BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NY
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:
While checking my most recent credit report I noticed unauthorized and fraudulent credit inquiries even after I advised you of identity theft and asked that my credit be frozen by phone call, online and letter. I did not authorize anyone nor give Written consent to anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX XXXX permission to furnish this information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified XXXX, Equifax and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 that I am not responsible for the listed account as I am a victim of identity theft. The furniture store in question forged my name on a contract which I did not authorize. I forwarded an identity theft police report number from my local police department, as well as my report/complaint number with the FTC. I also furnished XXXX, XXXX and Equifax with the Civil Index Number regarding the fraudulent account and charges and after numerous complaints written, phone and online you have continued to violate my consumer rights. 15 US Code 1108/c-2, that clearly states a consumer reporting agency shall block the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. You are in violation of this law because I am a victim of identity theft!! Please delete these Items immediately from my credit report and as the law advises block the reporting of the information I would hope that XXXX, Equifax and XXXX no longer violates my rights and removes and blocks the below account and its information as well as remove ALL inquiries associated with this identity theft. If this information is not removed and my credit report updated within the 4 business days the FCA law requires I will be forced to file a Civil Suit to protect my Federally protected rights. 

Personal Information to be deleted : Address : XXXX XXXX XXXX XXXX NY XXXX Account to be immediately cease and desist reporting, delete and block from reporting : XXXX XXXX Account XXXX Date Opened XX/XX/23 {$4400.00} XXXX XXXX Account XXXX {$1800.00} XX/XX/23 Inquiries to be removed immediately : XXXX, XXXX inquiry date XX/XX/23 XXXX  XXXX Inquiry date XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX Inquiry date XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23,XX/XX/23, XX/XX/23 XXXX Inquiry dateXX/XX/23Best Regards, Without Prejudice. All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2014 my bill for account COMENITY BANKXXXX ( opened XXXX XXXX, 2014 ) did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To let the credit bureaus know that the inquiries listed in my file are not authorized, I'm filing a complaint. Credit reporting agencies have to remove or prevent any inquiries that were not permitted in accordance with FCRA section 605b. Kindly refer to the documents that are attached to help prevent incorrect information from being put into my report. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I was involved in an accident where I had to be rushed to the hospital and soon after put under XXXX  to undergo XXXX. When I woke up I did not have my purse nor cell phone, which I found out later was stolen. I immediately contacted Huntington Bank to lock my card from my XXXX XXXX. 

The next day when I was released from the hospital I got a new phone at which time I logged into my mobile banking to find over 10 unauthorized transactions were made on my account using my debit card. I filed a police report for theft and fraud immediately after contacting the bank and disputing the charges. 

I recently found out that Huntington has denied my dispute even after providing documentation that I was XXXX during that time. I have tried reopening my dispute to be escalated within the bank with no success. 

During a recession I can not afford to just let {$4700.00} go to a scammer. I am a single mother to 5 young children and this loss will cause me to be evicted, car repoed, electricity disconnected and possibly lose custody to my children. 

Please assist me with regaining access to my funds On XXXX  I was contacted by XXXX from XXXX stating The company is refusing to honor my dispute due to stating biometric we're used to access my bank information when that is not the truth. The person who stole my phone had access to my phone code which they used to access my saved passwords and access the banking app to change my PIN code and then used my card. This is the information I was given from the police which the bank is refusing to honor. They are saying that just because I have face biometric set up on my phone that I am responsible for the thief being able to access my accounts. Which Is totally unacceptable. I have been through a tragedy and now they are causing more trauma to my life. I understand this is a large sum of money however It's my loss that I can not afford to take. They are also refusing to share this biometric history login with me at my request due to privacy reasons. But how when it's my privacy. I really need help with a resolution to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} 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 2017-04-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I submitted a dispute with Equifax on or around XX/XX/2017. Multiple items were deleted, however several items came back as verified. I contacted Equifax on XX/XX/2017 and asked how the items were verified. I was advised by a customer service rep ( XXXX ) as well as a supervisor ( XXXX : ID # XXXX ) that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me. I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The supervisor, XXXX, advised that I would receive a document via mail that explains their general verification process however she would/could not address the concerns regarding the verification of the accounts on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian 's FAQ on their site states that the customer can call in and request that a corrected credit report be resent to a recent creditor 's inquiry ; however, when I called in ( XXXX ) I was told this is not possible and that the inquirer would have to inquire again resulting in an additional hard inquiry and contrary to the website FAQ which I read to the agent and stated this contrasts with the information I am being told. 

Quote from : https : //www.experian.com/XXXX If you have applied for credit within the last six months ( the past 12 months for residents of Colorado, Maryland or New York ) , you can request that an updated copy of the report be sent to those creditors. You can also request that Experian send an updated copy to any employer who has requested your report within the last two years. 

In order to make your request, call the toll-free telephone number included with your personal credit report, or mail your request to the address listed on your personal report. Please be specific with regard to which creditors you are requesting updates be sent. Or, visit Experians Fraud Center for  more 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: PA
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:
The Credit Bureaus stated that my account was investigated but how can that be if the dates last active are incorrect, incorrect full name, high credit amounts are incorrect, incorrect account numbers, account status is incorrect, responses to where inquiries came from were left unanswered. How can an investigation be conducted properly and fair according to the law if the information still reporting is erroneous? These are all grounds for immediate removal from my credit reports as it violates my rights under 15 U.S.C. 1681 section 602 A. I was seriously affected and harmed because the Credit Bureaus continue to show this incorrect accounts reporting resulting in a bad credit score. The Credit Bureaus continued to give out incomplete and inaccurate information after I requested the accounts to be validated. The XXXX XXXX agencies are all negligent and willfully noncompliant with the laws exhibited for people like myself. XX/XX/2023 was the latest time that i have sent out disputes via XXXX and have not received an immediate delete for the accounts. I demand these negative accounts removed. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days and more than the grace period of up to XXXX additional days ( 45 days total ) to respond. The following accounts regarding my claim are as follows : # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: AR
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 credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX dollars was taking out my account

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 2023-11-01
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi I opened an account with XXXX ending in XXXX on XX/XX/XXXX and used the card the XXXX time for {$13.00}. I paid the bill and I guess it was too late but didnt know there was a late fee added. Due to this my account which I thought was at XXXX balance went back to {$13.00} and incurred XXXX more late fees in XXXX and XXXX and now has it at {$89.00} past due. I called on XX/XX/XXXX to pay the initial late fee I missed to bring the account current and have the other fees removed. They were unwilling to work with me, even though I legit havent used this card but once and that item was paid for in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
account has disputed and removed before. It has been illegally bought and re-reported.

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 2023-07-25
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2017-11-07
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
This account was closed by myself voluntarily. I no longer wanted to do to business with this company and closed the account voluntarily. My report shows that it was closed by the company and it is reporting negatively on my reports. This has became a big issue in obtaining credit. Please remove his account from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received an email on XX/XX/2023 at XXXX from XXXX informing my TransUnion credit file was unlocked. I called TransUnion at approximately XXXX asking how my credit file was unlocked without my permission. I was given a security code when I locked my credit file. I was informed by the representative that they no longer provide security codes. She could not determine why/how my account was unlocked. While she was freezing my account. I received another notification from XXXX informing me my credit was unlocked and a third notice that my account was frozen while on the phone with the representative from TransUnion who informed me she is based in the XXXX. She was professional but could not determine why my credit file was unlocked. She informed me I will receive a letter from TransUnion in approximately two weeks confirming the freeze. I signed onto TransUnion and confirmed the freeze was placed. I still need to have the account re-locked and confirmed by TransUnion. And I still want an explanation as to why the credit file was unlocked.

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