BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: SC
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had numerous fraud on my debit cards and finally spoke with a manager me and the manager together set up a new checking account personally she sent me the email I press the link and we went through it together then we transferred my funds from my old account that was being fraudulent to my new account all of a sudden Monday morning I wake up in my account is closed from my checkings the new one and my savings account while I have my money in there I call no one knows what's going on then finally I get to somebody and they tell me that my account has been closed I asked them why and they said they do not have to give me a reason it's part of their policy they can close an account at any time then they told me I could pick up any money that was in my account left over as long as I had a debit card or my ID I went to the bank show them ID was getting ready to receive my funds then they told me someone made a note saying can only deposit not receive no one can help me fix this and I've been a customer since XXXX  with Bank of America I have no reason and there is no reason for my accounts to be shut down for I have followed all procedures I just feel that they do not want to pay out what day would owe me when they find out they're investigation that I filed on my claims are to be true so they close my account but that's my assumption but it's not fair to not let me pull my money out I need this money urgent

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 2023-05-03
Company: Torriere Holdings INC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On Monday XX/XX/XXXX, I received a letter in the mail from Spire Recovery Soulutions stating that I owe money on a loan in the amount of {$2500.00} from Simple Fast Loans as of XX/XX/XXXX. I have never applied for any loan with Simple Fast Loans and this is fraudulent notice demanding to get my information. I am hereby informing the CFPB about this company and I want this information to be looked into. I also need for the company to stop sending notices to me regarding payment on a loan that I never requested. I expect for this to be resolved by no later than XX/XX/XXXX. I will also be reporting this scam to the FBI XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: OH
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:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NC
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 XXXXXXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX XXXX  XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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 2021-12-15
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021 I received an email from Navient regarding a letter in my inbox with Navient. I reviewed the letter, and it was addressed to both me ( on the top line of the address ) and my son ( 2nd line of the address ). The letter addresses only me and by my name only, and informs me of options for making loan payments. It does not include my son 's name. 

Towards the bottom of the letter it details options for loan forgiveness and discharge. It also details if you are totally disabled to please call them. I wondered why they needed to know I was XXXX, so I called them. I called customer service XX/XX/2021 at XXXX XXXX CST and read the letter addressed to me and she told me this is a generic letter, and that I should " ignore '' this section. She informed me that this only applies to the borrower. I told her that the letter did not mention my son in the body of the letter, but simply only my name. I then told her that I felt like this was misleading. 

We have 5 loans, but will indicate only 1 loan with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHLDSUPPORT  XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX  XXXX {$770.00} CHLD SUPPORT XXXX {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-15
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2020-04-25
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
30+ days ago I called synchrony bank /paypal fraud department at XXXX to inform them a hard inquiry listed on my XXXX credit report do not belongs to me or was made fraudalent. The agent told me they will notify XXXX to delete this hard inquiry.Today I call this bank again to check why this hard inquiry is still listed on my credit report, another agent tell me the same story once again, that they will notify XXXX to get this inquiry delete. I ASK FOR CONFIRMATION NUMBER OR A LETTER AND SHE DENY MY PETITION.

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 2023-05-03
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX Balance {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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:
I am submitting you this CFPB complaint to you today to attempt to request the removal of the fraudulent accounts and information I found on my Credit Report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX AV XXXX XXXX, DE XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these 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 2023-11-15
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XXXX XXXX I received a text from someone that had a property to show me. I had entered my phone number on all these rental websites that I really do not know how he git my number. I went to the property he told me. Has to be verified through XXXX to get the access code to enter the property which I Did. Looked at the property he was on the phone with me. We agreed and sent him {$1000.00} for deposit and {$1100.00} for the rent so I can live there. Later on, he sent me the contract. It was misspelled, unprofessional and had a whole different address. I no longer wanted that property because well thats when I realized I had been scammed. He didnt answer my calls, told me he got pulled over. Disputed with my bank, told the officers, but closed case. Because They say its my fault and how do they know Im telling the truth. I got the deeds to the house from my local court house and his name is nowhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: LA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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, my rights have been violated. 

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 an 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 ate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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 homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXXXXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$250.00} ), XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Highest Balance {$370.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief