has falsified information and also have items over two years old when companies check the report.I was told that they leave the items on there for five years, and Clarity is part of Experian which takes items off after two years.With, XXXX XXXX and XXXX XXXX, they have know information on me as I tried to get it myself.

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 2019-08-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has a long history of falsely claiming to investigate disputes of consumers by returning results as verified. In this case what they have sought to do and perform is adding names associated with the accounts they seem to want to identify as verified. The government of the United States, through the Social Security Administration set forth a program to ensure I wasn't mixed up with others that share the same name, so my name was redesignated as XXXX XXXX, that is the only name upon which I apply for credit under. In such Experian has allowed 66 inquiries since XX/XX/2019 to present to be happened upon my credit report with name XXXX XXXX XXXX, and thereby adding that name to my credit report, or which they are fully aware from previous correspondences that it is not me, but they continue to allow their paid subscribers to perform the same, without identification or permissible purpose of identifying self within person, all of these inquires were done only, and not in person. 
Secondly Experian recently verified an bankruptcy XXXX as reporting accurately, even though through the dispute process, I produced a letter from the third party provider that stated no bankruptcy exist under this client, or consumer. Basically Experian is engaged in the same lying technique of playing to investigate while doing nothing more then wasting time then claiming verification. They are reporting and have been reporting an credit card account from XXXX XXXX, when the actually applicate applied with social security number XXXX, fraud, since my social is 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted credit reporting agencies to remove accounts I never gave consent to be on my credit report. They are furnishing this report and it has caused my score to crash. They are violating my privacy and my consumer rights.

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 2022-07-23
Company: EQUIFAX, INC.
State: FL
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 am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today ( XX/XX/2021 ) I spoke with a woman from Williams and Fudge Inc. who was extremely rude and talking over me. I attempted to file a complaint with the company however the supervisor I spoke with initially did not follow what he had promised. The second supervisor I spoke with disregarded what I was attempting to tell him in regards to the way I had been handled and treated. I tried to resolve this issue with this company however I feel harassed and abused but their repetitive phone calls, lack of understanding and way in which they handle people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: MS
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a XXXX which when wells Fargo took over my payments arent being deposited into my account on the date which was set up. I was told they changed dates without my knowledge or consent. I asked several times for years to have this corrected and they tell me it can not be. They told me to wait till XXXX to see what can be done. They told me I would have close and open a new one to get it fixed which is absolutely unfair. All I want is for my disbursements to be corrected as it used to be.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
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 4 business days after the date of receipt.

It has been 30 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 : ( 2 ) 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 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 2023-03-16
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: Account information incorrect

Complaint:
I contacted XXXX and Equifax about removing these items off my report her inquiries that I have not authorize have no permissible use and have no relationships away I sent it all documents they asked me for they still have failed to remove the items off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: MS
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: U.S. BANCORP
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX XXXX 

Account Name : XXXX XXXX Credit card name : XXXX XXXX  and XXXX XXXX XXXX Credit card number : 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