BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I've made numerous attempts, exceeding a hundred calls, to address ATM and debit card claims with the bank. Despite my persistent efforts, they have yet to respond or provide evidence validating the transactions. Additionally, my account has been reported to XXXX. I urgently require assistance from the debit card claims department to resolve these issues promptly. My account balance, which should be {$2300.00}, currently stands at a negative {$1200.00}. I seek a prompt resolution and request a callback from the relevant department.

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 2023-08-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am submitting this complaint submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It all started last year with the equifax data breach. I have put every security measure possible on my finances and credit report, including services offered by equifax such as XXXX XXXX, as well as XXXX. Literally almost everything I own has been hacked due to this breach. I deal with disputes on my credit file DAILY. My email has been hacked, I've lost count of how many times I've changed my bank card and account. I've lost alot of money, time and mental health. The newest situation, the reason for this complaint, is that I went to go apply for something and the company told me my credit was locked. The only way your credit can be locked is by you doing it yourself. I know for a FACT I did not lock it recently ( last week I applied for a cc with no problem ). I called equifax to find out what was going on, and bottom line someone locked my credit report without my knowledge and they have no answers for me. Period. I'm so sick of this. It's ruining my life!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-18
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}

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 2023-12-22
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: Transaction was not authorized

Complaint:
on XX/XX/XXXX, I visited Wells Fargo to open a CD and new checking account, when I checked my Wells Fargo App, I noticed that on XXXX of the business account I have custody of for an organization ( XXXX XXXX XXXX XXXX XXXX ), has a balance that seemed low. When I checked the transactions, I found an unauthorized XXXX payment to XXXX XXXX was made Business to Business ( transaction date XX/XX/XXXX ). I reported to the bank the unauthorized transaction. On XX/XX/XXXX, the bank issued a letter that they can not reimburse the money back for the unauthorized transaction because per policy, the account holder only has XXXX hrs to report an authorized transaction. They are denying the reimbursement because the XXXX hrs have already laps since XX/XX/XXXX and referred me to XXXX XXXX to recoup the money. The bank failed to protect my money from an unauthorized transaction and refused to take any further action ( just an investigation ). I called XXXX XXXX and from their end, there is nothing to dispute because the bank allowed the transaction to happen through XXXX Business to Business payment. XXXX XXXX can only file a dispute if a XXXX credit card was used for the transaction and in this case, wells fargo allowed the payment to process. The money we entrusted to Wells Fargo ( {$4500.00} ) is now gone and Wells FArgo refuses to take any action to get the money back because XXXX hrs have already lapse.

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 2023-08-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
please delete the following Incorrect Addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Please delete the following Incorrect Names: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following incorrect phone number: XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: DISCOVER BANK
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 information incorrect

Complaint:
I have called a few days ago asking discover a week ago to report my payment for XXXX cause their was no data for XXXX reporting my payment and today on XX/XX/XXXX I get notified that my balance went up for XXXX when I have not been late on any payment and by my reporting date being the XXXX of every month the last payment I made had my balance at {$0.00} when they were supposed to be only correcting the month of XXXX they wrecked my credit score by reporting my balance this month which I did not request for them to do now I have a big balance on my credit file reporting that shouldnt be there cause my actual reporting day is not until XX/XX/XXXX I am requesting that they bring my balance back to where it initially was ( {$0.00} ) until my normal scheduled reporting date takes affect and actually correct XXXX like initially spoken about over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-08-18
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
XXXX XXXX XXXX  representatives have not communicated the proper information, contradicted there company statements and have caused actual damages to my person because of such actions. 

In efforts to resolve this situation, XXXX continues to verify illegitimate information after speaking with representatives via phone. 
XXXX is reporting a closed account with a remaining balance even after paying the amount due in full. Not only have I paid my account in full my security deposit was never put towards the balance even after there website and agreement states that it will. There website states " After you finish your XXXX XXXX  Account, ( which I have ) you will receive a payout of your remaining balance, minus the funds used to secure the deposit on your XXXX XXXX Credit Card and any outstanding fees or interest. '' The security deposit of {$100.00} should ensure that I have no remaining balance. 
Instead my account is being reported closed with a balance of {$110.00} even after paying an additional {$110.00} making a total of {$200.00} they have received from me. 
There website states " Any remaining funds not used to secure your deposit will be returned to you once you finish your XXXX XXXX Account. '' Meaning my security deposit was never put towards my remaining balance. 

Self representatives have done a horrible job in relaying the companies policy and resolving the issue which in turn has affected me drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXXXXXX XXXX XXXX   XXXX account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep  putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IN XXXX My name is XXXX XXXX XXXX My phone number is 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 2022-12-01
Company: Experian Information Solutions 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:
There are 3 incorrect and 100 % inaccurate collections from XXXX XXXX XXXX reported ; {$530.00}, {$530.00}, {$3000.00}, on my Experian Report that need to be removed. I am attaching FTC complaint documents against XXXX 
I have tried to handle this through the Experian site. I am currently talking to local attorneys and sending another certified letter to both XXXX  and XXXX 
I am hoping Experian will do the right thing providing this new information and complaint. If not I will include all the contacts I have made to Experian relating to XXXX to the attorney and let them make the decision on FCRA and/or other violations.. 
I am happy to provide any further information necessary.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: WV
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 had a credit card with XXXX XXXX that I paid off back in XXXX or XXXX. When I paid it off I told them to close it because I had only gotten it for tires, however they did not close it and someone gained access to it and maxed it out. I have disputed the transactions with XXXX, and was told that because whoever used the card new the cvv code ( they had the physical card because it was not in my possession so of course that had the cvv ) and they knew my zip code ( a simple XXXX  search of my name would have given them this, and my name is also on the card ) that the transactions were valid. Theyve now reported the account as a charge off and sent me to collections, so I disputed the account with experian and they stated that the creditor says the account is accurate but its not and Ive been trying to get this fixed for over 6 months.

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 2020-07-17
Company: SANTANDER BANCORP
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have enough funds on my account and the bank is charging for non sufficient funds. Inclusive the bank sent me a letter indicating that there will be a {$0.00} charge for the ( false ) non sufficient funds on the account. This is a theft from the bank Santander of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI , Inc. submitted a collection to all the credit reporting agencies for a debt that I did not owe on behalf of XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they confirmed that there is no record of my ever having an account with them. I then called AFNI , Inc. and was told that there was an account. I told them what XXXX XXXX XXXX XXXX told me. AFNI , Inc. said that they could only go by what XXXX XXXX XXXX provided. In the meantime, I have an erroneous report on my credit record. I also filed a complaint with XXXX. I believe my information was obtained during the XXXX breech. Also, there has been a lock placed on my credit record for the last five years and there was never any inquiries from XXXX XXXX XXXX XXXX. Therefore it can be said that the information sent by AFNI , Inc. to the credit bureaus was deliberate and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going back and forth with XXXX XXXX representing XXXX XXXX regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. 

She continues to intimidate me and threatened me with lawsuit. 

I want this matter resolved

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