BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX, HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name XXXX XXXX XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name
XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
 
Account name
XXXX
Account number
XXXX,
 
 
Account name
XXXX
Account number
XXXX,
 
 
Account name
XXXX
Account number
XXXX, XXXX XXXX XXXX
 
Account number: XXXX,
 
XXXX XXXX XXXX
 
Account number: XXXX,
 
 
XXXX XXXX XXXX
 
Account number: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX fell in between the grace period, there is an unexplained late charge attached to my mortgage that needs to be removed. The company told me to have my lawyer explain it when I called. BSI does not credit your account until the money gets deposited in the bank. Not when they receive payment. It seems every time I file a complaint, I am penalized with an unexplained fee added to my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 2023-12-08
Company: EQUIFAX, INC.
State: VA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mom has TD bank checking account. She wrote a check ( {$2000.00}, check # XXXX ) payable to me and I made a mobile deposit to XXXXXXXX XXXX XXXX XXXX XXXX The check was clear on XX/XX/XXXX. All good. Suddenly, on XX/XX/XXXX, XXXX XXXX  withdrawn {$2000.00} and said " The Federal Reserve shows this check as being deposited twice and we are required to comply with their adjustment request. Since the check has cleared, the maker should have their bank research for more information '' I thought this kind of issue should be resolved by XXXX XXXX  since they withdrawn the money for the cleared check. So, I submitted the complaint but it seems like they can not resolve the issue but gave the following response : " As TD Bank is the paying bank of the check you deposited, we ask that the maker of the check contact TD Bank to further investigate your concern. The reference number provided from the Federal Reserve is XXXX. '' My mom contacted TD bank several times but TD bank keeps saying " your son needs to contact XXXX XXXX  to resolve the issue ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

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 2023-12-08
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope you are doing well as I write this. I'm writing to discuss a very important issue with my credit report. I've discovered multiple unauthorized accounts on my credit report, which has adversely affected my creditworthiness. I firmly think that identity theft is the cause of these accounts, and they need to be resolved right away. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities about the alleged identity theft, including submitting a report to the Federal Trade Commission ( FTC ) and [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any legal transaction or credit application filed by me, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to remove them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2019-04-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Account information incorrect

Complaint:
The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX as XX/XX/XXXX and TransUnion as XX/XX/XXXX while XXXX as XX/XX/XXXX. This is an violation by the accounts with XXXX and TransUnion would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a Charge Off but yet XXXX is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a Charge off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX and XXXX and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 2023-02-26
Company: FISERV INC.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
{$120.00} used fraudulently on XXXX XXXX which is an XXXX food company/stock company. Somebody knows my card info in XXXX. 
I called my card company ( XXXX XXXX ) only for them to tell me they can't do anything about the fraudulent purchases until payment goes through. I asked why they couldn't cancel the pending purchase and they said they are going to send me a new card instead. I didn't ask for a new card I asked that I get my money back cause it's all I have left until I get another job. XXXX XXXX scammed me and won't return my money when I demanded it back. I live in XXXX by the way.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: CT
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, XXXX 1 ) XXXX XXXX  - Account # XXXX 2 ) XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX ) XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXXXXXX XXXX Account Number- XXXX XXXX ) XXXX XXXX XXXX XXXX  - Account Number- XXXX XXXX ) XXXX XXXX -Account Number- XXXX XXXX ) XXXX XXXX  - Account Number - XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX ) XXXX XXXX - Account Number - XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX ) XXXX XXXX - Account Number XXXX XXXX ) XXXX - Account Number- XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C.1861 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted a purchase on XX/XX/2022 and the amount of {$170.00} the transaction was declined by the merchant however the money was initially taken for authorization and was then deducted from what I had on my PayPal balance PayPal has not is shoot me my money back and was told that it would be going to a debit card that I have linked to my Paypal account but I did not use for this particular transaction the transaction that was made in declined through my PayPal balance PayPal has removed any visual aspect of me seeing the transaction history in my transaction summary I was able to see this transaction prior to the 30th day where my money should have been released back to me and suddenly the transaction history did not show that transaction among what was evidently removed I saved all email correspondences between myself between my debit card company who confirmed that there was no transaction made and through the company that declined my transaction initially that the funding was initially paid through PayPal I have an issue with this because PayPal has been giving me different stories I've saved every recording of phone calls as well and they're not validating to me where my money is and as I said for me to see a transaction summary that is no longer the same with the same listing itinerary it is confusing to me because it removed the transaction that would allow me to account for all my money and the funding of where it went I would just like my money back from PayPal I would like to move further if it does not happen as I said I have all the correspondence and everything to where I can State my case and all I want is a valid proof where every XXXX  XXXX have went

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use XXXX dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the XXXX dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XXXX of XXXX ( 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now XXXX  XXXX and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. 

I got this credit card because I'm traveling for my XXXX XXXX XXXX and needed the XXXX miles. My trip is in 3 week and now the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation.

Company response to consumer: Closed with explanation