BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has been constantly ignoring my request for validation of accounts. I have requested several times from the companies for proof of contract that applied with them to no prevail. I have also sent Equifax numerous of request to delete due to no contract or validation of account and provide proof. Equifax has continuous ignored my request even after providing proof. They are also displaying someone else ssn number on my credit report. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. They are stating it is from an application. I do not apply for anything with someone elses ssn so please remove. Please not this information was sent to a Supervisor in their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this back to my file. Equifax practices regarding peoples SSN,  identity, and file to me is criminal. They just allow anything to be on the reports without proper validation. Please see the attached letters that were sent to Equifax certified as well as faxed. They have violated my rights completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Self financial XXXX XXXX XXXX # XXXX XXXX TX XXXX www.self.inc Self financial is the company I am filing this complaint about. I have been issued a credit card by them, then after I've been using it NOW they shut the card off and ask me to verify my identity. 

So I upload a copy of my driver 's license and debit card through their website and have emailed them several times. I have received one email back asking how they can help, i answered in the email I need help verifying my identity and I would like my card turned back on and haven't received another email since then. 

They have ZERO phone line customer service. ZERO chat box on their website. 

This is a DISGRACE to treat CUSTOMERS like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: The Best Credit Group
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid XXXX XXXX $ XXXXat The Best Credit Group in XXXX of 2016 for credit repair services. He did nothing but sent me 1 credit report and I paid him {$200.00} for my husband and recommended friends to him. He took my money and just emails me and refuses to refund my money. I asked him several times what steps have you taken. NO RESPONSE. HE IS FRAUD!!!!!!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2018-10-23
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:
XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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:
XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.

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 2020-05-12
Company: EQUIFAX, 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 identity 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 outrageous amount of items that were opened under my social 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 form my report. XXXX XXXX XXXX {$760.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I called to arrange a payment for the XXXX of the month. I was not late and even paid extra. The loan was taken out immediately overdrawing my account. When I called the company said the payment was taken by mistake and a refund was in order. First they claimed there was a problem with their refund department. Then they said it would take 48-72 hours for the money be refunded despite my band verifing they had covered the amount. I now have a overdrawn checking account, overdraft fees adding up and no refund. Customer Service 0. Run from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Got approved for a XXXX loan in XXXX of 2017. My payback was XXXX monthly starting in XXXX. My pay off amount is about XXXX - XXXX. I asked to pay of the loan because nothing is being applied to the principal it all going to the interest. They keep telling me I cant I have to pay the full amount. There was nothing stating the interest rate. I dont have a problem with paying back the XXXX beings though I have already made 6 payments in the amount of XXXX but they will not go for it. This place is a rip off and I have already ask them to stop taking payments out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes with Equifax. They refuse to remove the in accurate information. I have sent letters, which i attached below as well as spoke with several representatives between the creditors and Equuifax. 

Equifax has an address on file that does not belong to me, not associated with any account reporting. I have disputed twice in the last 60 days alone, XX/XX/XXXX and XX/XX/XXXX. The dispute resolved both time, with the address still reporting. This is not my address, never resided at this address. 

There are several inquiries being reported, that i did not authorize or give permission to the creditors to pull my credit. I contacted Equifax by phone and letter and was informed to contact the creditors directly, so i did so. The creditors did not provide me with any information proving authorization from me to pull my credit. They sent letters stating to contact Equifax to have the inquiries removed. I am being bounced between the creditor and Equifax and no has provided me with any proof or validation. I am not disputing any inquiries i am aware of. I know what i applied for. These companies do not have a right to pre screen or pre approve me for anything i did not agree too. I've asked them all to take me out of their data base as well as opted out of prescreening all together to prevent this from happening again. 

Some of the creditors agreed to remove the inquiries, XXXX XXXXXXXX XXXX ( letter of removal attached ) i sent this letter to Equifax and this account has yet to be removed. XXXX investigated and removed the inquiry. XXXX XXXX, provided me a confirmation number of XXXX XX/XX/XXXX and this account is still present. 

XXXX XXXX pulled my report 3 times unauthorized. They sent me a letter with a name that is not even mine, XXXX XXXX. My name is XXXX XXXX. stating they received a application via internet website. I have no idea what this company is. I never applied for their services, where is the application? they can not provide it! 

XXXX, I never applied for a credit card with their company. Yes i have a free XXXX XXXX account as do most people in the country, but I never applied for credit with them. They too unable to provide proof of application. 

I sent all this information to Equafix and they are doing nothing about it, these accounts are still present on my report. 

I attached all of my communication with Equifax and the Creditors for your review. 

Please also note that i was a victim of the most recent Equifax Security Breech as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been sending documents to prove that we qualify for a Loan Modification and each time we comply with the completed package that was requested by the CITI Representative, we think we are going to get an approval here we go again, more and more documents. This package that we are preparing for submission now we have sent 7 times and each time we must start over, Please help us with this situation. We want and need to save our home. We need to know if there is some reason that we are getting the run around with our account. 
As soon as we submit the requested documents, Citi refuse to acknowledge the receipt of the documents. Each time we must start over, we want to comply with their procedures and get an approval to save our home, however the requests are always the same documents we have already sent with a few more requests added. 
We are submitting the 8th full package to day XX/XX/18 - 28 documents, what will they need this time? 
Please help us. We can payment a down payment we can afford the mortgage

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 2018-10-23
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:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
The below accounts do not belong to me I have been trying to resolve this issue but I get nowhere, I'm a XXXX veteran and I'm trying to buy a home and this is stopping me from doing so, all the accounts info is below. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Account # XXXX XXXX XXXX XX/XX/XXXX Balance {$1500.00} XXXX Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$690.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$630.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$260.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX XXXX   XXXX  Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$100.00} Account # 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 2022-01-05
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:
XXXX I am attaching my Drivers license, my social security card and XXXX accounts which I noticed recently when checking my credit that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last XX/XX/XXXX, I purchased a program that was financed on multiple credit cards to purchase a revenue and education system from a company called XXXX. 

My purchase with Bank of America and had an initial purchase of {$20000.00} placed on it to buy into XXXX and start my education. In XX/XX/XXXX, the Federal Trade Commission ( FTC ) shut the company down for multiple reasons. The XXXX website, as well as it's subsidiaries, were also shut down. Many people were left with no contact, a lot of debt and no income to pay those bills. 

I have not received what I was promised - an education, training, income. 

Many of the companies I used as a line of credit to complete the purchase have provided in full charge backs. The companies I have received full refunds are XXXX, XXXX XXXX, XXXX and XXXX. 

But back to Bank of America - they gave a provisional credit and then retracted it. I would appreciate it if they would create a charge back of {$20000.00}, which is the XXXX down payment.

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 2018-02-24
Company: Experian Information Solutions 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 was shopping around for a used car yesterday, XX/XX/18, and visited XXXX XXXX XXXX. Upon interest in a vehicle, when we sat down to talk numbers, the finance person told me he had to run my credit, despite me bringing my own approved financing from my credit union. I asked if it would be a hard or soft inquiry, and he said soft. 
Upon visiting another dealership, immediately after, I was informed that this was, in fact, a hard inquiry, because dealers ONLY do hard inquiries, and that the score reported to me by the other dealer ( XXXX ) was reported under a XXXX XXXX, which is only used for mortgages or loans over {$1.00} million. The credit check was run under " XXXX XXXX ''. 
The 2nd dealer informed me that when my score was run properly under XXXX, that it came back as XXXX. 
I did not authorize the first dealer to run my credit as a hard inquiry, and they also did it under the wrong code, which made it inaccurate, which is useless to everybody, and therefore want this hard inquiry removed from my record. 

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 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX File # XXXX Plaintiff : Capital One, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXXXXXX & XXXX The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX! This is with regards to information obtained from the Plaintiff, Capital One. See included letter from Capital One stating that on XX/XX/XXXX Capital One was issuing a Cease and Desist and stopping all collection efforts and closing the account with XXXX XXXX XXXX XXXX which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then XXXX XXXX XXXX XXXX has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if XXXX XXXX XXXX XXXX had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to XXXX XXXX XXXX XXXX by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that XXXX XXXX XXXX XXXX be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: EQUIFAX, INC.
State: SC
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 mailed all the necessary paperwork off to XXXX to have these accounts that do not belong to me removed, and they have not investigated the matters or responded to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
equifax has somehow blocked anyone from being able to pull my credit report when or if i need to apply for anything. I discovered it when i recently applied for a secured card with XXXX and i was given a message that there was a freeze and they were not able to pull my credit report. I contacted equifax and the automated system verified me and then said that it could not remove the freeze so i requested an agent and the agent said that there was no freeze but creditors are being blocked from pulling my credit. she said there was a fraud alert which i requested because my amended tax return with all of my kids and my personal sensitive information was stolen through the us postal system while in transit to the IRS. I provided the police report. the fraud alert of suppose to alert creditor to verify and thoroughly check out and make sure they have the correct person ; not block my credit altogether so that even i can not utilize my own credit. She stated that an indicator ( whatever that is was placed ) and that she was removing it but why would things be placed to keep me out of my own credit. I want any freeze they currently have on my credit report or whatever it is that equifax is using to block my credit to be removed and not replaced unless I request it and not whoever they are allowing do to whatever they want to my records.

Company response to consumer: Closed with explanation