BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Equitable Acceptance Corp
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I received mail from EQUITABLE ACCEPTANCE, stating they would help me consolidate my loans and enter their forebearance/Repayment Plan. From what I was told, I would not be paying XXXX ( my original Federal school Loan company ). After signing documents, I allowed them to access my XXXX account my temporarily lifting the freeze. I then was being charged by XXXX and Equitable acceptance at the same time for my repayment plan. which equitable acceptance told me would NOT occur. after emailing asking about this, I never received a response by phone or email from any equiptable acceptance representatives. I took it upon myself to call XXXX and asking why I was being charged by then when I was consolidated by equitable acceptance. That 's when the XXXX representative named XXXX explained to me that I have been scammed. She proceeded to tell me that I need to call my bank and change my account number so they will not ever charge me. I did call my bank and will be changing my bank information. I also have filed a dispute with XXXX. I am afraid that once they find out about this, they will still try to use my social to access my bank information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TN
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am requesting of you to remove or correct the following accounts reporting erroneous information on my Credit File : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX I require you to send me copies of proof of verification or any documents that resulted from your investigation. Failure to submit such documents, I will assume that you did not conducted any investigation at all and will be filing a lawsuit. So please comply with 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 2020-01-09
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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Around five years ago, I opened a checking and savings account with U.S. Bank. However, I have since moved to a city where no U.S. Bank branch is available. As a result my account became dormant. However I intend to keep my account open, in case I need further service from U.S. Bank. At their customer service agent 's suggestion, I set up a monthly transfer to prevent my account from going dormant again. This has worked well for multiple years. 

In XX/XX/2023, I noticed I was suddenly charged a " XXXX XXXX XXXX '' of XXXX dollars. I immediately contacted U.S. Bank. The customer service agent reassured me that they reactivated my account, and they will refund the service charge. I asked them to close my account, but they reassured me that the service charge will not happen again, and I can not close my account before the reactivation is fully processed in a day or two. 

In XX/XX/2023, however, I was charged the same fee again. I immediately contacted U.S. Bank again. The customer service agent reactivated the account again, and reassured me the service charges will be refunded. 

In XX/XX/2023, I noticed the service charges have not been removed. I contacted U.S. Bank again, and they told me the account has been reactivated successfully, but they can not refund the service charge. I asked to speak with a supervisor, but they claimed one is not available, but will give me a call back. I never received such call. 

I contacted U.S. Bank again, and the agent submitted a request to get the service charges refunded. I asked for a reference number but she couldn't provide any. 

It has been a week and the refund still has not happened. Therefore, I hereby submit a complaint, hoping for a fair resolution.

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 2023-03-08
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person. I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


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 2023-11-09
Company: Experian Information Solutions Inc.
State: DE
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:
This is my XXXX 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 an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$410.00XXXX XXXX XXXX XXXX Balance : {$1800.00} Date XXXX XXXX XXXX Balance : {$6800.00} Date XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to formally dispute and register a complaint regarding multiple erroneous late accounts entries on my credit report, which continue to negatively impact my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have diligently reviewed my credit report and have identified multiple instances where accounts that are marked as late are still inaccurately reported as such. I have made every effort to rectify this situation by contacting the respective creditors and the credit reporting agencies, but to no avail. 

I would like to emphasize that these late payments are not a true reflection of my financial responsibility. I have consistently made on-time payments for these accounts, and I have the documentation to support these claims. It is crucial that my credit report accurately reflects my creditworthiness, as these inaccuracies have begun to affect my ability to secure financing and achieve my financial goals. 

I kindly request that you investigate these discrepancies promptly and initiate the necessary corrections to my credit report as per the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough review of the account 's information provided and ensure that it accurately represents my payment history. If the investigation reveals that these late payments are indeed erroneous, I request that they be correct them from my credit report immediately. 

Additionally, I request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to rectify this matter. These late open accounts should be corrected by the credit bureaus right away : XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$6700.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$370.00}.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have 3 fraud apartments on my report. ( XXXX XXXX ) Acct # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # XXXX ( XXXX LXXXX ) Acct # XXXX I have 2 Fraud Phone/ Mobile System on my report. ( XXXX XXXX XXXX ) Acct # XXXX ( XXXX ) Acct # XXXX I have 6 Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. As the creditors regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXXXXXX XXXX XXXX. XXXX and 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX and 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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the XXXX Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all XXXX credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, XXXX XXXX XXXX Transunion now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX  ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX XXXXXX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2021-02-03
Company: Experian Information Solutions 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:
Unfortunately I do not have specific dates but I have time frames. Several times in XXXX, XX/XX/XXXX and XX/XX/XXXX, I have contacted Experian credit bureau to dispute the inaccuracy of XXXX mortgage displaying on my credit report as open with a balance. I have also contacted the mortgage company and they informed me that they sent updates to the credit bureaus back in XX/XX/XXXX which is when the mortgage was satisfied. I also sent mortgage satisfaction documents to the credit bureau and they are refusing to update the 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 2023-08-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax continues to report inaccurate information. They are well beyond the 45 day allotment to verify information. They have violated many aspects of the Fair Credit Reporting Act and I have a pending legal case against them. The case numbers is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX : XXXX -- -> : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Check Systems is reporting false information from XXXX XXXX for ( 2 ) accounts.

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