BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: AZ
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 contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information attached. 

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with Metro 2 credit reporting.

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 2023-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Excessive fees and overdrafts that werent accounted for after complaints still no resolution or refund

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 monetary relief
Consumer complaint received 2023-01-26
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:
These accounts are not mine and opened fraudulently {$1200.00} XXXX XXXX XXXX XXXX OpenedXXXX {$2500.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX {$4500.00} XXXX XXXX Opened : XX/XX/XXXX {$7400.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX {$1300.00} XXXX XXXX Opened XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: WA
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-01-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After a long week of work I was thinking yes I got my check. However, XXXX XXXX the check and it was said it was fraudulent. It was not under my control.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX. Please remove this account immediately.

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 2017-05-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have submitted proof of my student loan being cleared and paid in full multiple times. The credit bureaus Experian and  XXXX  continue to not accept the Department of Education/ XXXX  legal paperwork. Both Bureaus have several student loan accounts still open that should be close. I have secured the services of an attorney who will be moving forward once Experian and  XXXX  acknowledge receipt of complaint.

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 2022-03-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I created an account with Square ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and processed a credit card transaction in the amount of {$990.00} on XX/XX/XXXX. They then deactivated my account on the same day and sent me an email that they would transfer {$950.00} ( the amount in question less fees ) to my bank account on XX/XX/XXXX. As of this date, XX/XX/XXXX, they still have not transferred the funds to my account. Their phone and chat system will not connect me with a live customer service representative. I have emailed them but have received only a automated response that does not address why payment has not been sent despite passing the promised transfer date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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:
This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NM XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-06-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2020-03-23
Company: CITIBANK, N.A.
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:
I never had a mortgage with Citibank. They are reporting late payments with XXXX. I had pulled my credit and immediately notified Citibank and XXXX. Citibank agrees I have never had a mortgage with them. I disputed the error on the XXXX website. I was just notified that Citibank confirmed the information as accurate.

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 2018-10-27
Company: EdFinancial Services
State: MD
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:
I have been trying for over a year to pay the compounding interest on my federal student loans from Edfinancial. As I am a current student, I have no principal payments due, but I have been trying to make regular payments on my interest in order to prevent it from compounding to large sums by the time I have to make payments on the principal amount. I made several payments online to Edfinancial - in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - and only after the third payment realized that they were not being applied to my interest but rather to the principal amount. I called Edfinancial 's customer service and was told that they have a policy by which interest can not be paid within 120 days of any loan disbursement, meaning that my payments would only be applied to the interest after 120 days had passed following my most recent disbursement. The representative I spoke to told me there was no way around that rule. 
I, however, attend a university that follows a trimester schedule, meaning that we have three terms per academic year, each lasting ten weeks and with no more than six weeks of break between them. This means that there is no point during the academic year in which 120 days can pass between loan disbursements, as I receive a new disbursement at the beginning of each trimester. Thus the first and only time I was able to make any sort of interest payment on my loans was on XX/XX/XXXX, at which point my interest had risen to {$150.00} - precisely what I had been trying to avoid by making early and frequent payments. In the time since I made that payment, my interest has again risen to nearly {$40.00}, and I have no way of making a payment towards it. I again contacted Edfinancial in early XXXX of this year, this time via their customer service email line, expressing my continued frustration at their intentional hindrance of my ability to pay my interest and indicating again that there is no time between the 120-day period in which I could pay any interest. Their customer service failed to contact me back. 
I have also gone to my university 's financial office and spoken to them about this issue, who echoed my sentiment that it is a right of mine to be able to pay my interest and it is unjust of Edfinancial to preclude me from doing so. They, however, were unable to assist and instead encouraged me to pursue these means of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
im writing to you regarding discrepancies i have found on my credit report. 
XXXX  XXXX acct # XXXX XXXX, XXXX, experian is account as opened. Obviously a account thats been sent to collection should not be listed as an " open account. '' I do not recall having this account or being associated with this company ever i am asking this agency to provide the monthly payments, credit limit, terms, date of first delinquency and date closed as they are missing from the report. 

You were this letter is formal notice that you have failed to respond to my dispute letter in case you are unaware, in accordance with the FAIR COLLECTION PRATICES ACT 15 USC 1692g '' Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " delete '' this item immediatley

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 2022-04-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing these same items for months and no help. Please delete these inaccurate and unverifiable items from my report immediately

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 2018-10-27
Company: EQUIFAX, INC.
State: GA
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 called Equifax consumer services XXXX, XX/XX/XXXX to request a permanent security freeze lift since I was unable to do it online due to an error code ( NH ). The representative from Equifax stated they wound need additional documentation ( driver 's license and social security card ) to complete the process. I could fax XXXX or mail the documents. I faxed the documents XX/XX/2018. I called later that day and was informed it would take up to 48 hours to process. I called XX/XX/2018 and spoke to a representative and supervisor but the documents had not been uploaded. I called XX/XX/2018 and the documents were still unavailable. I was frustrated and puzzled that the security freeze I placed on my credit could not be lifted after answering the verification questions accurately and giving the PIN number. When I called XX/XX/2018, I spoke to a supervisor and she asked what fax number did I use. It was the fax number to the fraud department not the security freeze department. I believe that is a breach in itself for a representative from Equifax to give individuals the incorrect fax number. I faxed the documents again to XXXX. I had to pay {$5.00} and travel to public places to fax my personal information because I do not have a fax line at home and I work from home. This was an inconvenience. I called back XX/XX/2018 later in the evening and was told the documents had been received and uploaded and the freeze could be lifted after I correctly answered the security questions. I had to answer the security verification questions every time I called. After waiting on hold for 10 minutes the representative told me he was unable to lift the freeze but not to worry because he sent the request to another department that would be able to do it within the hour. I would receive notification in the mail in 5 business days. Has my credit freeze been lifted? I have no idea. Equifax is closed Saturday and Sunday so I can not call today. I am frustrated beyond belief that it would take 5 days to permanently lift a credit freeze and it may not still be lifted. I need to make a major purchase and need the freeze lifted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
The following credit inquiries on my Equifax credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts with your company have been reported to my credit report fraudulently .... I have been dealing with issues of identity theft where someone has been using other people addresses to open fraudulent accounts these accounts that I recently discovered are on my credit file and need to be removed asap from an XXXX  XXXX XXXX. I got their information the first of XX/XX/2018 and have been mailing them advising them of this issue and they have not responded or removed this fake accounts and they are out of compliance and continue to report information that they know not to be correct

Company response to consumer: Closed with explanation