BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Information belongs to someone else

Complaint:
I am sending this CFPB complaint to follow up my previously sent letter to the current evaluation of credit bureaus. I appreciated the credit bureau 's removal of fraudulent items from my file, but there are still remaining items that need to be deleted. I address the issue of identity theft and dispute certain items in my credit file that are a direct result of this crime. The purpose of my dispute is to request the removal of any information associated with these fraudulent activities, as they do not pertain to any transactions I have authorized or participated in involving the acquisition of goods, services, or money. I am unaware of the specific details regarding these disputed items. Furthermore, I have discovered that other credit bureaus have already removed the mentioned information, which raises doubts about its accuracy. Additionally, the reported payment history on some of these items is unclear and perplexing to me. According to the FCRA 605B ( c ) ( 1 ) ( C ), I am within my rights to request the decline or rescission of such information. Below are the remaining items that need to be DELETED : XXXX : XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/ EQUIFAX : XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX : {$1000.00} XXXX XXXX XXXX Balance XXXX {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$3300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a victim of identity theft earlier this year XX/XX/2022. Someone opened up other accounts in my name through Wells Fargo. They closed all of my accounts, and did an investigation. They found that it was NOT me and not my fault and told me I was okay to open up another account. Well Im XX/XX/2022 I opened up another account and they told me my only account option was clear access checking ( which is NOT what I had before and is a LOWER tier back account with a LESS benefits than my previous account. Since it was determined that I was a victim of identity theft then why am I not allowed to open up the type of account that I had previously!

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 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
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 tried to dispute with all 3 Credit Bureaus ( Experian, XXXX and XXXX ) to remove these unauthorized inquiries and was unsuccessful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had a identity breach in my business account with XXXX. And I'm finding more things reporting on my credit that are not my debt. For example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) For the amount of {$71000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) For the amount of {$5600.00}. 

XXXX XXXX  XXXX XXXX, GA XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX For the amount of {$4000.00} As well as hard inquiries from different companies like. 

XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Company: BlockFi Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Provider is refusing to let me withdraw from my accounts with them. 
Requests for transfer of funds to different organization have not been executed since XXXX and still show as pending. 
Tried calling provider multiple times, and file support tickets online, since the week of XXXX, but no reply and no support answering any calls. 
Provider is BlockFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: NY
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 has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. Equifaxs claims that their subscription to XXXX is an acceptable form of verification. I have sent certified/return receipt dispute letters to Equifax requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Equifax 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifaxs claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Equifax is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( XXXX ) that does not allow access to any personal identification information, removed from reporting on my credit files. Equifaxs practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.

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

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a XXXX XXXX XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding 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 2020-03-04
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was attending school in 2019 when they stated that my student loan was in default but it shouldnt have been due to the fact that i was enrolled full time in school and still is. I have provided numerous of documentation to them proving this as well as they made me enroll in a rehabilitation program because they was trying to garnish my work wages when Im in school. To knowledge from what the Department of Education has told me and personally lawyer that it is against the law for them to offset my tax refund or garnish my wages because Im in school.

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: 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:
Months 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 : NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-14
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:
Around XXXX of 2017 a XXXX XXXX XXXX XXXX  was open in my name. A balance of {$66.00} on the account charged off first payment never received I have contacted XXXX XXXX to no avail I'm asking for help Equifax have yet to remove this account I have went to the police station they do not give police report they sent me to the Federal trade commission website which sent me to this website this is my complaint against an inaccurate fraudulent account of My consumer report I'm asking that it be removed according to section XXXX, I'm asking that you guys show the original paperwork with my signature stating that I open this account with all of the accurate information this is a fraudulent account please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have repeatedly requested Discover Card quit using my e-mail address as a means of communications. I first issued a Cease & Desist request around XX/XX/XXXX to Discover Card via phone contact with a representative at their customer service number. I additionally contacted XXXX XXXX with Discover Card Executive Services at XXXX on XX/XX/XXXX and spoke with his assistant on a recorded line advising him they need to Cease & Desist using my e-mail as is my right under the Can-Spam Act. However, I continue to receive e-mails from Discover Card as of XX/XX/XXXX which is a direct violation of both federal law as well as internal Discover Card compliance procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I recently reviewed my TransUnion credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XX/XX/2022 ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 

TransUnion has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ).

I am writing to you to ensure TransUnion update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for TransUnions negligence to comply with duties imposed by the FCRA willful noncompliance. 

Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent.

Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information.

In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure. 

There is lawful a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-12-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I opened a XXXX mo CD with Citi that matured on XX/XX/XXXX. I started receiving marketing emails and snail mail telling me I had XXXX high rate savings options that I must decide on by XX/XX/XXXX. These materials all referenced my CD by number! 
I immediately tried contacting Citi to review my options. I called every customer support number I could find, but as soon as I select banking it wants my ATM number. I don't have one. Literally have called dozens of numbers dozens of times and had been unable to reach anyone who could help with my CD since I started trying on XX/XX/XXXX. No Bot offered an option to convert CD. Tried calling nearest branch ( XXXX miles away ) multiple times but auto attendant told me nobody was available and sent me right back to the main auto attendant! Dial XXXX doesn't work on any phone number. The bot won't give you a human. Dozens of transfers, few live agents that were extremely difficult to understand but none could help with this. Today alone I started trying every possible means to contact someone at XXXX west coast time. It is now XXXX XXXX and I finally found someone to CLOSE MY ACCOUNT! They told me that the grace period XXXX!! Again, I haven't been able to reach anybody to convert CD since XX/XX/XXXX. I needed to put some of the money into my checking account and the rest in savings. Because of the horrible customer service, I was forced to closed the CD and take a {$700.00} penalty all because there's NO CUSTOMER SERVICE HUMAN AGENT AVAILABLE! 
This is the worst example of a big corporation actively removing the option to speak to a person. Worst customer experience ever! Today is XX/XX/XXXX, it matured XX/XX/XXXX and that day, and the 20 days before, I could NOT reach anybody. 
If you don't live close to a branch, NEVER USE Citibank for accounts. It's impossible!

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