BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: IL
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:
My Equifax credit report shows 1 unauthorized credit inquiries ; XXXX XXXX XX/XX/2019. Please have this inquiries removed from my credit file immediately, as it is in fact, unauthorized and fraudulent inquiries. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally unverified and unauthorized accounts MUST be removed. This is my third attempt to remove this fraudulent inquiry with this company. I have not gotten investigation results for the reason why inquiry isnt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed errors on my Transunion credit report, so I tried contacting them to have them fix the errors. I have not been able to get them fixed and Transunion is violating section 611 of the FCRA and my right to dispute inaccurate information found in my report and have it removed. I notified them 70 days ago and the errors are still 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 non-monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00XXXX XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For months now I can not login to Equifax to look at, and most likely dispute, information in my file. I tried online and they would not let me see anything, I was referred to a toll free number where I sat on hold, and was bounced around for 30 minutes. I got frustrated and hung up, but waited 3 days and called back, to wait 45 minutes this time and keep getting bounced around with no resolution. 

I sat down and wrote a letter politely demanding to see my credit file, included copies/printouts of the front and back of my valid drivers license, and social security card front and back. These were the 2 " big '' items they wanted so I could prove me identity and see my credit file. I waited appx 2 weeks and was mailed a letter from Equifax with a website to login and enter a verification code they proved on the letter. I did all this and still, I was blocked out - not allowed to see my credit file. I can not get them to open up their blocking of my account and I truly need to see my file/info with them because I can think of 2 companies I want to file disputes against if they are on the Equifax credit report. 

I called the same number AGAIN, sat on hold and finally got to hear a human voice. I told him what happened, although I could barely understand his horrible English. He said he had to transfer me to another department, and he put me on hold, which then properly hung-up on me. I was livid, I could not stand it anymore so I didn't call back. I found your office through an internet search and thought I should try to get help. 

I'm only trying to access MY CREDIT FILE, which I've provided more than ample information proving I am who I say I am. 

Please make Equifax get this lined out ASAP. It's been going on for months. No matter what website, form or whatever I use, I am not being allowed to see my credit file witht them, muchless my score. After paying {$29.00} on XXXX, i was able to see scores on all 3 main credit reporting agencies and Equifax is the worst. I know there are errors because they show my credit score as XXXX. No idea what fraud-laziness- or else is going on with them but they need to open my files up to me anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Personal information incorrect

Complaint:
for number of years now I been request that Experian fix my personal information from my credit but the company failed to do so

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 2017-08-08
Company: EQUIFAX, INC.
State: NY
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:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the Equifax, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an 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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Investigation did not fix error

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 2021-08-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reached out to Equifax over and over about companies running my information and people applying for cars and credit cards in my name please help and remove these unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.Transunion and XXXX  is reporting a fraud account from XXXX XXXX  that was opened on XX/XX/XXXXTransunion is incorrectly reporting that my name is XXXX, XXXX, XXXXTransunion is incorrectly reporting addresses of XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX  and XXXX  is reporting a XXXX/XXXX  account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX  Account, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXXon my XXXX XXXX  Account, please remove these inaccurate lates.XXXX  is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX  is reporting incorrect addresses:Incorrect Addresses: 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 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are numerous inquires on my credit report i did not authorize. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date :XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX   Date:XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date:XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2020-05-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony keep messing up my mailing address and therefore, charged me a {$29.00} fee. This isnt the first time I have issues with the company about not having the correct address and charging fees. Just today, XX/XX/20, I spoke to a representative and her manager about the issued. Event thought the address was wrong, they stated that the could not be waived, even though this is their error.

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 monetary relief
Consumer complaint received 2020-05-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Complaint is against Wells Fargo regarding my private student loan # XXXX. MY complaint is that Wells Fargo purposely refuses and delays to provide loan payoff information in order to interfere in loan consolidations with other companies in order to influence a denial which would keep the loan with WF so they can continue to accrue double digit interest from a loan they lended to me during the last financial crisis. 

I logged onto their website today. Please be informed that multiple lenders including XXXX, XXXX, XXXX and more allow you to access a 10-30 day loan payoff statement right on their website. Wells Fargo does not, it instructs you to call. Well I called earlier today and I was told it takes up to 3 days to receive a loan payoff statement? It is a simple detail about my loan and this may have a negative consequence on a consolidation pre-approval that I have. 

Please be advised Wells Fargo has a bad reputation in regards to refinance and consolidation denials in order to keep struggling consumers in their current bad loan terms. The fact that they are telling me to wait three days for simple information on my loan is entirely unacceptable!

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 2017-09-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
over a period of 5 days in XXXX XXXX dollars was taken from my savings account at td bank. I was out of the country during that time and my card was not with me. when I went to check my account a month after I returned home ( the man at td bank that I reported it to who was an assistant XXXX said I had a 3 month time period to report it and I was within that time period ).. it have spoken to the assistant XXXX and the XXXX of the branch and filed a report with the nyc police department but it is almost 4 months later and this XXXX is still missing. as I need to pay a caregiver for my husband I need this money but am getting no results from the bank and do n't know where to turn to next. any help you could give me would be most appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TD BANK US HOLDING COMPANY
State: NC
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:
Have attempted to resolve this issue multiple times with the company directly and offered to provide copies of an identity theft report regarding the situation. Constantly my concerns are brushed off or deemed inadequate. I have also addressed these concerns with all three credit bureaus XXXX, XXXX, XXXX and all parties have exhibited willful and grossly negligent behavior which has adversely affected me. This behavior is a direct violation under the rights given to me by the FCRA. Automated responses and bully like behavior is the most simplistic description of the behavior of all parties mentioned. I have made 3 attempts if not more to resolve it and this will be my final attempt before exploring other options including but not limited to litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
FCRA VIOLATIONS : NOT MINE SEE ATTACHMENTS OF PREVIOUS VIOLATIONS : XXXX XXXX  - Closed 9 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Legally paid in full for less than the full balance NAME : NOT MINE : XXXX XXXX NOT MINE : XXXX, TX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Bread Financial Holdings, Inc.
State: WY
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 XXXXSs#XXXXXXXX XXXX XXXX XXXX  Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported.Please validate this information with (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have not applied for a checking or savings account with this bank. Any inquiries made on my XXXX XXXX or credit file are unauthorized?

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 monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: MA
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:
One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.

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