BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: IL
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:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
I first became aware the XXXX XXXX account that was fraudulently open in my name around XX/XX/2023 from my credit report as so as I seen how much it was effected my credit score I did my research and I knew the account did not belong to me what so ever so I reported and keep reporting it and disputing it and have got no solution yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft!! I have file multiple Affidavit with FTC. I've contacted all three credit bureaus in reference to this! I've sent written documentation file disputes submitted proof! OVER 30 DAYS AGO! the accounts are unauthorized remove off of my credit report immediately or I will file a lawsuit!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TX
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 received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also attached the hard inquiries that have no purpose on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
As noted on my Credit Report. XXXX XXXX XXXX # XXXX is listed as an account in Collections for me. 
I contacted XXXX XXXX XXXX  and was directed to XXXX XXXX XXXX ( A collection agency ). XXXX XXXX informed after reviewing my file, that my old bill with XXXX had been paid off in 2020 to the XXXX XXXX. Therefore, my account was closed with their collection agency and they had never reported my debt being in collections with them. This Collective on my credit reports and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, 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:
IN REGARDS TO SEVERAL ACCOUNTS ( accounts listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that the referenced accounts below account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts : XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$5200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

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 2023-10-02
Company: MoneyLion Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I signed up with a credit bulider plus accout with Money Lion. The money is put inot reserves until you pay it off, This account is designed to be a credit builder. They have reported me 3 months late on money that is in reserves, and have no access to, and have severely hurt my credit report. I am small business owner, so it really took a toll on me. When I spoke to the XXXX, she refused to give her last name or I.D., she was extremely rude. I would like a full refund of the money I unvested into to this credit bulder loan, I was told that they can not close my loan until I pay it in full. Once, again, never recieved but {$100.00}, which is now part of the reserves plus the {$200.00} invested. The lady told me they reported me because they couldnot get in touch with me? I beleive I may have been scameed out of {$220.00} and negative credit report. All I want is my {$220.00} back, and for them to remove all the negative reporting off of my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This check is dated on XXXX. 
Bank of America " fraudulently '' processed the check one day earlier XXXX - causing {$35.00} NSF fees. 
Check is a legally negotiable instrument on that day specific day it was written.

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 2023-02-11
Company: Experian Information Solutions 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:
his is 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 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 2021-12-29
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a debt on my credit report that i do not recognize, I contacted the debt collector carter-young inc on XXXX with that actually being the 3rd request i asked for this debt to be validated and actually send me a signed contract bearing my signature, and I also requested the Dunning letter XXXX They have a legal duty to comply to my request if they cant produce the signed contract then the debt must be removed from my credit report, I also disputed with the credit bureaus as well and it came back verified, so if it was verified then it should be proof that i own this debt and I demand validation of this debt if not then my rights under FCRA, FDCPA has been violated and I demand that the debt be removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. Remove these fraudulent accounts that do not belong to me from my credit report. These accounts are not mine.

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 2021-10-20
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am working with a company that pays me a regular rate plus an additional stipend amount every hour. The underwriter of the company did not want to include the stipend because they didn't understand the terminology. All other lenders and banks that I have applied for personal loans, credit cards, car loans have taken my earnings with the stipend included except this Lender Caliber Home Loans , Inc . Even, after I reached out to my corporate offices, VP, HR Manager and they wrote a letter stipulating that such earnings were taxed and part of my everyday hourly pay. They refused to do that as the additional income required for me to close this loan and purchase my first new home. At first, purchasing my new home was exciting enough that at the start it seemed to be going pretty smooth. But once this was at the hands of the underwriter it was virtually impossible to close as part of the conditions was my income. Which all of my documentation shows that my income is very well qualifying me with other lenders and I am won't have any problems closing soon with a different lending competitor. However, I do want to submit a complaint as I felt that this stressful situation was unnecessary if they would have simply taken the information pertaining to my income that is coming directly from my employer and my verification reports that were provided. I felt angry, stressed, and even ill at one point as no matter what I would send to the underwriters and executive team at Caliber Home Loans , Inc would not get past, " what is stipend ''. This was the continuing battle between the lenders and me. I wish that they help others in the future and the reason why I am submitting this complaint is to stop this type of discrimination or lack of understanding when all of the data was presented to them without any question. I am currently withdrawing from this lender Caliber Home Loans for that reason and have received approval from a competitor with no issues accepting my earnings including my STIPEND that Caliber Home Loans, Inc could not accept after all documentation showed it was part of my hourly, bi-weekly, quartile and yearly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EAST WEST BANK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, I am writing to file a complaint against East West Bank 's XXXX banking service. Without any prior notification or explanation, my account with XXXX was closed. I have always maintained my account in good standing and have not been involved in any suspicious or unauthorized activities. 

I would like to highlight the following details : Date of Account Closure : XXXXXXXX  Account Type : Checking, Savings, etc. ] Actions Taken by Me : Upon discovering the closure, I attempted to contact XXXX XXXX customer service for clarification but received no clear explanation for the action taken against my account. 
I understand the importance of adhering to banking regulations and protocols. However, I believe that as a customer, I deserve transparency and communication regarding any significant changes to my account status. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter. My primary goal is to have my account with XXXX reinstated and to understand the reasons behind its closure. 

Thank you for your attention to this matter. I am hopeful for a prompt resolution. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, I tried to purchase some souvenir in XXXX from XXXX XXXX ( the vendor ). After swiping my card and taking my signature, the vendor demanded copy of my passport and my social security number before he would hand over the souvenir to me. This appeared a scam and I refused to share this information. I walked out and the vendor did not give me any product. When I saw the charges on my credit card, I disputed it with Citibank, clearly telling Citibank that I did not get any product from this vendor. In their response to my dispute, the vendor admitted that they did not give me any products. 

This was an attempt to extort money from me in a foreign country and despite of knowing all the facts : - Vendor asked for illegal information ( copy of passport and social security ) - I did not receive any products from vendor Citibank is asking me to pay for this charge. Citibank 's fraud department told me that Citibank customer service should simply waive this charge as I never received any goods or services. 

The card used for this transaction has expired since then and Citibank has issued me a new card with a different number that I have provided as part of this complaint.

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 2023-01-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It came to my attention on Friday, XX/XX/2023, that for a year on my personal checking account with Chase, I was experiencing fraud using a false XXXX Account. Someone had somehow got my Debit Card information for this checking account and was charging small amounts at first {$10.00} here {$7.00} there and then they started charging, in the last few months, hundreds of dollars. This account is used for just deposits and paying my monthly electric bill and XXXX fees. I have not used this debit card in over a year. The amounts were not that much and went unnoticed. I have provided a letter from XXXX confirming this is not my account as well as a transaction history from them showing these charges are not mine. Even after putting Chase on notice on XX/XX/XXXX they still let additional charges go through for another {$190.00} in XXXX day. Chase has refused to reinstate this loss to my account stating " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' I have also gone to my local branch office to get further assistance however this has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NJ
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:
DELETE THISES INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: ECMC GROUP, INC.
State: LA
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 its website, ECMC states, " ECMC has ceased all collections activities on defaulted student loans until XX/XX/2020. The only exception is if borrowers wanted to pursue a voluntary resolution to their debtin which case they were assisted with that resolution. '' We were a few months into the pandemic before I was told that their statement didn't apply to *my* defaulted student loans. 
It was true. My credit report shows that my loans stayed in collection status until they were paid in full when I consolidated them. I would have moved a little faster on the consolidation had they not assured me on their website that " all collections activities '' on my accounts had been stopped. 
My loans were FFELP loans. So, although the statement on their website didn't specify which kinds of loans they'd cease collections on, the truth is that they weren't forced to stop collections on my accounts, so they kept reporting me as being in collections. 
Recently, the White House moved to retroactively include borrowers like myself, who weren't covered by the CARES act, in this financial protection. Companies like ECMC are expected to charge no interest during the time of the pandemic and to retroactively stop collections activity. The credit reporting agencies have asked to be " understanding. '' I filed a dispute with XXXX for a second time ( the first having been about my being told that collections had ceased when they hadn't, and my being reported as in collections for loans that, after being in an income-driven repayment plan, still, today, on my credit report, show a monthly payment of {$0.00} due while I was in collections ) about ECMC 's reporting. I didn't ask for a refund of the random amounts of interest they charged to my loans monthly, and sometimes twice a month, during the time which, now, they've been told that no interest should have accrued. I just wanted the collection activity to be removed from my report. They refused.

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 2023-10-25
Company: Professional Debt Mediation, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PROFESSIONAL DEBT MEDIAT is reporting that I owe {$4900.00} for Promenade at XXXX which is apartments. Im not for sure if this a doubt that Professional Debt Mediat purchased, but I do not owe them or XXXX XXXX. In the state of Georgia a minor under the age of 18 years can not enter into rental agreement as a guarantor or a co-signer. I was not responsible for this account and have provided my birth certificate and identification showing I was under age and this was illegal for anyone to do in my name. The company continues to report this balance to the credit bureaus for years. Which has impacted my credit report for loans and renting a place to live which has caused me a hardship.

Company response to consumer: Closed with explanation