BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: LA
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:
Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form 14039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all 3 Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and Uncle. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and Equifax, but XXXX stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: VA
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'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 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: In progress
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I need to update my personal address and remove the other addresses from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went online on XX/XX/XXXX to schedule a payment to come out of my checking account via XXXX on XX/XX/XXXX. I received a confirmation email this same day, stating that I had successfully scheduled my payment. ( Please see the attachment ). On XX/XX/XXXX, I received an email stating that my payment had been suspended due to the status of my account. I had not received any other communication ( phone call, text, letter ) about the payment being suspended. I called Ally on XX/XX/XXXX and spoke with a representative about the email that I received and was told that by the representative that I had not received an email from them. I had to explain that I had gotten an email from them. I was then offered to speak with someone on the online team. I asked if I would be able to speak with a supervisor, since I was not getting the answer that I needed. I was told that I could not but a supervisor would give me a call back by XXXX EST. I received a missed call and when I called back I was told that since I missed the call I would have to wait for another call from a supervisor and it would be by XXXX. I did not get that call. I called on XX/XX/XXXX, and spoke with a lady that stated her name was " XXXX XXXX XXXX. '' I asked to speak with a supervisor and was asked what was going on. I gave her the details and she placed me on hold supposedly getting a supervisor. She thought she had the phone muted and I heard her talking about me and when I responded, she immediately muted the phone and placed me on hold. When she came back on the line she said that her supervisor stated that just because you make a payment on an account does not mean that it immediately comes out of your checking account. This was not what I was calling in reference to. My issue was knowing why the payment was rejected by Ally not anything concerning my bank. I feel as if I have been given the run around and what was a simple question that I need the answers to, has still not been explainhed

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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2021 card was blocked for fraud. When I called XXXX XXXX for an explanation I was told that they could not tell me the reason for the block due to fraud investigation. That was 2 years ago. I have XXXX cards with XXXX XXXX. The card blocked was that used by the Authorized User ( My XXXX ). This block was instrumental towards credit blemish as per Experian. My son reached out to XXXX XXXX for a resolution as I have also done myself. I paid my card in full back in XXXX XXXXonly to be penalized for the added fraud block without premise. I am the Account holder my son is the authorized user. I often times blocked my son from using the card for overspending. He would max his card out and I would have to pay it in full, so I would block him. XXXX XXXX decided to place a block on the card in XXXX of 2021 due to numerous declines, now XXXX XXXX is backpedaling stating the block was due to inaccurate address information, meanwhile my Credit XXXX card was never blocked. Both cards are under my name, my address. Two years barred from using the card, and the audacity to incur member protection fees!!! I called again today as a result to resolve the issue, escalating the call to XXXX levels according to representatives whom I do not believe even escalated my call. It went from representative, to Supervisor, to Manager then Supervisor then to corporate when I stated I was going to the Consumer Protection Bureau. I asked them to remove the ridiculous block, remove the fees, my son was barred from using the card I got him as an authorized user and my card was used monthly for a veterinary insurance bill on a monthly basis. Thats it. This has caused credit issues and I need a resolution.

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 2023-05-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, 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 2021-10-12
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2021 I submitted a dispute letter to Experian in regards to inaccurate and unverifiable information on my credit report. I submitted legible, required identification along with the dispute. On XX/XX/2021 I received a response from Experian stating that they did not process my dispute because my ID was not legible. They LIED! I submitted a copy of my ID, Utility bill, and last 4 of my SSN all legible. I called Experian on XX/XX/2021 and the representative confirmed that my ID was legible and they wanted to confirm it was me. I confirmed my identity over the phone and requested that they proceed to process my dispute letter. The representative denied my request and stated that I had to dispute over the phone. The representative stated that only XXXX and XXXX XXXX were the only accounts on my report in regards to the dispute letter. Experian lied again because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX are also on my Experian report. This is costing me time and money and stressing me out. Experian did not respond to my original dispute. Nor did they address ALL of the disputed accounts regarding the phone dispute. I am demanding assistance in dealing with this fraudulent company. 

Attached Documents : Original Dispute ID Sent With original dispute Experian Response to original dispute Call to Experian Log Experian phone dispute log

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 2023-03-22
Company: Bread Financial Holdings, Inc.
State: MT
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:
Victoria Secret is really starting to get on my nerves. I'm literally considering suing them for altering my credit, when it shouldn't have been altered in the XXXX first place. 

The cards owner is my wife. She added me as an authorized user months ago. 

When I found out about it via my credit report, I told her to take me off as that has serious reprucussions if her account is late. 

She then called the company and told then to take me off as an " authorized user '' and said they had done so. 

So one, its not my XXXX account Two : my liability is gone because the company VICTORIA SECRET agreed to remove me as an authorized user. 

Three : This company literally just violated FCRA, and such applicable laws that follow suit with it. If this company isn't held responsible, I'll be sure to have a lawsuit. 

Get it off my XXXX credit report. 

Thanks, your sincerest credit consumer that doesn't use Victoria Secret

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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:
On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to Equifax asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( Equifax , XXXX  , and XXXX  ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
my account ( # XXXX ) with NetCredit was paid off through an agreement with XXXX XXXX XXXX. In reviewing my NetCredit Account History, the initial loan amount was {$5100.00} on XX/XX/XXXX. To date, I've repaid {$11000.00}, of which only {$1100.00} applied to the principal. In XX/XX/XXXX, through an agreement with XXXX XXXX, Net credit accepted a payoff balance of {$4800.00}, with a monthly payment of {$220.00} per month. XXXX XXXX XXXX, have informed me that my loan is now paid in full as of XX/XX/XXXX. The final payment of XXXX was posted on XX/XX/XXXX, to my NetCredit account. However, my account is still showing a balance of {$3900.00}. Not only is this paid off NetCredit continues to raise the reported balance on my credit report. This company continued to report false information on my credit report and refuses to remove it. It is reporting that I have been past due for over 180 days on this account for the last 24 months. This is impossible because they agreed to accept a monthly payment that was never late. I would like this account removed from my credit reports immediately. 
On XX/XX/XXXX, I reached out to NetCredit to resolve the discrepancies and misinformation in my account. They responded, " Thank you for contacting NetCredit. 
In response to your recent email, it is very important that we speak to you. Please call the Collections Team for further assistance with questions regarding your account. While I have noted your account, collection procedures will continue until an acceptable payment arrangement has been made ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: GA
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 contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
" Delinquent Payment You missed XXXX XXXX XXXX XXXX payments since XX/XX/2022 '' Incorrect. 
There was a period where I missed payments, approx. 14-15 months ( Transunion took points the entire time ), but started paying my acct again and have done so for approx. the past 9 months and haven't missed any payments since ( I have proof ). 
I'd also greatly appreciate professionalism from whomever deals with this, you do not own transunion, you only work for them... .so let 's not take my complaint " personal ''!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MI
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:
Unauthorized hard inquiries from XXXX and XXXX XXXX that Im unfamiliar with. 
Along with XXXX and XXXX running multiple hard inquiries Im not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: MD
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:
I have three federal loans with XXXX. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX I wrote a check for my quarterly payment to the IRS for {$4000.00}. I noticed that this check cleared my XXXX XXXXk Account back in XXXX. In XXXX of XXXX, I received mail for the IRS stating that they never received this payment. So, I asked XXXXXXXX XXXX for a copy of the check. I learned that my check that is/was made payable to " US Treasury XXXX was deposited ( or cashed ) in/into a Chase Bank. The check was/is endorsed by what appears to be an individual 's name. I have a copy of this processed check ( front and back ) for you to review. I asked my bank, XXXX to help me. They processed a claim with Chase. Chase denied my refund unless I provided them with a signed/notarized affidavit signed by US Treasury XXXX I went to the IRS XXXX at XXXX XXXX XXXX, XXXX. Tx XXXX. The IRS told me that they can not and will not sign such affidavits. I then went in person to a local Chase Bank and sat with the bank manager. She told me that I had to have my bank fill out a form and send the request to Chase. I explained that that process was done and that is how I got to her. She said there was nothing else she could do. I ended up calling an XXXX number and asking Chase to consider helping a non-customer request. They did call me back and said they would not help me.

Company response to consumer: Closed with monetary relief