BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Barclays of Delaware mailed me a credit card rejection letter. I hadn't applied for any credit card products. There is no phone number listed on the letter received. I searched for an XXXX number to inquire about the denial and the representative gave me a XXXX number to call. Unfortunately I don't have international options with my current phone plan. 

I asked if there was a fraud department I could speak with, the representative was not helpful at all. This company does not take fraud seriously and doesn't verify applicant information prior to running an application.

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 2021-03-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
OnXX/XX/2021 i sent a dispute letter To FEDLOAN to verify the late payments on my credit report. Till this day, its been over 30 days and you failed to respond. Those late payments are unverified, please remove the late payments and update to pay as agreed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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:
Upon reviewing an updated copy of my Credit Report, I am appalled to see my Credit File with no Changes at all despite all the letters I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Personal Information. I have read that the Credit Bureaus are required to remove any account and information resulting from the Identity theft. But I see here that despite all my efforts to inform the Credit Bureaus of my status, the Credit Bureaus took no action at all neither responded to my letters. I am now submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and remove the disputed items completely from my Credit Report. I need the following items removed from my Credit File now : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2023-07-12
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i have XXXX account and department of education closed student loan accounts on my credit report prifile and i need them removed because they are causing me financial hardship and lively hood damage to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a letters in the mail from the banks RBFCU and XXXX XXXX. I received both of them XX/XX/XXXX. RBFCU is a bank that I have never used and it was telling me that I opened an account under my name and even sent me a card. And when I tried to go and close it because I needed a police report. And when I got the report from the police they just told me that they will send it to the fraud but I have yet to hear from them. On the other hand, XXXX XXXX also sent me a letter as well but that letter said that someone tried opening an account but were unsuccessful due to not enough information. And I believe the reason for all of this is because they broke in to our neighborhood mailboxes and stole mine and other peoples mails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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 sent a letter addressed to Experian and XXXX Credit Bureaus on XX/XX/XXXX requesting that they verify the validity of these inquiries and remove them from my file if the Credit Bureaus can not verify these inquiries. Upon Checking my updated Credit Report, It is clear that the Experian and XXXX Credit Bureaus did not comply with the requests. I thought that this matter was already taken care of due to multiple letters I have been sending to the Credit Bureaus, but I was proven wrong when I received my Credit Report for this month. Again, I was a victim of identity theft and these inquiries are the result of such crime. I am submitting this complaint to request the Experian and XXXX Credit Bureaus to remove the disputed inquiries from my Credit file : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-03-24
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:
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX : {$20000.00}.

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 2022-09-12
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: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/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 2023-01-02
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  ( Original Creditor : XXXX ) XXXXBalance {$1200.00} XXXX  XXXX XXXX  XXXXBalance {$6500.00} XXXX  XXXX XXXX  XXXXBalance {$540.00} XXXXBalance {$0.00} XXXX XXXXBalance {$540.00} XXXX  XXXXBalance {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On the date XX/XX/2023 someone applied for a XXXX XXXX XXXX. I called the company they said someone did apply with my name and Social Security but the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXsomeone applied for a credit card. No action by me or the company XXXXXXXX XXXX XX/XX/2023 someone applied for a credit card No action by me or company.

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 2022-12-16
Company: GLOBAL PAYMENTS DIRECT INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Maybe the CFPB has some authority here. The credit card processor for my small business has adopted XXXX  noncompliance fee policies and procedures that are causing harm to the small business community. Hopefully I can upload the full explanation, but in short, my card processor, Global Payments Inc., charged my small business {$16000.00} in punitive non compliance fees. These fees amounted to over 5 % of card receipts at one location, and .8 % of card receipt across 8 locations. The fees have no relationship to any meaningful measure of risk, like card receipts, customer volume, my companies polices and procedures, it's legal structure, or whether my company even retains customer cardholder information. To put the size of the fees into perspective, the XXXX XXXX XXXX permitted processors to charge a fee of XXXX of transaction volume for debit card processing, inclusive of XXXX XXXX 's for fraud loss, and .01 % per transaction for fraud prevention costs. Global Payments PCI non compliance fees alone are four times than the total fee for processing a debit card payment. The fees are XXXX times higher than the risk related fees allowed by the XXXX XXXX XXXX for debit card processing. 
Global Payments charges duplicative fees, one for being non compliant, and one for not completing the compliance process. Moreover, consider this example, XXXX 's fee structure is such that my small business, with it's annual {$1.00} XXXX in credit card receipts, pays penalty fees that are 8 times higher than a company with {$400.00} XXXX in annual credit card receipts but a single merchant number. 
XXXX gave little warning of it's fee policy, listing it in small print in it's XX/XX/XXXX statements. It initiated charges in XXXX of XXXX. It's first outreach to me, by email, was in XXXX, 18 months after it started charging. 
XXXX says it has hundreds of thousands of small business customers. If they had XXXX small business customers, and charged them the same way they charged my company, XXXX would generate {$130.00} XXXX in revenue a month, or {$1.00} XXXX a year. These fees are a tremendous disincentive to XXXX to support it's small business customers to help them become PCI compliant. The timing of their first outreach to me is further evidence of this conflict.

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 2023-02-08
Company: EQUIFAX, INC.
State: RI
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: Other problem getting your report or credit score

Complaint:
To whom it may concern, I am deeply frustrated and concerned that I will not be able to buy a house because of Equifax. I have tried applying for a mortgage through two companies and both have had to close my application due to the lenders ' inability to pull my credit report through Equifax.

I was preapproved by both lenders and my information was received easily from XXXX XXXX and XXXX. However, neither lender has been able to access my credit report through Equifax. They received several error messages from Equifax stating " insufficient information '' or issues related to my address. I have called Equifax four times ( XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX. I verified all of my information with Equifax and still neither lender has been able to pull my report. I even requested a copy of my credit report to further check and all of the information is accurate and the same as what was provided to the lenders. Each agent at Equifax expressed that there is no reason my report would not be able to be pulled ; they denied any freezes, fraud, or concerns on their end. 

I submitted one complaint through this CFPB portal on XX/XX/XXXX and Equifax did nothing and closed the complaint. I called Equifax three more times since filing the complaint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to agents in the consumer complaint department and all three brought in supervisors to try to fix this problem. Nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2000 Balance : {$91000.00}

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 non-monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax denial to dispute the multiple unauthorized hard inquiries, which I believe violates my privacy by the unauthorized release of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-09-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I have had a mortgage with Wells Fargo for years. During Covid, I was contacted about pausing mortgage payments due to the economic conditions during the pandemic. I asked if it would in any way add to my payments and I was told emphatically, " no ''. I asked numerous ways to make sure I had a clear understanding. I was told that basically my payments would stop and then after the government/banks figured out what was going on in the economy my payments would start again. As an example, if my mortgage balance was XXXX when I paused payments, it would remain XXXX when I started again. I called no less than 5 times during Covid to reiterate that what I believed was correct. I was told various degrees of " well, we will have to wait to see but it will not increase your payment at all. '' When I did resume payments, I was told that the $ XXXX in payments I had not made yet were now at the end of my loan but " not to worry as Wells wasn't charging any interest on that. '' I am college educated and was very lucid in my questioning. Now, it seems that they want me to pay this back when logically there is nothing to pay back if it was truly " paused '' which is what I was told more than a dozen times. I don't think this is right and with Wells being fined more than {$2.00} Billion, they have shown they are not doing honest business with people. I am sure they took government handouts during Covid but still took it on themselves to XXXX  people.

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