BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: AZ
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:
This account does not belong to me, and I did NOT XXXX authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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:
A auto loan was taken out in my name XX/XX/2019. I was a victim of identity fraud and I reached out to the company and submitted dispute with the credit bureaus to have this account removed. The company ignore my calls for identity thief and the credit bureaus never verified my signature on this account.

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 2021-05-17
Company: Specialized Loan Servicing Holdings LLC
State: NV
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:
SLS Servicing incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written SLS many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to SLS showing this as late. This has caused severe hardships and prevented me from buying a home.

I have attached the formal dispute letter which was sent to SLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing your agency because I would like assistance disputing charges on my  Citibank Mastercard. I  have been told that I am unable to dispute charges that are over 60 days old but upon research I have discovered that this is not true and I have the right to dispute these btype charges using claims and defenses. Last year I was contacted about and starting an online business and after paying a company by the name of  XXXX   XXXX   XXXX  {$140.00} I found that my phone rang constantly with products and services that I was led to believe were required and I have since discovered were nothing more than a fraudulent scheme. Most of the related charges were posted on my  XXXX   XXXX  and I have been allowed to dispute them. However, the following charges were on my  Citibank MC an d I would like them to also be disputed as such the charges are : A charge to a company by the name of  XXXX   XXXX   XXXX  in the amount of {$2400.00}.  XXXX   XXXX   XXXX   XXXX  in the amount of {$1600.00 } (  in total I paid them {$11000.00}  ).   There is  XXXX  more charge in the amount of {$4800.00} I paid to company by the name of   XXXX    Innovations who has charged me a total of {$8400.00}.     These companies I believe are committing fraud and conspiring to take advantage of people in an online business scheme. All of these charges are related and I have attempted to work out with the companies but have had no success with these in particular. I would like these transactions investigated as I believe that they deceptively sold me their service, in total and they have failed to provide what I was sold.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/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 2022-02-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, XXXX, and XXXX of XXXX, XXXX XXXX transactions using my Chase Credit Card in the amounts of {$5000.00}, {$4300.00}, and {$8000.00} were made and sent to a recipient called alienbiopsy. I did not make these payments or authorize these transactions at all. These transactions in particular were charged to my XXXX and then sent to another individual. However, the frauder was clever enough to adopt my name as well as a former residential address that I used to live in many years ago as the shipping address of this XXXX transaction. As you know, money transactions do not ship a product from one address to another. They ship money from one account to another account. After 3-5 attempts Ive made with Chase to investigate and recognize these transactions as fraudulent, they claim that the transactions are valid and that they will no longer investigate these claims, and that I am responsible for paying for them. They even claimed We assure you we researched your fraud claim thoroughly. We closed this fraud claim and wont respond to requests for additional review unless you provide new information. 

As a result, I have been accruing interest on these transactions. I refuse to pay them because I never made them! 

Chase Bank is not making a good faith attempt to thoroughly investigate these transactions and, furthermore, despite explaining to 3 call center representatives so far that these were fraudulent, they still do not recognize the fraud just because the frauder used my name and former address as the ship to for an electronic money transfer ( an address which I lived in XXXX, in XXXX XXXX XXXXXXXX XXXX, by the way ; I live in XXXX XXXX, XXXX  now, which I also explained ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: AR
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 XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Hello i'm contacting you guys in regards to either unlocking my account or closing it and sending my check in the mail. It started with robinhood locking my card and i was unable to use the card. I tried all the ways they told me to verify generally ive had a great relationship with them they generally fix my issues. But this time they want me to verify account statements i've no longer have access to nor the banks because the accounts are closed. So id be really happy if they can unlock my card and let me continue using the service or id just simply like to close the account and send me a check of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Complain ID : XXXX It was deemed by the credit bureau , s on XX/XX/XXXX that My XXXX account was fraud but still my credit report With Equifax, XXXX and XXXX still shows this as a collection account. I sent a letter XX/XX/XXXX that will be attached to this. I am requesting that the credit bureau delete XXXX Collections off of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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 XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted transunion and I noticed that I have these hard inquiries in my credit report, I do not recognize these and they were not authorized to be carried out by me, this is causing me a serious problem since my credit score is falling too much due to this, below I list the hard inquiries which I need to be removed immediately from my credit report XXXX. XXXX XXXX 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 2023-06-10
Company: EQUIFAX, INC.
State: MA
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. 
1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX -Acct # XXXX. 4 ) XXXX XXXX-Acct # XXXX 5 ) XXXX XXXX- Acct # XXXX 6 ) XXXX XXXX. XXXX 7 ) XXXX XXXX Acct # XXXX 8 ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 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. 1681c-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 non-monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit report with Experian has an unknown email address and phone number linked to it which causes me to be unable to lock and unlock my account. Person with my drivers license info contacted my bank to verify funds in a specific account

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, NJ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}, XXXX COL ENT XXXX Balance Owed : {$86.00} These accounts and Addresses are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

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 2023-12-06
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: OH
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 have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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. the accounts i am talking about are listed below : 1XXXX XXXX acct XXXX  XXXX 2. ohio dept of human serv- acct XXXX  XXXX 3. XXXX XXXX XXXX- acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a {$6000.00} deposit in to my account on XX/XX/2017. I explained to the lady behind the desk that I was desperate to get the funds available. She ran the check through a machine an told me it would be available on XX/XX/2017. I explained to her that I needed to be sure that it would be no later because I could drive to XXXX where the Bank is located from XXXX XXXX just as fast. She said that is all it would take. I made the deposit and on the receipt it even said that there was a hod on XXXX of the deposit till the XX/XX/2017. On XX/XX/XXXX I went to same branch to withdraw my money to pay my bills and the Teller told me that there has been an extended hold on the money till the XX/XX/XXXX. At that point it was before XXXX in the Central time zone that is where the bank was located that the check was drawn on. So I left the bank and returned around XXXX Eastern time zone which is XXXX Central Time Zone so the bank would be open and Citizens Bank could call and Verify the check had cleared. I meet with XXXX the Branch Manger and she called the branch the check was drawn on. Who ever answered the phone informed XXXX that they were not permitted to do that over the phone and she would have to call a different number and use a automated system. XXXX called someone over her head and they said that an Automated system would not work only a human can verify the check was good and there is nothing they could do for me. I asked if I could get the check back so I could drive XXXX miles and get my money from the bank the check was drawn on and they said no, it was too late for that. 
What I do n't get is Money electronically moves between bank at XXXX the same day, That was put in to place back in the XXXX 's. Citizens Bank received my money at XXXX on the XX/XX/XXXX, Why do they need a human to tell them it really happened? This is unacceptable. They are XXXX me. The world wants everyone to stop using cash and are forcing us to use everything electronic, this is why I have a problem with it, Had I deposited cash this would have never happened, had they not told me in writing that my money would be available on the XXXX this complaint would have never needed to be filed. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681section 602A. 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 an 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 explanation