BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: DC
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:
m 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 {$46000.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
On XX/XX/XXXX the company XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone number XXXX did a **hard inquiry on my credit. This inquiry appears only on my Equifax report so far. That day I only authorized a *soft inquiry and was assured by XXXX XXXX XXXX XXXX XXXX ) it would be a *soft inquiry. 

The next day I received an email that a new **hard inquiry was done on me. I visited XXXX selling point again and talked to XXXX XXXX, who assured me it was just a *soft inquiry and to verify with Equifax free credit report again. A week later I checked the free report and it was a **hard inquiry, not *soft. 

I called and emailed XXXX and on XX/XX/XXXX XXXX XXXX called me back and assured me it was a mistake on their side, that I could file a dispute with Equifax and he will say that is was a mistake. I did 4 disputes on Equifax and called them on XX/XX/XXXX and they say they inquiry was done by XXXX and that it will stay in my credit report for 2 years. I asked Equifax if they contacted XXXX but they didn't told me. 

Equifax also told me to file a claim here on CFPB and email them the evidence of the claim with a cover letter, license copy, ss copy and they will review my disputes. I would very much appreciate your help please as the company XXXX is working to solve the issue but the credit company appears to not be having clear communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My information was used to apply for a Synchrony/JCPenny credit card without my permission on XX/XX/2021. It then was used to pay XXXX dollar also while I didn't know anything about it.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; KXXXX XXXX XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$6600.00} ; XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX FOR XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
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 recently sent multiple letters regarding the inaccurate information I found on my credit report. It was more than 45 days since but I did not receive any response or results.

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 2023-06-26
Company: EQUIFAX, INC.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: Upgrade, Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
To Whom It May Concern : When applying for this loan, I agreed to also open a personal checking with the institution in exchange for a lower monthly payment/rate on the loan. However, I have made multiple attempts to reach out with questions related to my loan and the process of switching my checking account, and they are impossible to get ahold of. Ive submitted inquiries through their automated system that never get answered ( but I do receive request received emails so I know they were properly submitted, as well as later feedback requested emails even though my questions are never answered ). I have attempted to call them and the phone system is a ) EXTREMELY poor audio quality and almost unintelligible ; and b ) just a never-ending hold system, with no information on where you are in the queue, or ability to leave your number and receive a call back later. I submitted an email complaint about these issues because I do not want to switch my checking over to an institution I cant get a timely response from should I run into any issues with my personal banking. I was told by a representative named XXXX that the company would not help me with my request in writing and I would have to call their customer support for a response. To me this is a red flag because I always like to have record of correspondence regarding important matters and complaints, and I think a financial institution would want the same. Also, there is the aforementioned issue of the phone system not being a practical or viable alternative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Unbeknownst to me I had 2 Macy 's credit cards. I thought I only had one and I was paying the card off on time through the Macy 's website; but somehow, a second card got charged in my name and I had late fees ( of {$3.00} not very high ). I have never had a late fee or late payment on my Macy 's card and did not quite understand how I had 2 different ones but I had indeed made those purchases they claimed. I paid the charge and closed all my Macy 's credit cards on XX/XX/2023. Macy 's conveniently found a way to charge interest on the late fee of one of the closed credit cards ; I called again in XXXX and made sure that they remove all of these charges and REALLY closed the cards this time. On XX/XX/2023, I received a letter from Macy 's saying I owed {$0.00} on my card from interest fees. I once again called Macy 's and they claim they have a charge on my card from a Credit Service company in May, after the card was closed. I have again called for closure of the account and removal of the charge but doubt they are taking this issue at all seriously and fear they will continue to give sub-par customer service and eventually affect my credit score and 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 monetary relief
Consumer complaint received 2023-02-06
Company: ID Analytics, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a XXXXXXXX XXXX  credit card through XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I received a letter dated XX/XX/ denying credit listing the reason : " Credit bureau reports applicant is deceased. '' The reporting credit agency Sagestream/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX First, I AM NOT DEAD! 

I tried emailing XXXXXXXX XXXX through their website and was unable to reach them. I found a phone number online, but they were not able to help. 
I called the Sagestream phone number. It is an automated system and after entering all my personal information ; the system notified me it could not verify my identity and hung up. 
I am not dead and do not want to start a problem that could cascade into my losing everything. I need to correct the mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX CirXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Cascade CISS Holdings, LLC
State: MI
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 reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX resides at XXXX XXXX XXXX XXXX is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : 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 non-monetary relief
Consumer complaint received 2022-10-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is the second time in the last two years where Chase actually offered me to open a checking account. I accepted their offer, after setting up my paycheck to go into this account etc. I get a letter without any explanation, that Chase decided to end their relationship with me. Chase decided to close my account. 
If there is any reason that makes sense for an account closure I am more than willing to accept that. However for Chase to arbitrarily and discriminately close accounts of any legal US citizen that has a clean record and a XXXX  credit score of 825+ does not sit well with me. It should not be acceptable to the US government either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023, I applied in good faith for a 2023 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The vehicle is shown here XXXX XXXX XXXX. Despite my consumer report having no derogatory accounts, the dealership discriminated against me and consequently, so did ALLY FINANCIAL. On XX/XX/2023, XXXX XXXX XXXX, known also as XXXX XXXX Washington, submitted my application to ALLY FINANCIAL and stated that ALLY FINANCIAL 'S response was that of Adverse Action, despite my right to initiate the consumer credit transaction. On XX/XX/2023, I called ALLY FINANCIAL requesting why was I denied. According to the representative, " possibly '' due to my credit score. This is a violation of federal law and is congruent with the act of discrimination. There are no federal laws that states a credit score can influence the denial of my right to extend credit. 
I have reason to believe and do so believe that ALLY FINANCIAL may have discriminated against me. The dealership encouraged that I place a large down payment on the application to influence their decision, however, I'm well aware that pursuant to 15 USC 1605, a downpayment is unlawful and must be included within the finance charge.

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 2023-11-23
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to file a formal complaint against Home Depot Credit/Store Card via Citi Financial regarding persistent and intrusive phone calls and unauthorized transactions on my account. The details of the complaint are as follows : Harassment through Multiple Phone Calls : Over the past month ( XXXX XXXX ), I have been subjected to relentless harassment by Citi Financial through multiple phone calls daily, at various time frames, XXXX days a week. It is essential to note that I have never provided my new phone number to Citi Financial, and despite my repeated requests for them to cease these constant phone calls, they have continued unabated.

Unauthorized Transactions : Furthermore, I recently discovered that Citi Financial has been deducting funds from my account since XXXX of XXXX  in varying amounts without my explicit permission. This has occurred even after the closure of the account in question and removal of payment sources from their website. I have reached out to Citi Financial via written correspondence, questioning the basis for these transactions and seeking an explanation for their actions. However, I have received no response from the company regarding the unauthorized withdrawals. 

I am deeply concerned about the impact of these intrusive and unauthorized actions on my financial well-being. The constant harassment and unauthorized transactions have caused significant distress, and I believe that Citi Financials ' conduct is not only unethical but also potentially illegal.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Citi Financial to halt the harassment and ensure the restitution of funds wrongfully taken from my 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 2023-05-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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 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