BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus Experian XXXX XXXX... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a XXXX with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Account status incorrect

Complaint:
I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove the following unauthorized inquiries from my Transunion credit report 1. XXXX  XX/XX/2018 2. XXXX XXXX   XX/XX/2018 3. XXXX XXXX XXXX XX/XX/2018

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 2021-09-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My family and I have suffered irreparable damages and financial strain since the credit reporting agency XXXX has allowed the creditor, XXXX XXXX XXXX abuse and violate.my credit report along with my rights under the Fair Credit Act. At the beginning of the pandemic the creditor offered payment arrangements for those that were affected economically because of the pandemic. I called in and made an arrangement to change my payment date from the XXXX  to the XXXX of every month making full payments. No late payments were reported to my credit report for over a year and suddenly in the midst of a mortgage approval the company put over five late payments on my credit report. I found the FTC and consumer financial protection bureau Complaint watch the creditor responded that they would remove all late payments and it was an error. The company removed all late payments except to that has drastically impacted my credit report. I filed many disputes in which resolve the issue the last dispute that was filed, except once consumer finance close the complaint and marked it as a result of the company a week later put back on to late payments. Ive been in an extended stay hotel for over six months trying to resolve this and my next step is an attorney. This loan was my ex husbands responsibility in our divorce settlement since 2020 but theres no way to remove it from my credit report because he financed it in my name. I have a copy of my divorce complaint and settlement if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: AR
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2021-09-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is in forbearance since XX/XX/2020. I was given only 17 months of forbearance by Wells Fargo even though I am entitled to 18 months. I made my last payment on XX/XX/2020 and applied for forbearance on XX/XX/2020. They are shortening me on my right to 18 months forbearance period because they say that I applied for forbearance the same month I already made a payment for even though the payment was made before I applied for the assistance. I didn't know on XX/XX/2020 that I can apply for forbearance. I learned about this a week later. It doesn't make any sense to me why would they go back a month? Wells Fargo always tries to rip off its customers and this is another example. I suggest you look into this because it's not only me they did that too.

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 2021-11-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is remaining inquiry that is reporting on my Credit Report : XXXX NA Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was a cosigner on a loan and the main person quit paying the note and I was unaware and before I knew I was getting a repossession letter in the mail and this was during the pandemic and they repossess the vehicle without even give me an option to do anything when I found out it was already too late they said

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
National Credit Adju 01 XXXX  XXXX  XXXX  XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: NV
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:
i had a chase credit card and went through some financial hardship during my last year of school in the beginning of XXXX. i have had a great relationship with chase for XXXX years and XXXX years of great credit history. i had the account closed and sent to collection which i have now settled and cleared with the bank in XXXX this year. i want to start building a relationship with chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 Equifax was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report which was received on XX/XX/21. Equifax failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent Equifax a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed they received that correspondent on XX/XX/21. I also attached my consumer report and labeled 10 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to Equifax nor did I receive and update on the adverse items that should have been excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CAINE & WEINER COMPANY, INC.
State: LA
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 had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX CAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I've never did any business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXXXXXX {$25000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX  XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}

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 2023-05-11
Company: EQUIFAX, INC.
State: PA
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 inaccurate. 
on XX/XX/23 XXXX XXXX  # XXXX XXXXXXXX original creditor XXXX  XXXX balance {$2300.00} XXXX XXXX XXXX  XXXX XXXX original balance XXXX current balance XXXX this company sold the account to XXXX and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have multiple accounts under my social security that I did not create. I believe my dad opened these accounts. I had no knowledge of these accounts being opened and used. I also have multiple lines of credit under my name that need to be disputed with each bank not just the discover one listed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Account information incorrect

Complaint:
XXXX XXXX look at what you just sent me asto resolution  of this matter a statement dated XX/XX/2023 which when i got i paid imediatly i paid more before that in XXXX when i taught it was overdo tazes which you guys put on account but didnt make the amount you guys wanted till i got the bill in XXXX i had no idea what was going on i taught it was taxes and tried to pay mid XXXX which i get no credit for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: MO
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 been in constant contact with Equifax to remove unauthorized inquiries since XX/XX/ and my last letter is going out certified return receipt on Monday XXXX XXXX XXXX I have sent out twenty-six ( 26 ) letters and everytime I get the same result : " Inquiries are a factual record of a file 's access and will remain on the Equifax credit file for two years since the reported date of the inquiry ''. This is not acceptable and why can other bureaus delete these inquiries but Equifax can't or won't? I am trying to get a refinance loan but I was turned down due to excessive inquiries so I am still trying to remove those that I don't recognize or are unauthorized. Any and all help you provide is greatly apprreciated. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have requested now 3 times with Citibank to change my billing due date to the beginning of the month. I was told it takes 2 to 3 billing cycles to take effect. I made my payments well before the cited due date on each bill around the 5th of every month. After a few months and no due date change I contacted Citibank a second time and was told there was no note on my account that I had requested it. So they again told me the same thing that it would take 2 to 3 billing cycles to take effect and cancelled only one of the late fees they charged me, this was in XX/XX/XXXX. I called again today XX/XX/XXXX. Again was told the same thing there was no notation on my account for such a request and I had been charged a late fee ranging from {$27.00} to {$38.00} every month since XXXX ( that was as far back as they could see due to archiving ). When I spoke to a manager ( XXXX ) she was said there was not a note at first, then somehow found a note on my account from my call in XXXX. She stated the note indicated that I requested a due date change but they were unable to do it due to terms being changed at that time. I was NOT told this by the person I spoke to in XXXX. I have been charged a late fee every month for the last year because they failed to comply with my request to change my due date and failed to notify me that they were unable to do it. I have made a payment every month some doubled up because of the bills I received with different amounts due. I was again told that she could not change the due date for my account. I find this incredibly hard to believe that in this day of technology they can't change a simple due date for an account. She also stated she was not authorized to waive more than one late fee per year. This seems like a simple request that has been ignored now three times, and a failure to properly note my account when I call their customer service center. In the interest of complete transparency there are XXXXwo instances where I made two payments in one month ( on separate dates ) to try and follow their sloppy billing notices so I understand the late fees there although it still was NOT my fault they failed to change the due  date/billing cycle. I was told I can call back in XXXX to request it again. It's simply ridiculous.

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 2022-09-24
Company: Experian Information Solutions Inc.
State: OK
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've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. 
See attached.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
TRANSUNIONS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to TRANSUNION. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.

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 2023-07-14
Company: EQUIFAX, INC.
State: MD
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 9th 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 an alleged fraud or extortion. 
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