BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: LA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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 XXXX XXXX, 2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account from 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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the account that does not belong to me or was opened without my permission. 

XXXX XXXX Balance : {$250.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX To whom it may concern, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : EQUIFAX Made by : XXXX XXXX Made on : XXXX XXXX XXXX Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated, daily robo-calls, offering me payment plans. I have no idea what this is about, I am on the Do Not Call registry, and I want the calls to stop. I will not have any contact with this company ( Gulf Coast Collection ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NY
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 have sent a email to Experian stating a hard inquiry was not authorized. They contacted me back with a stall letter via email stating that they did not believe it was me, to send identification which was sent originally. I sent a follow up letter stating it was me with the identification with the report number. They have contacted me once again with the same email.

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 2023-08-02
Company: Kikoff Inc.
State: VA
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 been asking questions for months now about my score increases not being accurate on their website. It shows XXXX points each month for 3 months. When I first signed up it did not say that they didn't report to all 3 Beraus and now they are trying to get me to pay more to do so. I want my money back and I want out of this service and I am worried about my credit score. You can't talk to someone on the phone and no one has ever responded to my emails regarding this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XXXX of XXXX, the Wells Fargo Bank in. XXXX AZ, aided me to an opening of a Platinum Visa Credit Card Secured Account which was pre-approved with a XXXX XXXX Dollars ( {$300.00}. ) intial XXXX. XXXX XXXX, I had only received an Account Number, ending in, ... XXXX without the Card. In the Account Statement, there was no Credit for said Deposit, rather a XXXX ( {$0.00}. ) Dollar balance. The Bank Manager 's name was XXXX at that time and whom I made the Initial Deposit to.

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 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. When it was opened, it appears that I was only XXXX XXXX XXXX. I have no knowledge of this account. I am including a copy of my birth certificate to prove my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
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:
My name is 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 2018-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
checking account XXXX under the name XXXX XXXX   was opened fraudulently and attached to the savings account XXXX with {$50000.00} that was electronically transferred from XXXX XXXX. XXXX XXXX sent out {$50000.00} under my name and social and dob, but bank of America and XXXX XXXX kept my name XXXX XXXX but changed the dob and social and used the address XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX  when I went to Bank of America to bring this to their attention they called the police in front of me, but there is no record from XXXX XXXX police department. I met with XXXX XXXX deputy outside the bank and he told me to go to report this to the XXXX XXXX  Police. I did drive there and arrive at XXXX XXXX XXXX to file report XXXX  with the agency on XX/XX/2018. Since then I went to Bank of America and they still have not disclosed their plans to allow someone else to continue using my name and {$50000.00} in XXXX XXXX, Florida. I have case id XXXX from the past as a reference. Also, BOA sent a letter to my address saying that credit card account number XXXX XXXX XXXX XXXX is reporting correctly on my credit file, but I do not see it anywhere on my credit file. Please tell me what credit file they are referring to?

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 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit 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 2023-06-28
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account ( XXXX ) # XXXX, # XXXX, # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
they are trying to collect a bill from XXXX that Idont owe contacted XXXX XXXX they say I don't owe anything XXXX XXXX XXXX are trying to collect for XXXX XXXX dollars call XXXX today and they say I owe them nothing, these people are reporting me to credit bureaus

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-21
Company: WELLS FARGO & COMPANY
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:
I noticed a strange monthly autopay on my Wells Fargo checking statement that went back as far as I could look on the WF online banking. The payment was for Wells Fargo credit card that did not show up on my online banking, nor did I recall opening the account. I called Wells Fargo in XXXX and told them of this issue. They said the account was opened in XXXX in a branch, but without a signature. I do not believe I opened this account. Since XXXX, Wells Fargo has been taking from my checking account anywhere from $ XXXX $ XXXX monthly and paying this credit card which I never had possession of, nor did it appear in my online banking. When I spoke to them in XXXX, they said they would open an investigation and give me a call in 2 business days. A month later, they still had not called me back. I called again and they said they closed the case. I opened another case and no one called me. They sent the letter from their " investigation '' to my old mailing address. The investigation letter contained a number of false statements ( for example, it said the credit card had been used as recently as XX/XX/XXXX, but I obtained all the statements and it had not been used since XXXX ). I called back and was given the run around once again. I believe Wells Fargo fraudulently opened this account in XXXX, withdrew thousands from my checking to " pay '' it, and now have been giving me the run around for nearly two months.

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 2023-11-22
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:
The following inquiries on my credit file are a result of fraud. Please remove these hard inquiries. I have also filed a complaint with the FTC which only allowed me to add some and not all inquiries 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 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 2023-11-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: MI
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:
Equifax has violated my Federally protected rights under the FCRA. I contacted Equifax today letting them know the account XXXX XXXX should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to XXXX XXXX but Equifax said they submitted paperwork saying it mine which is inaccurate. Equifax credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Cascade CISS Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Javitch & Block sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. 

Yet they took me to court. They never showed a proper Bill of Sale or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so shoddy and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.

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 2022-10-06
Company: Paypal Holdings, Inc
State: NJ
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:
This company called pay pal illegally charged my card, but I never authorized them to use my card, may be someone misused my card and I want the refund immediately, I never used that company service or ever heard about them

Company response to consumer: Closed with explanation