BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: GA
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:
This is now my third complaint in the CFPB regarding Equifax. In my previous complaint I pointed out that Equifax allowed unauthorized companies to access my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Equifax claimed that the inquiries from XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX  are " factual ''. Again I personally have no acknowledgement of these inquires whatsoever. I have a record of who I have given the permission to access my credit report. As stated in former complaints I have no recognition of EVER giving permission to access to the furnishers above. Equifax sent me information to review and confirm and again I can not confirm the information because I didn't give the access. This is not fair as a consumer to be taken through tiresome loops when I notify the Bureaus that there is inaccurate information on my credit report and they don't address the problem. They send computer generated responses and say that they " verify '' the information. If I as the consumer let them know that I didn't authorize an inquiry they must provide me with information on how the permission was given. Is there a signature given or even an account attached with the inquiry .... The reason why they can not is because there is no information regarding me giving the permission because I didn't. Equifax has sent me letters, which I will attach to this complaint, that are saying they " verified '' the information and the inquires are " factual ''. I have reached out to each of the furnishers about these inquires and notified them of the error. They have stated that they will be informing the Bureaus and apologizing for the error and yet Equifax is saying that they are factual. Clearly there is a problem and it is with Equifax not following the FCRA for who can access a persons credit. When I first notified Equifax about there being unauthorized inquires on my credit report ; they were supposed to at least place a fraud alert on my credit report to ensure this doesn't happen again, and yet, Equifax hasn't done anything EXCEPT. tell me that the inquires are factual. When they aren't. I expected more from Equifax and I don't believe that this is fair on me as a consumer because NOTHING is being done to protect my identity. I'm not sure if this is fraud and Equifax has to much pride to even take my complaints seriously. I expect them to take my complaint serious and do what the furnishers have stated to me and remove the unauthorized inquires!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
To Whom it may concern : I got an alert from my credit report service ( XXXX ) that Bank of America took a hard inquiry against me on XX/XX/XXXX ( Credit report # XXXX ). I have never authorized Bank of America to check my credit and I don't do banking with Bank of America. I had a security concern that someone else is using my identity with Bank of America. I had the same issue back to XX/XX/XXXX that was a fraudulent transaction with Bank of America as well ( CFPB complaint ID XXXX ) and I placed fraud alert under my name with credit bureaus. I called Bank of America on XX/XX/XXXX and spoke to customer service regards to the fraud that I was concerning. I was told there was a credit card application was summitted under my name. I have confirmed with BOA fraud department that I didn't authorize the transaction and that must be a fraud. I have requested to cancel the unauthorized transaction and remove the hard inquiries from my credit report. I was given a case # XXXX and asked to call back to follow up with the progress. I received a missed call from BOA ( XXXX ) today when I was in the meeting at work. I called back to reach out to BOA and tried to follow up with the previous case progress. I was keep being transferred to different departments and repeat my personal information and the whole story over and over again and stayed on the phone for about 2 hours. Finally I spoke to the fourth person and was told the credit card application was still open. I was told the credit card application will be closed. I reported fraudulent transaction on XX/XX/XXXX. But when I called to follow up today, they didn't find record of my XX/XX/XXXX report. I have emailed to XXXX as well and didn't receive any response so far. I strongly request Bank of America to cancel all the fraudulent transactions under my name and remove the hard inquiry from my credit report. 

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested that Trans Union provide me with proof of the alleged payments being late with regards to XXXX XXXX  XXXX along with a detailed description of all procedures used in your process to determine complete accuracy of information being reported on my credit file. After waiting 60 days, I made a second request. It has not been 110 days and I have not received any documentation from Trans Union and the late payments are still being reported on my credit file.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting act, 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 have 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

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 2023-04-17
Company: Nelson Cruz & Associates LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I financed some jewelry using a company called XXXX. I called one day to ask when my early buy out was and how much I owed. The lady said I owed {$91.00} left on an early payment and I had XXXX weeks to pay it. When I called back 2 weeks later to pay it another person said that the early buyout ended 3 weeks ago and I had to pay to a whole other balance. I asked to speak to a manager and they seen proof I called on my file and the dates didnt match, however he would not grant me the early buyout so I stopped the payments because what I borrowed was paid plus several XXXX more. They sold the debt to another company which sold the debt to another company and now this company is calling me back to back after I said they are harassing me. They even said they contacted me on back and have surveillance of me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX  XXXX {$2200.00} DEPTEDXXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00}

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CA
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:
1. XXXX XXXX XXXX is currently furnishing and reporting information to my consumer report. 

2. I have no relationship with this agency and have no idea how they acquired any access to my consumer report or private data. 

3. It appears they are a debt collection agency based out of Florida. 

4. They sent me an email stating " This is an attempt to collect a debt ''. 

5. I do not know how they got my personal email to send me that. 

6. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

8. The adverse item being reported has nothing to do with any sort or crime or conviction thereof and is not equitable to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2023-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my updated credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$5300.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX ENHANCED RECOVERY COMPANY Account -- {$550.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: LA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-02-28
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collection {$9500.00} paid to XXXX XXXX XXXX File # XXXX XXXX sent XXXX XXXX XXXX XXXX check via certified mail. 

XXXX Funds were received and check cleared by XXXX XXXX XXXX XXXX Received letter saying check was returned by our bank unpaid. Any arrangements that we may have with you to withhold the next step in the Kegan process were breached by sending us a dishonored check. Unless we receive a replacement payment, ee may proceed with legal action. 

XXXX XXXX from XXXX XXXX XXXXXXXX Enclosed cashier 's check ( possible copy ) with multiple dated stamps and handwriting " XXXX ''. 

XXXX I, XXXX XXXX, contact XXXX XXXX XXXX. They say the funds were in-fact sent to the debt collector XXXX XXXX XXXX and will send my a copy of proof. 

XXXX I, XXXX XXXX, call XXXX XXXX XXXX XXXX XXXX XXXX They decline to be recorded after I grant my permission to them and refuse to talk via telephone. 

XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX XXXX, is committing mail fraud and an attempt to receive multiple payments for debt already paid for and deducted from my account a month after receiving payment.

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 2021-09-22
Company: ALLIANT CREDIT UNION
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:
Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX XXXX  XXXX XXXX Alliant Credit Union XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
On XX/XX/XXXX I called to get a new card expedited but the automated service advised I had an overdraft fee of {$27.00} and some change on my prepaid card! Knowing that the balance at that time was {$81.00} the last deposit with no fees deducted I called to speak with a representative to find out what was going on because the card is a child support card and there should never be an overdraft due to the way the card is set up! I was hung up on because I told the rep I was recording the call for legal purposes! I called back ( and recorded the call anyway the next rep told me my balance was {$81.00} which was the amount deposited into my account on XX/XX/XXXX after investigating I was told the overdraft came from a previous card that was reported by me as lost or stolen In XXXX of XXXX! The charges came in on XX/XX/XXXXXXXX  one for {$100.00} and one for {$30.00} and after being placed back on hold with the representative they took the balance that was on my card, which was partial payment, another thing that should not be allowed on my card! The numbers didn't even add up! If the charges added up to {$130.00} and {$81.00} was deducted the balance of the overdraft should have been {$56.00} not {$27.00} and some change! On XX/XX/XXXX another deposit was made and they took {$25.00} but no one could tell me who withdrew the money it was showing as a deposit but it was withdrawn? After calling for almost 2 weeks because no one ever tried contacting me about the issues as promised and speaking with several reps and supervisors who also didn't understand or had knowledge of what was going on! ( should have been in the notes as a matter fact there should have been a flag on my account! A supervisor told me that its normal for a merchant to collect on a card that was reported lost or stolen and I need to contact the disbursement center for child support because they are the ones who took the {$25.00}. After speaking with the disbursement center I was told they never withdraw they only deposit. Also none of the charges they speak of show when I go online! During this process I was lied to so many times hung up on and I was not rude! This situation lead to me not being able to pay my bills and as a result I could not work because I work from home and my internet bill needed to be paid that's why I tried to get the card expedited! One of the calls were to long to attach so I created a link and put it in a word document!

Company response to consumer: Closed with explanation