BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be corrected or deleted immediately : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX

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 2019-12-28
Company: MOHELA
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:
Mohela is putting duplicate information on my credit report and lowering my credit score dramatically. 

I have 3 student loans with them and they put my information on XXXX and XXXX   double. They put the original loan and the in house collection company reporting the same dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Thursday XX/XX/23 my phone was stolen. The person that stole my phone got into my XXXX and sent themselves {$5000.00} on friends and family in the form on a E-Check. Once I tracked down my phone using the XXXX feature 'Find My Iphone ' I immediately looked at all of my financial apps and saw that this person got into my XXXX and sent {$5000.00} to someone. I contacted XXXX but since this transaction happened through the friends and family way of sending there is no protection given through XXXX and they directed me to talk to my bank. Once talking to my bank ( Chase JP Morgan ) I informed them of the situation and I told the customer service representative to stop the check from going through. They did not do that and the next day the check went through. I then had to put in a claim to Chase and I believe they did close to nothing on investigating the situation. I was never emailed, called or texted that the claim was even opened or closed so I had to consistently call them to get an update. Yesterday I called them and they told me that the claim was now closed and they could do nothing about it. Meanwhile when I spoke to multiple customer support representative they informed me that I would get my {$5000.00} back. I am very frustrated about this situation, I can't afford to lose {$5000.00} to a thief who stole my phone and sent themselves all of this money. {$5000.00} is no little amount of money and it is truly upsetting that Chase lied to me saying that they would stop the check and put in no effort to get that money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: EdFinancial Services
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Between XX/XX/XXXX and the present date, I have attempted to pay back my federal student loans 7 times to Edfinancial using their website, contact with a representative, and payment over the phone. And nearly every occasion my account appears to be processing the payment only to put it back into my account and email me that I still owe them money. I have attempted to contact edfinancial multiple times over the last three months. I have sent three emails which have gone unanswered. I have attempted to contact via online agent services which do not work and I have always been messaged that no agent is available to help me even during their regular XXXX working hours. On only one occasion was I able to contact an agent through the phone. This agent was confused about why this was happening, could give no explanation and attempted to say the problem was due to my bank. I contacted my bank ( XXXX ) and the bank says that unconnected to Edfinancial, there are no problems with my account, and they are not responsible for the problem. 
I have enough money in my savings account to pay my loan back and have made many attempts to do so in good faith. I am submitting this complaint today for two reasons. First, all attempts to pay my loans back has been rejected for no reason that Edfinancial can explain. Second, I have spent many hours emailing, waiting on the phone line, and attempting to pay online, but Edfinancial has made it almost impossible to contact them directly, or allow me to communicate this information.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: IL
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I requested my FICO  score for the first time this year in 2022 from all three credit bureaus. With using XXXX, none of my FICO scores were available to be reviewed by myself. I contacted XXXX  that none of my FICO scores were displayed and was directed to contact each of the bureaus. I contacted Experian on XX/XX/2022 that my score were not available, with proceeding to view the scores on Experian the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. Today XX/XX/2022 there are still no FICO scores available to me. 

Under law " 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ''

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 2023-08-15
Company: EQUIFAX, INC.
State: GA
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:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, My vehicle was illegally repossessed from my private residence. The Tow company that entered my property illegally with their truck damaged my fence and broke the lock off the gate where my XXXX XXXXXXXX XXXX XXXX was parked. The tow truck driver offered no information in regards to where my vehicle was going. I asked the driver for credentials and his company information and he verbally attacked me with profanity. On XX/XX/XXXX I called the lending company ALLY BANK. And they informed me that they did not send anyone to reposees my vehicle and that there records showed that I am still in possession of vehicle and that they are in the process of repossession and that there records show I still was in possession of my car. I explained to them that a tow truck picked up my vehicle from my residence and said they were sent by Ally. I am incredibly confused by this whole situation. I kept trying to call Ally from XXXX XXXX XX/XX/XXXX and was offered no information. Then on XX/XX/XXXX I received a notice of lien and sale from XXXX and the information was EMPHATICALLY FALSE AND UNTRUE. I'VE TRIED CONTACTING THE THE TOW COMPANY LISTED AND HAVE GOTTEN NO ANSWER TO MY CALLS. I FEEL LIKE I AM RHE VICTIM OF A SCAM AND I DONT KNOW WHERE TO TURN. IN ADDITION TO THIS ILLEGAL REPOSSESSION MY PERSONAL PROPERTY THAT WAS IN MY VEHICLE AT THE TIME IS NOWHERE TO BE FOUND AND THEY WERE IMPORTANT AND SENSITIVE ELECTRONICS WITH ALL MY PERSONAL INFORMATION ON THEM.

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 2023-08-15
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: VA
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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
Consumer complaint received 2019-12-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied to refinance my current mortgage with Wells Fargo as I have been a loyal customer for 20 years. While I applied they demanded that I pay them an upfront fee for over {$500.00}. I'm was confused as my sister in law recently applied and she didn't have to pay any upfront fees yet she lives in a nicer area of XXXX XXXX ( zip code XXXX ). Yet I live closer to down town in more rougher area which I feel is unfair ( zip code XXXX ). Also, if I pay the upfront fee I will not be able to pay my mortgage payment as the upfront fee they requested exceeds my monthly mortgage payment. So they forcing me to choose between keeping my mortgage current or paying them to refinance my mortgage. Regardless they are not be fair to me because of were I live and intentionally trying to push me into a past due situation.

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 2019-12-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have request that the fraud alert be removed from my credit file multiple times. I have called and sent letters yet Equifax refused to remove the alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: Account information incorrect

Complaint:
I have accounts and inquiries that don't belong to me, and they need to be removed because they are causing me to get denied by multiple credit companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: ND
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:
Credit was pulled without my permission on XXXX XXXXXX/XX/2023XXXX XXXXloan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. XXXX XXXX Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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:
The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/23, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXXXXXX XXXX XXXX  I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXXXXXX XXXX XXXX  inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible from my transunion report. But if XXXXXXXX XXXX XXXX  is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.

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 2023-08-15
Company: EQUIFAX, INC.
State: FL
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. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PRA has contacted me about a debt under my name of {$360.00}. The originator of this debt was sourced from XXXX XXXX XXXX  XXXX. In retrospect, I contacted XXXX XXXX XXXX  about fraudulent accounts on my credit report. XXXX  XXXX XXXX  XXXX confirmed these fraudulent accounts were listed under different names and different addresses. In XX/XX/2020, XXXX XXXX XXXX  XXXX confirmed this account of {$360.00} was fraudulent and removed it from my account with assistance from XXXX. You may contact them to confirm such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I have submitted a complaint with the three credit bureau well over 30 days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...

Company response to consumer: Closed with explanation