BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: KY
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. However 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

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 2023-12-07
Company: Experian Information Solutions 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:
There is information being reported that is not associated with me. I have circled this information that needs to be removed. I have provided my Id and proof of address showing my true information.

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 2021-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: IN
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 and I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. XXXX and Experian unlawfully furnish my information without my written consent. My personal right to privacy has been abused and violated under the XXXX XXXX XXXX act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next 7 business day as stated under law. XXXX XXXX XXXX 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 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 2023-06-12
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: Investigation took more than 30 days

Complaint:
Experian did not investigate my request and has been way past 30 days. Never received a letter, email or any written document pertaining to my request! I sent in letters about my Accounts ( that are reporting inaccurately ) XX/XX/23 and never heard back from there. Now I am submitting a 30 day to demand letter to you all which they never responded to as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Affirm Holdings, Inc
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Back in XXXX XXXX XXXX I contacted Affirm to pay off a {$95.00} balance. Prior to that I experienced financial hardship and had no choice but to get back to it at a later time. Unfortunately, it ended in a charge-off. As soon as things got better for me I contacted Affirm to pay the debt and did so. Years later I have applied for their XXXX service and continuously get declined - even today XXXX XXXX XXXX. So, I then contact them via email and explain this situation and each time they continue to send me generic letters. I learned that the generic letters are not truthful. The letter states that their decision is based on XXXX credit bureau information ( who I have a XXXX score with ) - so it can't be that. Then the letters goes on to say that it's bc I applied for amount above what I could approve for. I don't know how that could be bc each time that I've applied I never selected an item with an amount attached. I just clicked the " apply for a loan '' button without an item selected. So that can't be the reason either. 

Finally, I call the XXXX number listed in the letter. I explain the above to the representative who tells me it's my status of having a charge-off- which is still in my records and can not be deleted. I ask for a supervisor who tells me the same thing. They CAN NOT DELETE a XXXX year old blemish on my account. I'd like to know if this is the factual truth. With technology the way it is now, they mean to tell me the system they use is unable to update/delete so that I can have a 2nd chance? Even credit bureaus delete from credit reports. How are they able to have such an antiquated system? So does this mean this will be in my file forever. That is totally unbelievable and I don't believe them at all. Who are they to hold a person hostage for this long and such a small amount with no way out, no room to allow for a 2nd chance? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: GA
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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 disputed this alleged debt online, I mail formal dispute to both collection agency XX/XX/2023 who are reporting the alleged debt to my consumer report and I request document proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service; the name of the patient ; and the proof that there is some contractual obligation which is binding me to pay this debt. One of the letters I sent is still in transit and hasn't been deliver, which can only lead me to assumer XXXX XXXX is reporting a false address on my consumer report and is not allowing me to exercise my rights to dispute anything on my credit report that is inaccurate. I was never notified in writing in reference to this alleged debt. Which is a violation of 15 USC 1692g. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED XXXX XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-04-17
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: Personal information incorrect

Complaint:
wrong names on my credit report. 
Delete the names as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The social security number is not mine. 

There is lot of adreses are 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 non-monetary relief
Consumer complaint received 2017-05-02
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get the private mortgage insurance cancelled on my mortgage as we have met the requirements. My mortgage  carrier  ( LoanCare ) states on their website that a written request must be submitted, which was done through their website program specifically for this request. This was done on   XXXX   XXXX   XXXX    . I waited  XXXX  weeks with no response and followed up on   XXXX   XXXX   XXXX    . At that point, I was able to talk to someone in customer service and they stated they never received my request. They continued to submit it over the phone and get my case opened. I waited another  XXXX  days before following up again. When I called and spoke to them on  XXXX   XXXX , they told me it was in process and would be completed and I would receive a letter from them by  XXXX   XXXX  giving me the results. After I received no letter, I called back again on    XXXX   XXXX   , and they said it was still open and it was scheduled to be completed by    XXXX   XXXX   . I called on   XXXX   XXXX   to get an update, and they told me they still needed another 10 days because it was a 20 day process. I told them when I started the process, and asked to speak to a supervisor. They input that request into my case and I have yet to hear back from that supervisor, today is   XXXX   XXXX  . I have talked to several people over the past 2 days, they have all told me that they see the request for that manager to call me back and said they are required to call me back " that day ''. After several more calls this morning, and refusing to get off the phone accepting the reply of " my supervisor will call you back '' I talked to a supervisor of some sort and told them I wanted to file a formal complaint on their customer service. They ignored that request and told me that the supervisor I was supposed to be getting a call back from will get to me in the next  XXXX  hours. In the meantime, I have no choice but to pay for the PMI that I should be able to get cancelled, which is costing me $  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 explanation
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: CA
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:
i made a claim with Citibank according to some fraud charges, this charge was made same location as the one being appeal and previously opened a claim with you guys here a Finacial Protection Bureau, they did open an appeal to re investigate the case on that end, but for some reason one of the charges made to my account was now taken back again from Citibank stating they found no error this transaction was made the same as the other one stated on the previous claim, don't know why Citi banks returning these funds and making my account negative, the transaction was on the same date as the one previously claimed it was made on XXXX XXXX for amount XXXX XXXX it was previously giving to me as a temporary credit but now has been token away making my account negative, in the appeal this also should be added because all other charges made in that city of Las Vegas were all returned to me and were finalized but for some reason this one isn't, don't make sense there were all made same location, and Citibank is failing to do a proper investigation and return me my stolen monies. Please help in this case to hold bank accountable for these mistakes and ensure i get a proper conclusion to all this. 
Transaction Date : XXXX XXXX, 2022 Amount : {$120.00},

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 2022-12-05
Company: EQUIFAX, INC.
State: MO
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 am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: CA
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: CCS Financial Services, 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:
My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX XXXX on my credit report for fraudulent amount XXXX I have called XXXX XXXX with no resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Albert Corporation
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I did an instant cash transfer from XXXX to Albert. Albert immediately did a negative adjustment to the account causing it to go negative for the exact amount of the instant deposit, {$770.00}. The instant deposit came through 2 days later, but the negative adjustment is still on the account causing the balance to be {$0.00} rather than {$770.00}. - Have tried to get help from support multiple times and can not get helped at all. They have no phone number to contact. Currently tried to message XXXX friends of the owner to get a response from him to help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
As the court-appointed personal representative for my deceased mothers estate, I have attempted to close her Wells Fargo savings account and obtain the remaining funds to deposit into her estate account for distribution to her beneficiaries.

Time and time again, Wells Fargo has disregarded my communication and ignored their responsibility to close her account and send her funds to me. 

Most recently, I followed up on Wells Fargo case number XXXX. Although I had previously provided a copy of her death certificate to the branch office, on XX/XX/2023 Wells Fargo requested another copy, which I sent on that same day. Then nothing happened, except that I received her monthly statement indicating the account was STILL open at the end of XXXX, so I followed up on XX/XX/XXXX. Still nothing. 

I need Wells Fargo to close my mothers savings account and send a check to the address I 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 explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this is my 2nd attempt I am interested in disputing all incorrect information on my credit report with transunion. checking the information submitted I need all data removed asap.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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