BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-22
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX - XXXX Mobile : XXXX Email : XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Team, I am writing to dispute the hard credit check done on XX/XX/2022 on behalf of XXXX bank XXXX 
Below is the complete details. 
I have bought XXXX XXXX on XX/XX/2022 from XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX - XXXX ). I was told by sales person, if I apply for a XXXX XXXX store card I can get 10 % off of my purchase. 
I enquired about the same and asked about the credit check which it will go through. I was told, it will be a soft check and its a simple store card not a credit card. 
After that I provided all the details to sales person and he ran my details through the system but while accepting the card when I saw it is not a store card but a XXXX bank credit card. I declined the offer and paid in full without taking any kind of rebate. 
But, by then Equifax ran the credit check and it was a hard check on my credit. 

I am sending document from XXXX bank which shows I dont have any account or credit card with them also I asked them to close any application which was created on XX/XX/2022. 

Also I am sending you purchase receipt from XXXX XXXX which shows I have paid in full and I did not accepted any credit card on XX/XX/2022. 

Your help will be deeply appreciated, Please let me know if you need more details from my side Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair CrediXXXX & XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$1200.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-03-07
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the mortgage refinance process with Citibank in XX/XX/2020 and over the past year have received inadequate support to complete the process. My condo is part of the XXXX XXXX XXXX XXXX that requires Citibank and the title company to reach out in order to obtain required documents. The closing has been stalled for around 6 months due to neither Citibank 's mortgage representatives or the title company 's representatives connecting with the XXXX XXXX XXXX XXXX and providing necessary information to obtain the lien release document. 

As of summer 2020, Citibank no longer has mortgage customer service for clients. I have sent many emails over the past over 11 months to the Citi mortgage reps that are supposed to be helping me, however have received little to no support to move the process forward. A colleague of mine recently refinanced her house and it took 3 weeks. 

On XX/XX/XXXX, I received a document telling me that I will be required to pay a daily extension fee of {$34.00} for my locked interest rate. This is very unfair since I have provided all requested documents and am not the one who delayed the refinance process. I would like Citibank to waive the daily extension fee charges. 

I would deeply appreciate your help.

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 2021-03-04
Company: ID Analytics, Inc.
State: AZ
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 applied for credit with XXXX Firm on XX/XX/21. I was declined credit by XXXX Bank which apparently uses a lesser known credit reporting agency " XXXX XXXX, XXXX. This credit agency reported me as " deceased '' and credit was therefore declined. This is a recurrent problem with this agency as well as a myriad of other false and inaccurate reporting problems - some which seem to be purposeful. They publish a phone number but do not answer the phone. I have filed a dispute with them but am concerned about their continued control of my private data. Their actions have adversely affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report shows 19 inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX CAP1XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE/XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im writing in regards to letters I sent out disputing this account with XXXX XXXX and I never received any correspondence about to the disputed account, I wrote to XXXX XXXX, Experian, XXXX and XXXX and it had been over 35 days with experian XXXX and XXXX and it has been 34 days with XXXX XXXX The Late payments are reporting inaccurately and illegally. I pointed out all the violations that they are in violation of and continuing to report this account is illegal. I want this account reinvestigated and this account 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 explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions 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:
Just received my credit report on XXXX XXXX  and seen unauthorized hard inquiries I would please liked them removed ASAP

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 2023-11-26
Company: Experian Information Solutions 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:
These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2019-09-24
Company: Exchange Finance Company
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
exchange finance company XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX XXXX I have a personal loan with this company and I have advised XXXX 2 times not to contact me at work and the human resources department has advised them as well the calls continue to come and could cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2023-04-25
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Filed previous complaint on XX/XX/2023 with Lexis Nexis through CFPB concerning the sharing of public information that was not shared by courts, Lexis Nexis has no permissible authority to share my information with XXXX and XXXX LexisNexis closed case with CFPB stating would launch an investigation but failed to comply. Lexis Nexis closed this case so that a further investigation would not continue with CFPB. I called Lexis Nexis and spoke to XXXX who stated that there was not an internal investigation of my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TN
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:
Personal Statement : I the consumer XXXX XXXX XXXX have took it upon myself to grow my small business into a larger scale operation with corporate entities and to do so I must have respectable credit. In lue of my findings I have noticed two accounts that have been fradulent. I request in a timely manner this be released from my consumer credit report for it has become a great harm to my asperations of growing into the corporate business my family and I deserve. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2018 I had an emergency I went to XXXX XXXX in California I talked to my insurance at the time they said they would pay it next thing I know I have a collection on my account from Rash Curtis & Associates later when I went to someone to assist me with getting it taken care of I noticed the amount owed on the debt is going up and continues to go up when we called to work something out the operator wasn't receptive of a payment plan or anything. This issue has gone on all my credit reports XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions 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:
This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Openonline, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Okay so I just had a screening done to get a job at pet pantry and I got denied because of some charges that I got on my background and these charges are from 2014 okay and it was the last big case I had when I went to prison that was XXXX years ago 2014 so my threshold in this report says XXXX years and so I don't understand why that 2014 case is still showing on my credit on my background report when it's been over 7 years so that needs to be deleted and I probably would have got the job at pet pantry if that would have been deleted because they highlighted which charge made the factor and then deciding not to give me the job and it was XXXX of the charges from the 2014 case so therefore it's now interrupted me getting a job and making me look even worse and I just want it off my report I don't want to look at it anymore it's not a part of me anymore I have to pass time of my life it's over and I want it gone so please can you delete the 2014 case all of the 2014 cases from my background report they're old if you need to know dates and stuff I mean it's really simple to look at my background you see 2014 XX/XX/2014 is the first XXXX is the date filed and then it goes to XX/XX/2014 and going to go to yeah it's just all 2014 cases need to be moved or moved yeah I removed so if I can get done please thank you

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 2019-09-24
Company: Frost-Arnett Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Frost-Arnett collection company was unable to reach me on my cell, so proceeded to call my work and tell my co-worker who answered the phone all about my debt. Not to mention she could get me fired if she keeps doing the back to back to calling while Im trying to work!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a checking account with Wells Fargo from XXXX to XXXX at XXXX XXXX location and I had overdraft protection but I was still charged fees of XXXX to XXXX dollars each overdraft item my name is XXXX XXXX XXXX I want to find out if I'm owed any money for these transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed without explanation on XX/XX/2022. It seems to have been strategically timed to have happen directly after my ACH direct deposit of {$1500.00} was issued, and before it was posted to the account. I attempted to call support and got a recording saying that because my account is closed, that they are unable to speak with me over the phone. I then emailed support asking for an explanation, as well a how to retrieve the funds from my deposit. I was given a generic answer telling me to refer to the account agreement, with no mention at all of what happened to my deposit, nor how to retrieve the funds. I sent out XXXX more emails on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response.

Company response to consumer: Closed with explanation