BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
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:
I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have Accounts and information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, # XXXX, and # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I need you to remove the remaining items off of my Credit File : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please comply with Federal law and have the disputed items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Left voice mail saying I had suit against my social security number when I called number back did not identify who they were just I was being prosecuted for a debit on vehicle from XXXX which I settled in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I believe that the bank is purposefully withholding funds from our deceased parents checking and savings from being rightfully distributed to one of the three beneficiaries. As the estate representative I am unable to close these accounts and place them into the estate account. If this would be possible I as the estate representative would be able to write a check from the estate account and pay my sister the third beneficiary her! /3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to temporarily remove a security freeze from Experian. Experian is the only major credit bureau that does not allow free credit lock or unlock. Instead I must either pay to subscribe to their service, or use a free credit freeze which they make abundantly difficult. 

I have previously been able to unfreeze my report with Experian online, but today am unable to accomplish this, either by online or by telephone. I had all the appropriate information at the ready, but their system seems designed to frustrate and encumber, forcing one to buy their product. 

First, Experian.com tries to send you to a marketing screen to buy their product. If you get past that, it makes the credit freeze information difficult for consumers to find. After youve managed to find the appropriate screen, things get even weirder. It will attempt to frustrate you, highlighting multiple fields as invalid. The trick to avoid this particular Experian trap is to revisit each highlighted field, delete the last character typed, and then re-type. Now, when you finally have that trick mastered, it will ask for a pin. For some reason, it adds extra numbers after you type this pin, so you will have a wrong submission each time you try to submit your request. It will then tell you that you have exceeded your request limit and direct you to mail your personal information to Experian. 

Does any of this sound reasonable? This credit bureau, as a company that consumers have NO choice but to do business worth, is essentially strong-arming people into buying their product. 

I tried four times, calling two different Experian phone numbers, to get my issue resolved. Each time I was stuck in their phone system, Unable to resolve the problem or speak to an actual human before the system abruptly ended each call. 

What this company is doing is reprehensible. We as consumers, should maintain the right to place a freeze or unfreeze on our accounts without undue duress.

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 2018-08-12
Company: Clarity Services
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: Credit inquiries on your report that you don't recognize

Complaint:
Found Clarity Services Credit inquiry alert. I did not apply for credit and have no knowledge if this company. Since this happened in the last 24 hours my email has been flooded with payday loan inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is ignoring my validation requests, the company received my first letter on XX/XX/2019, a second on XX/XX/2019, and a third on XX/XX/2019. All letters via certified return receipt. Validation was requested each time and ignored. Experian did not provide any contracts with my signature and provided no proof of any verified accounts. 
After receiving my third letter Experian went on to state, " Unless you send us additional relevant information to support your claim, we will not investigate this information again. '' Experian never properly verified any account, never sent any contracts with my wet-ink signature, and the accounts clearly state that it has been transferred or sold to another office. No information is provided on my credit report. My rights are being violated!

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 2023-01-09
Company: Maximus Education, LLC dba Aidvantage
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan servicer is Aidvantage. I was transferred to them this past calendar year after XXXX shut down. I recently received a notice in the mail on XX/XX/XXXX, XXXX that I was past due on my loan payments, even though the Department of Education XXXX to payment moratorium through XXXX of XXXX. Aidvantage is saying that I missed a payment on XX/XX/XXXX and now also owe a payment due on XX/XX/XXXX. When I reached out on XX/XX/XXXX, to inquire why this was, their response to me on XX/XX/XXXX was generic and not at all a possible solution or reason for the issue. I would like to know why Aidvantage is telling it's clients that they owe on loans if the federal government has paused all payments until the litigation through the Supreme Court is resolved. I have worked hard over many years to build my XXXX XXXX to an " excellent '' rating and these erroneous " missed payments '' notices from Aidvantage could ruin that. I am worried that many other people have received similar notices from Aidvantage and I would like the company to resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is the second time Capital One has closed my account because as they stated i have past present or pending legal action. I do not have any pending or present legal issues. I do admit i, am a felon and i paid my dues and did my time as well as my supervised release all with no problems. After the first time they did this and i ignored it but i, am rebuilding my life as an honest and upstanding citizen and a XXXX XXXX XXXX. I, am involved in the entertainment business and have worked diligently to improve my credit which i have done and i have other credit cards and none of them have closed me because of my past record. I called them after i found out they closed my account and they just stated i would get a letter which i now have. I feel this is very prejudicial towards me as i know four other felons who have the Capital one credit card and this has not happened to them. 
I, am seeking your assistance to help rectify this injustice. After all do i not have the right to rebuild my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to XXXX and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.

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 2019-03-08
Company: EQUIFAX, INC.
State: NC
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 sent an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
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:
I am a victim of identity theft

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 2023-01-10
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WI XXXXXXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} Medical XXXX Balance Owed : {$58.00} Medical XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$56.00} Medical XXXX Balance Owed : {$240.00} XXXX Balance Owed : {$210.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had hundreds of dollars of unauthorized charges from XXXX. I first tried to deal with XXXX and they only ended up refunding two charges. So I called Wells Fargo and to dispute the charges because they were unauthorized. They were suppose to get back to me in two weeks.. they did not. Just closed the dispute without telling when I was expecting to get at the least a provisional credit. I gave them any evidence and dates they asked for but I was told when I finally called to check on the status that they were not going to do anything about it. My entire bank account was drained.

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 2018-08-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
State: CA
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 balance transfer

Complaint:
CITI Mobile App advertised a balance transfer offer.

Within the Citi Mobile app I accepted the offer and did a balance transfer to pay off my XXXX XXXX credit card of {$3000.00}. 

Citi bank approved the transaction on XX/XX/2023. Citi bank added the balance transfer of {$3000.00} to my Citi credit card, but my XXXX XXXX credit card still shows i owe them {$3000.00}. My balance with XXXX XXXX should be {$0.00}. 

I called Citi bank over 6 times to tell them XXXX XXXX never received the money. They have failed to help me out. Nothing on my statements show that XXXX XXXX was paid. 

This had been a frustrating process with Citi Bank and I no longer want to be a customer. I want this balance transaction reverted, since they have failed to pay XXXX XXXX. In addition, I can cancel Citi bank completely and no longer be a customer. They have been unprofessional in resolving this 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 2023-05-11
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out debt is held by XXXX and XXXX, and I have been trying to communicate with them for months. 

I did finally get a person on the phone. I was able to get my account number. 

I have requested multiple times that I receive documentation of the debt they want me to pay. It has been over XXXX months with no action. I can not seem to get verification about what I owe. 

I do believe it is intentional- I can not look up how much I owe with XXXX XXXX XXXX- they simply provide a payment screen so they can get paid without any information on the balance. 

Please do help - I need them to tell me what I owe and they are currently holding me back from trying to own a house, etc. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all information pertaining to the account listed above 100 % accurately.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.

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