BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 4. XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
I am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them from my account.

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 2020-05-23
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: Personal information incorrect

Complaint:
I'm having issues getting to credit bureaus to update and correct my personal information on 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 explanation
Consumer complaint received 2019-05-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX College back when it was located in XXXX California before they moved to XXXX. I was young, just had a XXXX   and was looking to start a career. I joined their XXXX XXXX XXXX program approximately XX/XX/2006. Although the program was not yet accredited, I was promised that it would be by the time of my completion. I was so happy when I finally graduated and felt accomplished. Unfortunately for me and my class mates, the accreditation of the program that we were promised never came resulting in not being able to qualify for state licensing which made us undesirable to employers. No one wanted to hire me with out my state license and in order to attain one, I needed one year experience which I could not get. The two basically cancelled each other out. After this, XXXX XXXX College shut down the program I took ( XXXX XXXX XXXX   ) because they couldn't attain the accreditation and then moved the whole school to the now XXXX location. 

Since then I have not been able to be employed at all in the certificate that I earned through them and have not been able to afford any payment towards my school loans. I am a struggling single mother and times are hard. So I recently applied for a school closure discharge through Fed loan servicing. I felt i qualified because although XXXX XXXX College still operates and provides numerous programs, the specific program I took ( XXXX  ) was closed and no longer offered through them because of their own shortcomings with the accreditation. Fed loan told me I did not qualify for the school closure discharge because I completed the program.. 

I do not understand how being a school " drop out '' would better qualify me for the discharge. XXXX XXXX College was unscrupulous towards me and many other students, it was even proven in court.. and here I am struggling to attain employment and not being able to pay for a loan which resulted in nothing.. and not to mention the program I completed was closed and the location itself was closed. 

These student loans have haunted me for over a decade. The experience itself has haunted me. I was looking forward to possibly going back to school if i qualified for the discharge and was excited to possibly move my life in a positive direction. These student loans I have now have stopped me from going back to school because I cant afford any more debt. I am left with not very many options and I am filing this complaint with you to hopefully find some answers and solutions..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: First Federal Credit Control, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION RESULTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CITIBANK, N.A.
State: CO
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-22
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Company promised a {$75.00} promo for getting direct deposit over {$500.00}. I got a direct employer deposit of {$500.00} on XX/XX/2020 yet the promo did not credit as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: SYNCHRONY FINANCIAL
State: TX
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:
This debt is not mine I demand that is taking off my credit someone use my information and use this card not me. If its not I will file a Cease order to the above credit repor if its not fix. I deman that this debt to take it off my three credits report its hurting me I cant do anything bc this scammers reunite my life.

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 2021-02-25
Company: CITIBANK, N.A.
State: MA
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:
XX/XX/XXXX To whom this may concern, On XX/XX/XXXX I received a phone call regarding a vacation package. This was not out of the ordinary as I have done many in the past. So, I proceeded and purchased 2 packages, totaling the amount of {$1900.00}. 

The packages must be used within 2 years. Over the phone they told me blackout dates and provide a number to call to make the reservation. I was also told I would receive information in the mail regarding the packages. The only information I ever received was that one sole phone call. 

I finalized travel time with my family and tried to call the number provided. At the time the number rang multiple times then to a busy signal. I tried to call multiple times this day and a few more during the week without any success. 

My next step was to contact Citi Card Service. At this time, I was told by Citi Card that I had to wait the 2 years for the vacation company to honor the vacation packages. 

I then waited the 2years and revisited to charge with Citi Card Services. At this time, I was told by Citi Card that they could not reverse the charges due to it being too long to process. 


Citi Card Services, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, SD, XXXX. Contact number XXXX or XXXX. 
Card Name ( at the time of the charges XXXX XXXX XXXX credit card ending XXXX. 
Credit Card Charges $ XXXX from XXXX XXXXXXXX XXXX. 





Warm Regards, 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 2018-04-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I attempted to dispute this with the credit bureau, Equifax. However, their webaite continues to advise that I have my information wrong. I was only putting in my personal information. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A fraudulent transaction of {$68.00} was initially charged to my credit card on XX/XX/2021 to Delivery.co.uk which is a food delivery service in XXXX XXXX. I would never order any service from them since I live in XXXX, California and they only deliver food to customers in XXXX XXXX. The credit card company noticed this to be a questionable transaction and so it sent me a text message asking me if I authorized that transaction. I immediately replied NO and so they told me that they would block the transaction. So then I canceled the card and ordered a replacement card suspecting someone got a hold of my credit card number. I contacted Delivery.co.uk and they told me that they told me that they never made that transaction nor do they have any records of me or my credit card number in any of their databases. 

To my surprise, the next day ( XX/XX/2021 ), not only did the transaction still show up in the transaction list in their mobile app, but the amount changed from {$68.00} to {$96.00}, which should have been impossible since they already texted me that they blocked the transaction. Furthermore, I canceled the card the previous day so the card shouldn't have even worked. Then it changed again on XX/XX/XXXX to {$95.00}. That's when I finally realized that it was the credit card company itself that was making these fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The following accounts are incorrect : 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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : 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 2021-02-25
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a signed settlement agreement with the Credit Control LLC for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX and XX/XX/XXXX. I have a statement and notices from the bank reflecting sufficient amount on the account and an overdraft services were on. On XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact Credit Control to clarify through their website and sent 3 message of which I have time stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentlemen they have 2 different parts of the collection department and another department is under a different number, which i called and left a voicemail as no one was available. Then I proceeded sending another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX, if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments, then I was told that my payment did not go through and that agreement was voided and now I have to start paying off the same amount a new. Not only that manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I was not even able to speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and placed me under pressure. Where this agency prey on the debt problems and make them worse instead of helping in resolving.

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 2020-07-07
Company: Aldridge PIte Haan, LLP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, Mr. XXXX XXXX, XXXX No. XXXX and Alridge Pite Haan, PLLP filed a lawsuit against me for the old debt that has already been closed or charged off in XX/XX/XXXX regarding the XXXX XXXX Credit Card with XXXX XXXX XXXX  XXXX or XXXX XXXX  XXXX XXXX XXXX. This is illegal for Mr. XXXX to pursue for this old debt that already discharged off or closed account. I received the summons on XX/XX/XXXX for this lawsuit. It is also illegal for Mr. XXXX and the District Court of XXXX County to serve the Summons openly and Mr. XXXX ( XXXX male in his XXXX ) has no rights to see my private information regarding this lawsuit. The summons supposed to serve to me with the seal envelope. This is illegal conduct on their part. Therefore, I am asking the CFPB to investigate this discrimination. I am being protected by the Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: OH
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:
Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, XXXX, EQUIFAX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX  XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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 applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.

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 2019-08-09
Company: EQUIFAX, INC.
State: HI
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 a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation