BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 accounts. 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.

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 2023-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I requested Equifax to remove inquiries from my credit report. On XX/XX/2023, they responded by saying the information is verified. I then sent another letter requesting for the information to be removed from my credit report. In response on XX/XX/2023 they once again stated that the information is verified. 

I did no authorize anyone employed by these companies to make any inquiry and view my credit report. 

Therefore, Equifax is in violation of violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter to you on XX/XX/2023. Its been more XXXXhan30 days since I contacted you, and still have not heard back from you. 

So, in accordance with the fair credit reporting act XXXX accounts that is listed in the letter, 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 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 2023-07-27
Company: EQUIFAX, 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:
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 accounts. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: ERC
State: IL
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:
Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. The amount owed on this account is something I should not be obligated to pay either. I was deliberately mislead by the representative who assisted me with opening up my XXXX account. He indicated to me that I was not under any contact but that he had to write an agreement for a set amount of months. He told me directly that there is no early termination fee and I am free to cancel if I am unhappy or just do not wish to continue service anymore. This did not turn out to be true. I cant help but feel a little cheated here because I specifically asked about this and I was mislead.

My family is dealing with a lot of problem lately, a XXXX XXXX, a mother that needs XXXX XXXX and a landlord that do not want to renew our lease. I want to purchase a new home for my family which can help them be in a comfortable state, the reason why I am currently trying to rebuild my credit, but this Agency is preventing me to do that for my family. We are in a very difficult situation and I'm trying to be strong for them.

To resolve the problem, I would appreciate if they can remove the negative reporting on my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i filed a dispute because XXXX XXXX  reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full

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 2022-06-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a forbearance program with Citizen Bank, which was supposed to end on XX/XX/2022. I requested a Loan Modification with them around XXXX time frame and was approved but there was a miscommunication or mistake in the payment starting date. The loan letter stated XX/XX/2022 as the repayment starting date but when I called up and ask them I was explicitly told to start XX/XX/2022. However, today ( XX/XX/2022 ) I received a call asking about the XXXX payment so I was confused and called them about it and spoke to their Loss & Mitigation and Collection departments on 4 separate occasions but nobody acknowledged the starting date as XX/XX/XXXX and insisted there is nothing they can do and wanted me to pay for the XXXX payment which I did not anticipate. I even asked to escalate the case to no avail. I was told if I don't pay for the XXXX month I will be charged a late fee and report to the credit bureau. This is absolutely outrageous as this was not the agreement. They have a recording of the conversation on the day I called up to accept the agreement which I brought up but was brushed aside. I felt I am hitting a brick wall and believed this to be a mistake on their end and now they are denying the responsibility! 

The date I called to accept the Loan Modification was XX/XX/2022 from XXXX XXXX  to XXXX XXXX. They have the recording as per their declaration. It should be retrieved for evidence of acceptance and payment start date prove. The number I called is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
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.

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 explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to dispute inaccuracies on my credit report from XXXX, Transunion and XXXX. There are several accounts that do not belong to me and I have contacted the bureaus by phone and mail regarding the accounts in question. The buraeaus have failed to provide the information requested to prove the accounts belong to me.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-05-26
Company: EQUIFAX, INC.
State: PA
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:
To XXXX Equifax XXXX : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as XXXX XXXX and XXXX ( XXXX ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.

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 2018-04-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi bank priority checking account on XX/XX/XXXX and funded with {$50000.00} in order meet a promotion to receive XXXX   bonus points. I opened the account at the XXXX XXXX XXXX branch with a banker. The promotion required that the account be funded with {$50000.00} have 2 consecutive direct deposits within 60 days of opening the account. My first direct deposit was completed on XX/XX/XXXX and I did not remove my direct deposit from this account since. If I completed the activities stated above I would receive XXXX  points.

I spoke to my banker that opened my account in XX/XX/XXXX to find out the status of my points since I have not yet received. He said that I should be receiving them soon. I then waited until XX/XX/XXXX to follow up with my banker and he did not respond. I emailed him again on XX/XX/XXXX. He then responded and said he would look into it. I received to response. I then emailed him again onXX/XX/XXXX and I did not receive a response. I decided to then call Citi customer service since my banker was not responsive. They said they would complete an investigation and get back to me ( reference # XXXX ). I then received a letter with investigation results on XX/XX/XXXX. The results said that I did not complete 2 consecutive direct deposits within 60 days. I checked my account and I in fact had 2 consecutive direct deposits within 60 days of opening the account on XX/XX/XXXX. The first being on XX/XX/XXXX and the next deposit was on XX/XX/XXXX. I then called to discuss these inaccurate findings. I was transferred to multiple parties and no one was able to help. I finally came across a customer service representative that was willing to help. He said agreed that I completed the required actions to receive the bonus points and he had to speak to his manager to have this corrected. He called me to update me on the status and let me know that the issue was not yet resolved and then stopped calling me. Of course, there was no way for me to contact him directly. This issue has still not been resolved and I am exhausted trying to work this out directly with Citi bank.

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 2023-11-14
Company: EQUIFAX, INC.
State: NC
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 am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX . NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
Equifax Credit Bureau has violated my rights under The Fair Credit Reporting Act ( FCRA ), which is the federal law that regulates credit reporting agencies and compels them to insure, that the information they gather and distribute is a fair and accurate summary of a consumers credit history, Equifax has failed in its duty. On XX/XX/2023, I filed a complaint # XXXX regarding debt collector XXXX XXXX XXXX XXXX and its fraudulent, identity theft account being reported to Equifax credit bureau XXXX Equifax has failed to adequately investigate, this inaccurate, fraudulent, identity theft account and have ignored the police report submitted to them showing proof that this is indeed a fraudulent, identity theft account. XXXX and XXXX have completed its investigations and have successfully proven this debtor collector to be a fraudulent account and have removed said account from its credit bureau XXXX XXXX. However, Equifax is for whatever reason still reporting and refusing to remove this inaccurate, fraudulent, identity theft account from its credit report system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from NELNET. 
Called several times on XX/XX/XXXX, was on hold for over an hour. No live person answered. 

I have attached the Copy B receipt and screenshot of my profile on the NELNET website. In viewing my profile, it reflects a different amount from previous attempts to collect.

Company response to consumer: Closed with explanation