BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I then contacted the authorities and made an identity theft report. After that, I sent a letter with my identity theft report and 3 forms of identification to EQUIFAX on XX/XX/2021, explaining that there were fraudulent accounts and unauthorized inquiries on my credit report and I requested that it be removed by law. I still havent gotten a response from XXXX and it has been over 30 days. 

Below I have attached the identity theft report and 3 forms of identification and the letter i sent over 30 days ago to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, 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 2023-06-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I received this message from this bank that I didn't even apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I getting charged hidden fees. They are not shown on my statements or online

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 2023-08-06
Company: EQUIFAX, INC.
State: AL
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 a victim of having my information released to the public via the Equifax Data Breach as well as the XXXX Data Breach. As a result to this, I have a number of unauthorized accounts and inquiries listed on my credit reports that I did not consent to. They do not belong to me and I don't have any contracts with any of the companies listed. this is really hurting my chances at getting a mortgage. My reputation with the banking system is not in good standing right now because of accounts on my account that weren't authorized that need to be removed immediately. I already tried sending in my disputes more than 30 days ago, but my disputes were ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: EQUIFAX, INC.
State: NY
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:
False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX :  XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Ready Capital Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan was in forebearance until XX/XX/2021. After that I tried to get it reassessed to get a lower and more manageable monthly payment. I have had this house for 15 years. I am now a single woman and down to one income. They denied my application and said the only way to keep the house now is the pay all of the forbearance back now and resume full payments. {$13000.00} plus was the amount she told me.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: PA
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my Law enforcement report from the Federal Trade Commission. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: OH
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:
Hello good day, XXXX XXXX has made XXXX INQUIRED on my Credit report for over Two years now and I'm just finding out to have my credit repaired and this is just one of the reasons my score will not go up??? 
XXXX, XXXX {$1000.00} for every unauthorized Inquired on my report without my PERMITTION. 
due to XXXX  XXXX  Negligence making a XXXX INQUIRED on my report has made my credit scores remain in the 400 'S FOR YEARS NOW.

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 2022-10-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2023-06-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For more than a year and three months, I have attempted to make contact with the ALLY company in an effort to satisfy my debt ( auto loan ) but only after negotiating a lower, more fair final price for my situation. I have made contact and so has my lawyer as well as close family members. We are sent back and forth between different departments or call centers and none of them are ever able to directly answer my questions or help me with this negotiation. I have had the same/ similar disputes with other companies and each time we are able to achieve a resolution and come to a reasonable agreement. I am aware also that class action lawsuits against this company are common due to their predatory lending techniques and unfair treatment of borrowers. 
I don't wish to pursue litigation against this company at this time. I solely prefer to resolve the situation so that we can mutually benefit from the negotiation. They receive payment of the debt and I have a written receipt of payment and derogatory information removed from my credit report. I understand a company having perhaps a staffing problem and maybe their negotiation department has been understaffed and that could explain the problem. I know however that a business is responsible for their employees as well as its " treatment of customers. I feel that I have received unfair treatment from Ally. I have wasted valuable time as well as energy and have suffered XXXX and XXXX related to the handling of my debt with this company. I have struggled to be present and mindful in both my personal and professional life. Since XX/XX/2022, I have made contact with ALLY either weekly or monthly. In XXXX XXXX XXXX I was finally sent a bill of sale for the vehicle which was repossessed and sold at auction. I have since attempted to negotiate a settlement with the company through the company 's online customer portal and by phone. All my attempts to reach someone who is willing to negotiate have been unsuccessful. The worst situations, multiple days in which I had been placed on hold by their redemption center, In house collections and ally account servicing for the entire day from XXXX XXXX cst to XXXX cst. I have also been sent straight to voicemails/answering machine to which I leave my information only to never have my call return. I feel out of options so that is why I am writing to consumer finance in hopes that something can be achieved or accomplished with reaching the ALLY company to resolve my account issue. 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 2021-12-07
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/2XXXX XXXX XXXXDate of inquiry XX/XX/2021

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 2023-02-24
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have a Citibank Doublecash credit card, which I misplaced. 

I phoned Citibank XXXX and the automated message asked me for my credit card number, which of course I don't have because I lost it. 

So the message said that I could access the system another way, by putting in my social security number, which I did. It then asked me for the last four digits of my credit card! 

XXXX am I supposed to put in my credit card number when I lost it? 

So I found another phone number for Citibank, XXXX, and managed to speak with a representative. But the connection was muffled and we had difficulty hearing each other. She asked me for my SS # which I gave her. Then I asked her to repeat the number to make sure she had heard it correctly- which she refused to do! So I hung up, because if she has the wrong SS # she is useless.

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 2023-03-29
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:
I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED EQUIFAX, XXXX, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE STUDENT LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Complete Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is not a duplicate. I am filing this because Equifax refused to respond to my complaint. 

Instead, they claimed in their response that I had said that there was inaccurate information on my credit account. I DID NOT SAY THAT. 

I am asking Equifax to respond to my complaint about lifting the credit freeze. 

Attention CFPB : Please be sure that EQuifax responds to my complaint about the credit freeze. This is not a problem with inaccurate items on my account. 

I put a credit freeze and fraud alert on my account with Equifax a couple years ago. When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-12-12
Company: Experian Information Solutions 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:
Back in late XXXX I received an email from XXXX saying that the application for my new XXXX XXXX XXXX credit card was being processed, as soon as I saw that I called XXXX  XXXX XXXX and told them that the account created was not mine, and that I wasn't the one that opened it. They proceeded to tell me that they didn't have any account open with the info that I provided them- that being my name, the address they used, and an ( XXXX ) number. When I didn't get any answers from them I called Experian and they opened an investigation as well as a freeze on my credit report. On XXXX XX/XX/XXXX I received an email from XXXX saying that a new account was posted on my credit report so I called Experian again and they said that no dispute had been claimed before ; so I opened a new one and made sure it was filed this time alongside the freeze. Today XX/XX/XXXX I received an email saying that they had closed their investigation and that they concluded after talking to XXXX XXXX XXXX that the account that was opened is mine and they can not take it off from my credit report or close it. I called again this morning and re-opened my claim, this time I will have this identity theft report to help me since I didn't have it last time.

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 2023-08-07
Company: EQUIFAX, INC.
State: NY
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 second 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief