BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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 received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: CA
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:
XXXX case # : XXXX ( deducted credit score XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: Equitable Acceptance Corp
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted by a fraudulent company called Equitable Acceptance regarding student loan forgiveness. I was told by a representative that their company was legit & during Obamas administration loan forgiveness was possible. They told me if I signed up for {$39.00} per month for 2 years my student loans would be forgiven. Since I was hopeful to have my loan forgiven, which would free my husband & I to save money rather than spend a total of XXXX {$550.00} per month towards our students loans, I was baited & agreed to their terms. This meant giving them vital information, such as bank account number, name, email, social, etc. they proceeded to impersonate me to XXXX ( my student loan company ) several times using my information to access my account. Im afraid that has or is happening to many people. Please remember : if its too good to be true, most likely it is. Dont be gullible like me. Be wise & always ask questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-05-27
Company: EQUIFAX, INC.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: MO
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:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency EXPERIAN an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. EXPERIAN sent a letter stating this block was an error. It was not. EXPERIAN has violated my consumer rights. According to 15 U.S. Code 1681i EXPERIAN is supposed to delete the disputed items during a full and complete investigation. EXPERIAN violated this federal law. EXPERIAN is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given EXPERIAN permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against EXPERIAN for willfully and knowingly violating my consumer rights if this is not rectified within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I initiated an " ACH Push '' into my " TransferWise Borderless Account '' from my XXXX XXXX XXXX XXXX checking account in the amount of {$1000.00}. The transaction ID is # XXXX. Soon thereafter Transferwise closed my account, and after going through their KYC  and appeals process, including sending photos of State identification and selfies holding such identification, I was informed on XX/XX/2020 that my appeal was denied and the account would remain closed. It is now XX/XX/XXXX, and the {$1000.00} has still not been returned either via ACH or escheat to Florida, or check to my residence address, or any other way. I have sent numerous email requesting account statements and further information regarding the {$1000.00} held by Transferwise , INC., a Delaware corporation, and have received no information. Their Customer agreement states, with heading : " Borderless Account Statements and Requesting Account Records in Writing, '' that a customer has " the right to receive an account statement showing your Borderless Account activity, '' this has not been provided. Their customer agreement also states the following : " If we close your TransferWise Account or terminate your use of the Services for any reason, well provide you with notice of our actions and make any unrestricted prepaid money held in your Borderless Account available for withdrawal. '' This " prepaid money '' had not been made available. I received a correspondence from Transferiwse Customer Service today with the following message : " We are currently conducting an additional due diligence check on your TransferWise account which takes approximately 60 days. Once this standard procedure is complete we will be in a position to give you a clear response regarding the funds on your account after XXXX XX/XX/2020. Unfortunately, we can not provide any further information until we have finished our standard processes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: SYNCHRONY FINANCIAL
State: NV
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:
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 XXXXXX/XX/XXXX I received an email about my email being listed on the XXXX XXXX  and my identity being compromised looking into my credit profile. I noticed all these charges. The only thing that should be on my credit inquiries are my XXXX XXXX XXXX XXXX which is the bank I bank with a transaction from XXXX on finance and a XXXX  credit card. I am requesting these inquiries be removed immediately. I have also added another freeze to my profile. 

Thank you for your prompt attention to this matter!

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 2023-07-18
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Genesis FS Card Services, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called destiny and made a payment for {$260.00} and closed my account. I received a confirmation email. I woke up this morning to see the payment was processed XXXX!! The representative said its my fault and I could possibly get the money back if they approved it. Ive had both but issues with this company. I have a son who has a XXXXXXXX XXXX XXXX XXXX XXXX and Im financially struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I turned on my computer and there was a XXXX warning and to call XXXX XXXX immediatly. I call XXXX and spoke to an agent named XXXX XXXX. He said he could take care of the problem but needed to control my computer. He took control and said I had been hacked.He said he would take care of the XXXX and connected me to the U.S. Bank fraud division. I was connected to an U.S. Bank agent named XXXX XXXX ( Phone # XXXX ). XXXX told me they were aware of the scam and that it was being handled jointly with them and the FBI He also told me that the perpertrators were trying to collect {$34000.00} from my savings account. He said that they had transfered the money from my savings to my checking Acct. and are requesting a wire transfer to a XXXX XXXX bank. The funds were transfered without my consent and the wire transfer was sent.

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 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.

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 2020-07-21
Company: ID Analytics, 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: Problem with personal statement of dispute

Complaint:
SageStream llc has my credit as XXXX when I just had my credit check through my bank for a loan and all 3 are XXXX. This sage stream is also sharing my info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: DC
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 and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.

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 2021-07-16
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express XXXX offered two {$50.00} credits for spending {$50.00} or more with XXXX XXXX if it was ordered online. I spoke with a representative about this and other officers and was told I had to order the item online which is what I did. I relied on their guidance. 
I purchased two items online under this program on XX/XX/2021 and XX/XX/2021 and did not receive the credits from Amex. 
When I called AmEx they said the orders did not qualify because they had to be shipped to home. They claim they can not do anything about this because the credit is 'system generated '. 
I am submitting a complaint because I was advised by an AmEx representative about the offer and the requirement to purchase online ( which I did ) and nothing about having the item shipped to the home. I believe I was misled and met the substantial requirements of the offer. The fact that this offer is system generated is not of my concern. 
I had called to cancel my card in XXXX and the representative walked me through this and a couple more offers as a way to entice me to keep the XXXX  card. I relied on this information to keep my XXXX card.

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

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation.

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, 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 2018-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY # XXXX, # XXXXI have a a unverified account from PORTFOLIO RECOVERY. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: UT
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:
Equifax has failed to remove an account that has fraudulent balances. Equifax not only has ignored valid police reports but has continued to verify inaccurate information under my consumer profile. XXXX XXXX  has willfully verified fraudulent balances with Equifax ignored valid police reports including reporting these balances to the credit bureaus as complete and accurate but continued to send out fraud claim forms. The claim forms were completed and police reports sent to them. XXXX XXXX  continues to break the law and violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: Account status incorrect

Complaint:
After reviewing my credit report today XX/XX/21, I noticed XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.

Company response to consumer: Closed with explanation