BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items 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. 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. 
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 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 XXXXXXXX XXXX {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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: Investigation took more than 30 days

Complaint:
CRA VIOLATION. WERE DISPUTED WITH TRANSUNION ON XX/XX/2018. I DID NOT RECEIVED ANY DOCUMENT BACK AFTER 30 DAYS. THAT IS A SERIOUS VIOLATION.

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 2022-12-07
Company: EQUIFAX, INC.
State: MD
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 am a natural person and a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the hard inquiries that have been put on my equifax be removed. According to 15 USC 1861, I have the right to privacy and I did not give Equifax written permission to furnish my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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've contacted Transunion twice in regards to 3 inquiries on my credit report that I did not make. I advised that I suspected fraud. They informed me they couldn't do anything and to contact the creditor- XXXX XXXX. I contacted XXXX XXXX and was informed they could not do anything either.

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 2021-09-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$15000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.

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 2020-09-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.

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 2020-07-18
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: Reporting company used your report improperly

Complaint:
ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. XXXX, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXXXXXX XXXX XXXX XXXX  amount {$2800.00} - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported the unauthorized charges to Macy 's customer service and Macy 's fraud department in XXXX, Ohio. There has been more than one report. I contacted Macy 's on XX/XX/XXXX at the XXXX Ohio Corporate Headquarters. They are aware of the problem, I am owed a refund for money received by Macy 's in connection with the unauthorized charges, approximately XXXX  not including the penalties and interest which have accrued since my most recent demand for payment which was made by certified mail inXX/XX/XXXX. I was stalked to shop. A police report has been filed. 

A report has been made to the FTC. 

The penalties and interest increase the award by 100 times which equals.XXXX. 

On XX/XX/XXXX Macy 's claims to have escalated the issue. My banker and the police detective have been given the status.

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 2021-04-30
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CREDIT REPORT AND SAW THAT A COMPANY NAMED JEFFERSON CAPITAL SYSTEMS SAYS I OWE XXXX. I HAVE NEVER HAD A XXXX CARD. I AM ASKING THAT THEY REMOVE IT FROM MY FILE. THE ADDRESS THEY HAVE ON FILE IS NOT MY ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, 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:
Since XXXXXXXX XXXX XXXX this account with XXXX XXXX XXXX XXXX XXXX XXXX has been paid off. I was charged additional interest because they were having system upgrades that went haywire. No reporting to the credit bureau, no answers, deceptive answers and lies about reporting. I monitor my credit closely and this is awful and it is hurting my credit utilization. I did my part, paid the bill, they should report accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit file with Experian has been locked for over two years, yet this morning I received notice that my credit file has been released to three different financial firms ( banks ) in the past 24 hours. I have spent hours trying to contact Experian to advise them that these inquiries are not authorized but there is absolutely NO way to speak to a live person at Experian. I have tried for hours to file a notice on line that my credit lock has been violated but there is no way to do that on line or by phone with Experian. There are plenty of ways to sell Experian products on line but it is impossible to reach them about their releasing my credit files when they are locked. Just for information, XXXX  is the service that notified me about the Experian breach. I could reach a live person in about 5 minutes. They said I must reach Experian to stop this access, but it is impossible to do so.

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 2020-12-04
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Key bank locked my card and said washington unemployment locked it and that washington unemployment is the only one that can unlock it. Washington unemployment says they have nothing to do with the locking or unlocking of card and can't help me in this manner and keybank says that I can't do anything about it and that they need to hear from Washington state to clarify who I am and neither will help me in this manner and be wise of that I'm going to lose my house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Public record information inaccurate

Complaint:
THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 called Transunion a few weeks ago and tried to get unauthorized inquiries removed from my credit report and the customer serviced agent was not very helpful at all. There are a total of 17.

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 2021-06-28
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: Public record information inaccurate

Complaint:
I've recently reached out via certified mail to XXXX Equifax and XXXX about providing validation for an U.S Bankruptcy XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I deposited into the Wells Fargo ATM two checks. One was for the amount of {$16.00} and the other for {$260.00}. I inserted them both together and only the {$16.00} was credited to the checking account. I went inside to notify a teller of the mishap, she then gave me a number ( XXXX ) to make a claim for the error. When I returned home I called the said number. I spoke with a XXXX who said that she would put in a research claim and that they would contact me of their findings. I received a letter dated XX/XX/23 saying they're issuing a conditional credit while they research the matter. I saw the {$260.00} my my checking account so I didn't think anymore about it. I received another letter on XX/XX/23 stating that the money would then be taken from my account if I didn't get back with them by XX/XX/23. I had been trying to get a hold of the issuer of the check via phone and email but they weren't responding back to me. When doing my bank statement I noticed the {$260.00} was then deducted from my account. I contacted the claims department on XX/XX/23 and spoke with an XXXX and he didn't have a legitimate answer as to where the check went. How does it just disappear into thin air?

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 2021-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since last year XX/XX/2020 I have been requesting Equifax to correct my information on my report but I have not received any response from this company. On XX/XX/XXXX I finally got a live rep who answered the call from XXXX, rep named XXXX. He was extremely unprofessional, very rude and asking me to send my pictuires and credit card info to him, initially he stated his name as XXXX, and then when I asked him to transfer the call to his supervisor, he hang up. Such a horrible, unethical, bad service! 

I was recently notified by a car dealership that they pulled my credit and alerted me of some info which I didn't agree and had no knowledge. So I called Equifax and this rep in XXXX refused to send me a Free Credit report. Instead he was asking me to send my pictures and credit card. I am just extremely shocked at the level of this service and unable to get anything done for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
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. My request for the correction and removal of the inaccurate information about my inquiry has not been given any attention by Equifax Credit Bureau. Sending them a Complaint dated XX/XX/XXXX and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. Here is the list of the following Inquiry that needs to remove Completed from my Credit Report. 
XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer has communicated to RBC and asked this company for validation of debt with no response consumer has sent request on the date of XX/XX/2020. with a

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
This is my 3rd 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 XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
XX/XX/2021 XXXXXXXX XXXX  in accordance with the law fair credit reporting act your company has violated my right 15 usc 1681 stated. i have the rigth 15 usc 1681 section 604 A it also stated a consumer reporting agency without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Personal information incorrect

Complaint:
After reviewing my credit report I noticed numerous names and address that don't belong to me and after trying to correct this issue the credit bureaus haven't resolved this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have filed a dispute with Experian, XXXX and XXXX. I am unable to review my transunion report on XXXX XXXX XXXX I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a charge with Discover card which Discover card kept repeating charge a $ XXXX fees every month even it is not 30 days grace period billing cycle just like other credit cards that I have plus very high interest rate that i requested them to reduce but they denied. Discover Card has been abused my credit profile and trying to make money on me by keep adding late fees even they had called me on the phone and agreed and accepted the last payment {$200.00} even the balance around {$400.00} and they did not keep the agreement not to charge me the late fees meanwhile after the payment discover charged again late fees {$40.00} which they have been abused to make money on me and they had challenged me to get help from FTC or anyone else.

Company response to consumer: Closed with explanation