BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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 sent letters to all credit bureaus and creditors in may in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is XXXX XXXX XXXX and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Advantage Credit, 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 received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CFPB, I have been the victim of Identity Theft, someone opened a payday loan account with Check N Go with my information. I have escalated this to FTD and the DOJ. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the financial institution must immediately place a dispute code on its subscribing credit bureau reports Please also confirm : Ownership of account Outstanding balance reported Disclosures Contract And any other necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: MI
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 a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX Hospital opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
We sold our home earlier this year and was waiting for a large refund check from the home owners insurance company. We fought for 3 months to receive the check ( wrong name used, wrong address used ). We finally received the corrected check on XX/XX/XXXX ( attached check stub ). We went to the bank, Huntington, to deposit the check. My husband endorsed the check and the teller wrote his drivers license number on the check ( deposit slip attached ) There was a hold on the check due to the amount. On XX/XX/XXXX I received an email stating the release was lifted from the check ( copy of email attached ). I tried to log into online banking to confirm before setting up the bill payments. I was locked out of the account. I called Huntington and was referred to speak to the hold department because my account had been closed due to fraudulent activity. I called the number given and was told a check will be issued to what funds I had in the account. And my account was closed due to depositing a fraud check. They said I had to wait for the check and letter in the mail. They would not tell me anything else. They would not tell me who I could speak to about the issue. I called XX/XX/XXXX. I called the Home owners Insurance company ( XXXX ) who issued the check. I was told I needed to speak to a XXXX or team lead to be able to get any details. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX was finally able to speak to a team lead on XX/XX/XXXX. She confirmed the check that we received. She confirmed the funds cleared their bank oXXXX XXXX XXXX ( the same day we deposited the check ). She confirmed the name and drivers license numbers written on the cancelled check. She asked me to try to call Huntington again to see when they would release the funds back to them. I called. The young lady I spoke with was very nice but unable to answer many questions due to the fact that my account was forcibly closed. There is no known date of when the funds will be returned to XXXX. There is no known date of when the letter and check will be mailed to me. It may take up to 90 days. And due to the forcible closing of the account, I can never have a Huntington account with them again. ( which brought up another issue of them blocking me with other banks or even affecting my credit score ). She was unable to give a letter or explanation. I called XXXX back and updated her on what I was told. She was working with accounting to determine if the funds were ever sent back to XXXX. I asked her to send me a copy of the check so I could forward to you ( attached ). We are buying a new home and so I called my banker to inform him of this mess. He referred me to CFPB. I still have not received a call, email or letter from Huntington concerning this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-31
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Loan opened without my consent or knowledge

Complaint:
On XX/XX/2023, a hard inquiry was placed on my credit report by Sallie Mae Bank. I did not give written consent nor authorize this company to use my information to review my credit status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. Transunion is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. XXXX is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to report my other credit card accounts.

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 2023-08-31
Company: Comerica
State: IN
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:
In XXXX I called direct express concerning charges that I wasnt familiar with. They credited my account my account XXXX a some dollars. Then took it back out. Then on XX/XX/XXXX they took {$470.00} out for both XXXX and for an account Id never heard of and never agreed to. And so they paid them twice and wont even listen to me.so Im outthatmoney twice. And I cant afford this on what I get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
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 contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank you

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 2023-11-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Account information incorrect

Complaint:
I have numerous inaccuracies on my credit report starting with previous addresses that are wrong and not mine. Previous employers that are not mine and 3 accounts that are labled charge off which is in correct and an account that was never late and an account with the date of activity which is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX Closed arbitrarily 2 different credit card accounts, I have had my account open for 7 years, never miss a payment ( i pay my balance every month ), I have a XXXX credit and use around 10k in purchases a month. 
I got a letter that my account is going to be close in 30 days, I called to get a reason and could not give me a reason, I ask if it was my credit score ( my score is 700+ ) and they say it was not my credit score but they will not give the reason because is confidential, I ask to giver me a reason im afraid that maybe im a victim of identity theft. 
They will not giver me any reason, Im afraid they is discrimination because Im a XXXX I don't see any other reason never had any bank issue. 
Im looking at a Reason that they should give me if they decided to close my accounts. 
One account is personal and then other is a business account, they canceled mine but not my business partner that is not 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 2023-03-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wayfair and CitiBank NA has filed false claims to XXXX on XX/XX/2023 stating my credit card was opened up due to identity theft and fraud. Citibank Security Fraud employees sent documents via US Mail to XXXX to collaborate their lies. XXXX opened an investigation against me # XXXX. This is Wayfair and CitiBank ongoing discriminatory and harassment against me because I was shopping at WayFair while being a XXXX woman. To this date my credit card accounts balance is incorrect. To this date I have false accusations against me by their XXXX employees ongoing discrimination against me because of my Race. Their employees has lied repeatedly, generated false account notes, open misleading fraud allegations against me all because I was shopping while XXXX. Today, CitiBank employee by the name of XXXX threatened me and demanded I supply him with my other credit cards that are managed by CitiBank. I only provided my Home Depot credit card information. 

I filed a lawsuit dispute against Wayfair for merchandise that I purchased that the company refused to provide. Wayfair provided the credits back to my credit card and I thought the matter was over with. Because the merchandise that was sent to my home was 2 beds that I never ordered was returned. I made a conference call with XXXX from Wayfair and XXXX from Citibank and on the call Wayfair Rep XXXX read all the credits she processed back to my credit card! I thought the matter was over. Unbeknown to me Employee from Citibank reported to XXXX that my credit card is a fraudulent card application and they closed my account! Citibank Security Fraud department then on XX/XX/XXXX call the Police and gave false information to the police stating, Her credit card is in collections and she made a threat! The Police responded to their false accusations and came to my home at approximately XXXX. The caller who made the call gave the Police the name as XXXX XXXX and a phone number that begins with XXXX area code. 
XXXX confirmed that a fraud investigation is currently opened against me. 

To date CitiBank and Wayfair discriminated against me because I shopped with Wayfair while being a XXXX woman. Their lies, false accusations is causing me tremendous stress and anxiety that due to their lies that the Police will come to my home and kill me just like what happened to XXXX XXXX and XXXX XXXX XXXX when Police killed them based on false information and calls from people telling lies! I need help! Citibank has lied repeatedly Wayfair has lied repeatedly! I want to be compensated for this ongoing harassment and discrimination because I am a XXXX woman!

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 2019-02-15
Company: Ceannate
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have  made and XXXX XXXX XXXX./Department of Education has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX./Department of Education has neglected to  provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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