BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: EQUIFAX, 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Company: EQUIFAX, INC.
State: NJ
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Account status incorrect

Complaint:
The FCRA states that it is EQUIFAX 's gravy duty and responsibility to report correct and accurate information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include 120+ days past due on XX/XX/2018, XX/XX/2018, XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish the inaccurate late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is CRYSTAL clear that EQUIFAX has violated my rights under the FCRA and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX deposited my brother stimulus check with his knowledge & the bank freezes my account without notice while I was out of town ... after taking my brother to try & rectify the situation..the bank proceeds to tell me that it will continue to he frozen because I recieved SBA loan & to forward 4yrs of my income tax that clearly shows I have been paying taxes on my small business.After weeks of not even a email.. & me calling everyday..not getting clear answers to WHY.. I'm told that XXXX will be returned to government..My small business loan was only XXXXno explanation, notice, letter. 
NOTHING from the bank on where or who recieve this the money..I contacted SBA & they say my loan had no issues & they have not receive the money.My paychecks where also withheld & I haven't been able to pay bills, or access my any money that was left. This has been a complete nightmare & I don't see no way out or who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, I received a call from XXXX XXXX on XX/XX/XXXX I thought it was scam callers so I blocked calls nearly Four calls from this number at later I received a call from XXXX he left a voice mail on my number that I am calling from Citibank call us back as unauthorized activity on your account. Soon after he left a message from ( XXXX hi I'm calling you this is XXXX from Citibank ). After a minute caller calls once again so I picked up he introduced himself as a Citibank fraud dept named XXXX Citi XXXX he took my social security number my date of birth, house address, my full card number from Citibank which XXXX XXXX expiration XX/XX/26 CVV XXXX after a minute my Citibank password was changed and I have no clue from there any fraud activity or charges were made the voice sounded like an XXXX call center where they were talking from behind plus coughing, I disconnected the call and called Citibank they said we don't have any issue on yr Bank account plz contact police report as identity theft as it is pretty serious where we don't know what will happen if u don't report any illegal activities might pop up on your name. My Citibank blocked my account XXXX and my debit card, they will be issuing me a new account. 
XXXX XXXX sheriff police report : XXXX The sheriff advised me to contact you guys as it is an urgent and sensitive matter that needs to be taken care of it. 
I would like to request you to catch the criminals as I would like to be on the safe side becz my life just started I don't want any bad remarks which will impact my medical career my Citibank account was hacked

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 2023-12-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to Equifax on different occasions in regards to the information on my credit report for XXXX. XXXX is listed on my credit report as a charge off and this account was sold to a collection agency and this should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
Im very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over XXXX months now! I ask that you delete these accounts immediately! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways as they are reporting inaccurate dates and amounts for all XXXX credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all XXXX bureaus. I am completely exhausted of the back and forth and will seek litigation

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 2023-06-26
Company: Experian Information Solutions 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: 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 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 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 2021-05-28
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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:
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 Account name : XXXX Bank Account Number : XXXX Card number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then 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 explanation
Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing to express my dissatisfaction and concern regarding an overcharge on the interest applied to my credit card account. I recently reviewed my credit card statement and discovered that the interest charges were significantly higher than anticipated, leading to an unfair financial burden. I believe there has been an error in my account 's calculation or application of interest. have carefully reviewed the terms and conditions of my credit card agreement, and there were no indications of an impending increase in the interest rate or any corresponding changes in the market conditions that would justify such a substantial increase in interest charges. 

I kindly request that you conduct a thorough investigation into this matter and explain the reasons for the overcharged interest. I expect transparency in understanding the factors that contributed to this discrepancy, including any potential errors in calculations, changes in interest rates, or other relevant circumstances that may have influenced the higher charges. Additionally, I would appreciate an adjustment to my account to rectify the overcharged amount promptly. I trust that you will take immediate action to address this issue and ensure fair treatment through your commitment to customer satisfaction. 

If necessary, I am prepared to provide any supporting documentation, such as previous statements or records of payments, to facilitate the resolution process. I expect clear communication and timely updates regarding the progress of this investigation, as well as a prompt resolution to this matter. Thank you for your immediate attention to this urgent matter. I trust that you will promptly rectify the situation and restore my confidence in your company 's commitment to fair and transparent practices.

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 2023-12-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/, I contacted XXXX to stop my account. I returned my equipment the end of XXXX. I received a notice via email that I needed to make a payment by XX/XX/XXXX and on Monday, XXXX XXXX XXXX  i received notification from the credit bureau that the account is in collections. I reached out to XXXX on XX/XX/2023 to discuss the account and was informed that they forwarded the account to a collection agency. So am confused. If the account has been forwarded to a collection agency and i never received a notification from them stating that this would happen. How can the bureau report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, 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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: MA
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:
Experian continue to reporting false and subterfuge later credit history with XXXX  account XXXX. False reporting a credit history is a violation of the FCRA by Experian. This later credit history is falsely reported by Experian which is a violation of Fair Credit Reporting Act. I have dispute this false late credit history with Experian and they refuse to update or delete this account. Experian is the company reporting the false and subterfuge late credit history so they are the company that is braking the law.

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 2020-03-17
Company: Experian Information Solutions 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 was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX   {$760.00}

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 2023-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2023 I applied and got denied for a credit by XXXX XXXX ( refer to exhibit A ). As a result I requested my consumer file from the three national credit reporting agencies, including Equifax, through the annualcreditreport. Although XXXX and XXXX provided my file, Equifax stated that they were unable to confirm my identity ( refer to the attached exhibit B ). 

On XX/XX/2023, I sent a letter via USPS to request complete disclosure of my consumer file. However, up until today, Equifax has not responded ( refer to attached exhibit C ). 

On XX/XX/2023, I made another request through the annualcreditreport. Equifax replied by saying that they were experiencing difficulties processing my request ( refer to attached exhibit D ). 

On XX/XX/2023, I attempted once again to obtain my consumer file. Equifax responded by stating that the report had already been received ( refer to attached exhibit E ). 

On XX/XX/2023, I made another attempt to obtain my consumer file. Equifax once again replied with the same response that the report had already been received ( refer to attached exhibit F ). 

Since XX/XX/2023, I have been persistently trying to access my consumer file from Equifax, but they have either ignored or refused to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: PA
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:
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. 


Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account name : XXXXXXXX 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