BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: VA
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: IL
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 and XXXX  account # XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXX amount {$100000.00}, account XXXX XXXX XXXX {$490.00} date XX/XX/XXXX, account XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX {$1000.00} XXXX has violated my rights. 
15 U.S C 1681 section 602A stats I have the right to privacy.

15 U.S C 1681 section 604A section 2 it also state a consumer reporting agency can not furnish a account with my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over 30 days ago, I sent letters regarding inaccurate and unknown things on my credit report. Up until this point, I haven't received any word or feedback from the consumer reporting agencies on the status of my disputes or complaints. I feel like I'm being ignored and my disputes are being taken lightly. In section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. My name is XXXX XXXX. Any variation of my name besides that is not me and I demand it be deleted from my consumer report. The address that I live at is XXXX XXXX XXXX Any variation of that address that says otherwise is not correct and shall be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lack of credit for loan. I am XXXX. I have been on SSDI forever. I had been working on gaining credit before but then when I got married XXXX XXXX, government took over half my check. So tell me how am I supposed to build my credit further. So regardless of the fact that I have a good score and almost the total amount needed in my account already. Still denied. Their system is completely biased against those with low income and in poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried SEVERAL times to cancel my account which is automatically charged to my credit card at {$24.00} a month. You can not cancel online and they will not answer the phone of you select cancel through the automated system over the phone. Hold times are often over an hour and sometimes several. I am yet to get them to answer at all. I'm canceling my credit card as this is the ONLY way I can get the charges to stop. This can not be legal.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 I called and reported to XXXX XXXX and EXPERIAN that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies XXXX XXXX and EXPERIAN all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer 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 explanation
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX  I received a Chase business card in the mail and a copy of a cancelled check for over {$43000.00}. I automatically contacted the bank because I don't bank or own any business accounts with Chase. Just to be clear, I don't have any business banking accounts. The bank refused to close the accounts until I provided proof of my identity which included social security number, date of birth, full name, address, and the name of my employer. I found this interesting because this information was not provided when someone opened the accounts. 

I explained what was going on and ask for further information and was told to mail in a copy of my ss card, and photo ID to a XXXX XXXX XXXX. From XXXX XXXX XXXX until XXXX XXXX XXXX there has been XXXX fradulent accounts opened with Chase bank under my name. There has been no bank inquiries on none of my credit reports for business accounts. One of the accounts was opened in a brach in which they refuse to provide the information Chase refuses to provide any evidence for me to file a police report until after they have completed their investigation. After speaking with branch employee in person, I was informed this has been a frequent occurrence with Chase online accounts due to lack of security measures. I will be seeking assistance of an attorney, due to the negligence of Chase bank and the number of accounts the person was able to open after flagging the initial account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
There are 2 credit accounts for XXXX XXXX on my report currently I disputed for accuracy. I disputed these along with several others that were fraudulently placed on my credit report by that company for accuracy. I disputed these in XX/XX/XXXX or XX/XX/XXXX and did not get a response until XX/XX/XXXX. They did not comply with the time periods to respond to my disputes, they are in violation. I have redisputed this several time for them to remove the credit completely from my report as a result of their neglect to respond to my dispute within the legal time allowed by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NV
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX AUTONATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to fraudulent activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents as well as the FTC report I received from the Federal Trade Commission for reporting the fraudulent accounts on my Credit Reports. I request the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act section 605b : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3300.00}. These accounts were never made by me nor did I authorized anyone on my behalf to do so. These accounts are clearly fraudulent and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.

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 2021-07-16
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:
I am gravely concerned about the validity of the information that is being provided to me by XXXX XXXX, XXXX because they have been sued numerous times for unfair/illegal FCRA practices. 

Please see link : https : XXXX XXXX As such, I have contacted them along with XXXX XXXX  and Experian several times to request verification of the alleged debt that has now been listed on my credit report as a " charge-off account ''. However, after speaking with XXXX at extension XXXX, her supervisor XXXX XXXX and another supervisor named XXXX, I have been unsuccessful in my efforts to obtain any documentation ; they only demand payment on the account based on allege " time-sensitive '' offers that are available to settle the account. Their practices have been questioned in the court of law and therefore, I am concerned about their tactics to collect payment on an account they are unwilling to verify or provide any documentation on. If they are unable to verify and validate this debt, I demand for the account to be immediately deleted from credit report Furthermore, The XXXXXXXX XXXX account is fraudulent. The account has been disputed numerous time & I have requested the verification method that was provided to Experian by the data furnisher to validate the account. Each time the accounts comes back as allegedly " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this is a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account and failure to do so results in the account being deleted from the consumer files. Experian is in direct violation of consumer credit reporting practices and I will take the necessary legal action if necessary.

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 2023-11-06
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$44000.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request an investigation and correction of the accounts listed below, which I believe to be incomplete and inaccurate on my credit report. 

The account in question is with XXXX XXXX XXXX, with an account number of XXXX and a balance of {$7900.00}. I find it unacceptable that this account is labeled as " XXXX XXXX, '' yet a balance remains on the statement. I request an immediate explanation for this inconsistency, as the balance is undoubtedly incorrect. I demand that you rectify the issue by setting the balance to XXXX or removing the item from my credit report entirely.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX 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 2023-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the cosigner on a student loan for my son. It is with CitizensXXXX XXXX Late XXXX, my son was between jobs and on XXXX XXXX he called Citizens/XXXX to request a forbearance. He spoke with one customer service agent who recorded the conversation and said that he was approved for the forbearance and that payments would resume XX/XX/XXXX. He called again on XXXX XXXX to verify that this was correct. He was told that XXXX was assuming the loan from citizens and to log into his portal because they showed that he was in forbearance. Fast-forward to XX/XX/XXXX. I get a credit alert from XXXX that I was 60 days late on this account. This is the same account that we were told was in forbearance until XX/XX/XXXX. We both called several times and were initially told that they ( XXXX ) did not show any delinquencies and that they would investigate and get it removed. 10 days later I get another hit on my credit report indicating 90 days past due. I had to call on 4 separate occasions to XXXX and I finally got an individual who said even though they assumed the loan from Citizens, it was still SERVICED on Citizens platform and gave me the correct number. Needless to say, it should not have been that difficult to reach the servicer of the loan. 

I then called Citizens to complain as to why as a cosigner I was never contacted either by phone or by mail that the account was delinquent. I was " told '' that I was called and sent mail and they also said that my son received mail as well. This is a false statement. I was never contacted by any method because if I had been, as cosigner, I would have made payments and settled up with my son later. We live at the same address and I am the one who check the mail and would have seen email from CitizensXXXX XXXX The XXXX portal that I have been logging into has no information on this loan that has supposedly been assumed from Citizens by XXXX. I have voicemail on my cell phone to where a voice mail could and should have been left if there had been any attempt to contact me via telephone. I have written and spoken with Citizens requesting a one-time removal of the information because I was never contacted and they swear that I was notified and that they are not removing any information. I made the entire arrear payment that same day that I finally got in touch with the correct lender/department . I also created an online account with Citiznes that same day by which the payment was made. I had been viewing all information via the XXXX website up until XX/XX/XXXX. What is even MORE frustrating is that all the documentation of the contact made by Citizens to me in late XXXX was still in my alert center but ABSOLUTELY NO information, message or email regarding a delinquent status. I am attaching screenshots of the message center of my online account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: UT
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:
In accordance with FCRA 605B, I requested a block of information on my Experian, XXXX, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( previously determined to be fraud in XXXX XXXX XXXX Block. Except as otherwise provided in this section, 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 by such agency of ( 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 information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX XXXX, XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.

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