BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
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:
I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-11-12
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
So, reading the article just now is telling me nelnet is not under the Department of Education? For years, I have been doing income driven repayment plans. I applied to the Department of Education website .This whole time, I believed they were the department of education. In fact, I reapplied on XX/XX/XXXX, and it has been pending since. They wont answer the phone or emails. Now they are reporting to the credit bureau Im over 90 days late and running around trying to figure out how that is when repayment started on XX/XX/XXXX. Never once until now have I been late, nor has anything been reported. It even says loans that strat with e which mne does repayment starts XX/XX/XXXX. I would never have taken out a loan from a bank or whoever ever nelnet is, and my loan didn't even begin with nelnet it was 25 years ago and was a different name. I always believed the reason it couldn't be added to a bankruptcy is because it was the department of education. BTW it says I owe for 1 month almost XXXX. I don't even make that much a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00}.

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 2023-10-06
Company: EQUIFAX, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
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:
XXXX XXXX  opened on XX/XX/XXXX {$3000.00} XXXX  XXXX opened on XX/XX/XXXX {$3100.00} The creditors above are falsely reporting accounts that were opened without my consent or knowledge.This is a case of identity theft and a clear violation of my rights under the Fair Credit Act Section 609 ( a ). I have already filed an identity theft report as well as a complaint with the better business bureau and identity theft gov and I demand this account be removed immediately from my Experian, XXXX, and XXXX credit report or I will pursue 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
Consumer complaint received 2023-08-24
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I supposedly had a debt account according to the representative that called me. When I informed her that I have no such account, she got aggressive.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
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:
I noticed unauthorized credit inquiries on my report according fcra these unauthorized and unverified items must removed XXXX XXXX XXXX its illegal

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 2023-08-29
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: TX
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 submitted a dispute to all 3 credit reporting agencies that this account opportune was paid in full and they have not removed this account off of my report as paid. I have attached the paid in full letter.

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 2023-08-01
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I went to XXXX XXXX to to clean my vehicle ( rental ). At some point I left my phone at the store.. due to the detailing it takes me a few hours to clean the car.. during this time I used my debit card to purchase gas still not noticing my ohone was gone. when I finally realized my phone was gone I went back in the store at which time a lady stated that someone just brought it up. I got my phone and went about my day.. a short time later I noticed a charge on my account paid out to a random email of {$200.00} and then a second showed up moments later while I was in my app of {$20.00}. I have disputed these charges as I am unaware of the charges or email associated. I have had this account for a few years and nothing like this has ever happened. I submitted a dispute for the charges and have received an email stating there was no error that occured.. yet my money is gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see that I have a debt in the amount of {$110.00} to Credit collection services from XXXX on my credit report but I have not received written communication or a phone call about this debt. I also never heard from XXXX about this debt. I have no way to contact them and have no idea why I have this collection on my account for owed money to an insurance company I had years ago. 

This is an unjust attempt of collecting a debt and a poor business approach. They have left me unable to do anything because I have no possible way of making contact with them to even find out what this debt is for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, American Express requested a {$200.00} payment from my XXXX checking account. On XX/XX/XXXX, American Express charged me {$27.00} for a returned payment and I was also charged a fee at XXXX. My XXXX representative and I called American Express to request if they could stop automatically sending requests to my bank account, because each time this happened without sufficient funds, be it for {$1.00} or {$100.00}, I would be getting charged fees on both ends. My XXXX rep was willing to work with me, while American Express was not. 
American Express communicated that requesting payments from my bank was out of their control because it occurs automatically and there is no way to stop it. Customer Service at American Express claimed that it was unable to involve itself in the process. 
American Express made no attempt to help me with this, and as a result, regardless of how much the amount could be, I would potentially be charged multiple times by my bank because American Express claimed that it has no control over a system that is automated. My bank was willing to work with me for these charges, but American Express, who could have worked to prevent these payment requests from recurring, was not able to offer any other solutions. 
Just to illustrate, let 's say that the payment request to American Express is {$1.00}. If I have a negative balance of - {$2.00} at my banking institution, and they reject the merchant 's request, I would still be charged {$27.00} at American Express. Even if escalated, based on what the customer service rep communicated, they would not be able to stop the future merchant requests for {$1.00}, no matter what.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Cash App account was tied to my debit card with XXXX. During the end of XXXX and through XXXX both my XXXX and my Cash App were hacked and fraudulent checks were deposited to my XXXX account and Cash App withdrawals were immediately used to pull the money out. The total amount of fraudulent checks deposited to XXXX were {$17000.00}. The total Cash App fraudulent withdrawals totaled {$10000.00}. When the fraud was discovered I immediately deleted my Cash App account to prevent more fraud. XXXX provided me copies of the checks that were found to be altered/fictitious and not my responsibility, they reversed those checks out of my account. The Cash App transactions were not reversed and XXXX is refusing to accept responsibility and is now turning me over to a collection agency. I've tried many times to get in touch with Cash App and the only way possible is by Chat through the app. They are telling me that because I deleted my account, my account data was wiped and no longer available. They will not provide me with a way to report the fraud for investigation. While my Cash App was active I would always get an email of my transactions and I never received any emails of the transactions that were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CCS Financial Services, 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:
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, and date of last activity verified and provided to me as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Original Loan Modification application # XXXX Residence XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX submitted as of XX/XX/2023. Furthermore, illegal migrant squatters vandalized and destroyed residence. The renovation and repair are be done from personal finance s. Seleene finance is not processing loan modification application and requesting research. Unfortunately, that bank has filed foreclosure mitigation due to Seleene finance unable to service loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TN
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, is reporting my account for the month of XXXX, 2019 90 days late on my XXXX, consumer report and a 120 days late for the same time on my Equifax, XXXX consumer report. This error is causing the student loan accounts to report negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NY
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, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EQUIFAX , INC . I'm looking for an fair and equitable solution to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Experian Information Solutions 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:
There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXX XXXX Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX Information balance is  {$140.00} and was posted XX/XX/XXXX 16

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 2018-04-21
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:
IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. THIS CREDITOR HAS BEEN REPORTING 2 ACCOUNTS INACCURATELY AS IF THE ACCOUNTS ARE ACCURATE. HOW IS THIS POSSIBLE WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT WHICH I HAVE PUT THE BUREAU EQUIFAX ON NOTICE AS WELL AS XXXX XXXX XXXX THAT THESE 2 ACCOUNTS THAT WHERE OPENDED FRAUDULENTLY. I'VE SENT NUMEROUS DEBT VALDIATION CERTIFIED LETTERS IN TO THE COMPANY ON XX/XX/20018 RECEVIED BY AGENT XXXX XXXX ASKING TO PROVIDE ME WITH THE ORIGINAL DOCUMENTS THAT CONTAIN MY ORIGINAL SIGNATURE. NO RESPONSE HAS YET TO BE GIVEN IN REGARDS TO THIS BUT A BOILER POINT STATEMENT PRINT OF CHARGES THAT SOMEONE ACTED AS ME AND CONTINUED TO PAY ON THE ACCOUNT. WHEN I CALLED IN AN SPOKE WITH A REP. REGARDING THESE FRAUDLENT ACCOUNTS SHE STATED " THE NORMALLY IF FRAUD IS COMMITTED THEN THE THIEF DOESNT PAY THE CARDS IT'S JUST A ONE TIME USE AND THEN THEIR DONE ''. I EXPLAINED TO HER THAT THESE CROOKS HAVE EVOLVED AND IF SOMEONE IS TRYING TO LIVE AS YOU AND CAN NOT GET CREDIT IN THEIR NAME THEY WILL PAY THE BILL TO KEEP IMPERSONATING YOU. IT'S COMMON SENSE THEIVES ARE NO LONGER XXXX. I AM SO XXXX UPSET BEHIND THIS FRIVOULOUS REPORTING I CAN SCREAM. I HAVE NEVER HAD A XXXX XXXX XXXX ACCOUNT NOR HAVE HEARD OF THEM BEFORE. THIS IS TRULY INSANE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received notice from IRS CP2000 of taxes due on Cancellation of Debt. Today, XX/XX/XXXX, I contacted Portfolio Recovery Associates LLC to discuss a {$15000.00} Cancellation of debt that is noted on the CP2000 form. Information obtained from Portfolio Recovery Associates noted that the debt was a " XXXX XXXX '' from XXXX XXXX  for a cosmetic procedure performed on XX/XX/XXXX at XXXX  XXXX and XXXX in XXXX XXXX Michigan. It was also noted that the address listed for me at that time was XXXX XXXX XXXX IL. I have never had XXXX  XXXX. I have never been to Michigan. I have visited XXXX once in XXXX. I have never lived in any other state other than North Carolina. I have lived at my current address in North Carolina since XXXX. I have never signed for another individual for any XXXX XXXX. I have been employed by the same company as a XXXX XXXX since XX/XX/XXXX. 

The ACCOUNT # for reference is XXXX. 

I ran a credit report and noted that there are 2 addresses on this report that I have NEVER lived at ; and both of those addresses are from the state of Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-11-07
Company: Kikoff Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had got chime had XXXX and loss my job I miss a few payment I try too reach out too da company to get a 1 time good will adjustment but they said no

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation