BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # 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. I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: MARINER FINANCE, LLC
State: FL
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 received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day. 

I called to cancel my appointment that I didn't want to apply for the promotion. 

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first. 

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do. 

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report. 

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan. 

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need someone that can help me, I am deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations, I demand to see verifiable proof ( an original consumer contract with signature on it ) If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me distress, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the 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 non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Equifax at XXXX ( XXXX ) XXXX on XX/XX/23 At XXXX noon central time in regards to these fraudulent inquiries that must be removed immediately. And filed an FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : EXPERIAN : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted 4 separate disputes to this company. One of my issues on my credit report were multiple unknown inquiries. Instead of this company addressing my concerns, they were flat out ignored. This is a direct violation of my consumer rights under the FCRA which gives me the right to dispute all information on my credit file, for the bureaus to respond, and lastly, have my credit file reporting ACCURATELY. 

Dates of my letters are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/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 2023-12-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud

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 2020-03-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received a response I was not eligible for the Dodd Frank Certification ( Frank Dodd ). Equity I'm uploading the letters that show  proof I was eligible. 
Representative XXXX XXXX - Contact # XXXX I still have not received the credit. WellsFargo is not reviewing the information, if they did, I would not have to state the issue is still unresolved. 

I would suggest that they look at my file & what was being offered to customers during the time period.

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 2020-06-23
Company: STERLING JEWELERS, 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: Problem with personal statement of dispute

Complaint:
I received a call from who I thought was my creditor ( Kay Jewelers ) but was a collection agency. We agreed to settle the account to resolve the matter. 
I received my letter of settlement on XX/XX/20 and realized that they were not the original creditor but an agency and my creditor sold them the account. i asked when can see the status of my account updated. They advised that they do not report I would have to submit a dispute with the credit bureau to resolve. 
I submitted my dispute requesting that they update my status as settle for less than full balance. 
The credit bureau advised that they refused. I contacted my creditor and advised that they are required to update my cbr to reflect the correct status ( Settled ) the said that they have no obligation or responsibility to do so the account was sold. I than advised that if you are going to take the time to report than you do have a responsibility to update or remove it. 

I asked to speak with the supervisors, supervisor. She would not let me speak with anyone and continued to talk over me and yell at me. I advised that I would contact corporate and did. 

Since they sold the account I would like them to remove from my cbr since they claim no responsibility in being compliant with the credit bureau reporting act. and refuse to update my information as it truly stands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion I demand the following account be removed from my credit file immediately per the FCRA 623 AND FDCPA 806B STATES THAT THE CREDITS MUST MUST ENTER A NOTICED OF DISPUTE IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT CAN NOT REPORT ON THE CREDIT FILE I WANT YOU TO ALSO SEND ME HOW MANY TIMES THE ACCOUNT WAS DISPUTED WITH YOUR COMPANY AND NOT A SINGLE ACCOUNT IS REPORTING THIS INFO I WANT THE ACCOUNTS DELETED ASAP XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ENCLOSE IN YOUR RESPONES HOW MANY TIME EACH HAVE THESE ACCOUNTS BEEN DISPUTED AND THE MESSAGE IS NOT REPORTING ON ANY OF THEM. DELETE ALL ACCOUNTS ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I am waiting for my check for $ XXXX XXXX  XXXX said that they have sent the check but I have not received it. I get email from the bank the check is cashed. I need my money. My account number is XXXXIf I am not given my money will go legal.

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 2022-02-20
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover stated they issued a XXXX form and still trying to collect money for {$3500.00}. 

Discover stated they issue the XXXX on XX/XX/XXXX, XXXX if I got to report the income on my taxes why do I need to pay discover? 

Was the balance cancel? 

if so, updated credit report to {$0.00} when will I get the XXXX form? if so upload here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2019-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I tried to temporarily lift a credit freeze of my account with the Equifax by calling on the phone, which resulted in nothing but telling me that the system was unavailable, I couldn't get to any live person to talk to, only automated responses. I tried to set up an account on Equifax website, that attempt ended in the same way telling me that the system was not available. I tried to communicate through an instant messenger on their website, i talked to three persons, who steered me to call on the phone, and expressed their apologies for the inconvenience, but to no result whatsoever. Finally, a banker at XXXX XXXX   tried to help me through their computers and again it failed, come to the same answer. Next day, i called the XXXX  and I was able to lift the credit freeze within 10 minutes talking to live person on telephone. 
Unfortunately, the XXXX XXXX only deals only with Equifax. 
After this I went to the XXXX XXXX and I found multiple complaints about Equifax for similar reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2020 I received 2 letters from Chase Card Services saying they closed my credit card accounts. For both accounts Chase pointed out the reasons as : 1 ) TOO MANY ACCOUNTS OPENED RECENTLY 2 ) NOT ENOUGH CREDIT INFORMATION ON FILE However, 1 ) The 2 accounts with Chase is exactly the most recent accounts I opened. I have not opened any other accounts after Chase approved these 2 accounts. 
2 ) My credit report has no change compared to at the time Chase approved these 2 accounts, except new on-time payments and XXXX XXXX reporting I was added as an authorized user. 

I called the number listed on the letter and asked for a review. A representative called me back today. I believe the representative already has his/her mind set and was looking for an excuse instead of doing the review : 1 ) The representative pointed at an account I opened in prior to the 2 accounts with Chase and said that was the " recent account ''. 
2 ) The representative said they keep monitoring my credit information and there were changes in my credit report, despite the reason given to me was " no enough credit information ''. 
I feel the representative is also unprofessional and unfamiliar with their policy - I asked about redeeming my rewards points and the representative said that I can not redeem them anymore, despite the letter said I have 30 days to redeem rewards points.

Company response to consumer: Closed with monetary relief