BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: TX
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:
Someone applied for credit with XXXX XXXX bank / XXXX on XX/XX/23. I created a dispute with the credit reporting company Equifax on the same day. They send me a report stating the dispute was complete and the hard inquiry would stay since it was done even after I told them it was fraud and I had not pulled any credit. The reason this is so important to me and that it gets removed is because I am currently under XXXX XXXX XXXX  and should not pull credit or they courts may dismiss my filing before I complete it. Now Equifax is telling me I need to provide them a report and copies of my drivers license and copy of my ss card so they can review further. I don't understand why I have to do this if I already told them since I am under bankruptcy I shouldn't apply for any credit. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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: Investigation took more than 30 days

Complaint:
Equifax is not reporting my car loan through XXXX XXXX I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-02-04
Company: EQUIFAX, INC.
State: MO
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:
As a follow-up to my earlier CFPB complaint asking that some of the disputed accounts reporting inaccurate information on my credit file be corrected, I am submitting this complaint. I have the right, in accordance with the Fair Credit Reporting Act 's provisions, to seek an examination into my credit file at no cost and to have any erroneous or deceptive information removed from it. Please fix the following accounts, or better still, erase them : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}. You've been telling me that these accounts are true, but you've never sent me any proof to back up your assertions. I expect that these accounts will be instantly rectified as soon as feasible without such crucial papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSWORLD SYSTEMS INC
State: MT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I went to a Mortgage Broker to see if I could get approved to by a house. I noticed that my loan from University Accounting Services was not listed. I called and asked why is was not on my credit report. Both time I tried calling I was told they can not speak to me about my account and to contact XXXX, who is the lender. The second time I called I asked for the contact information so I could call them and they kept repeating " I have no information to give you. '' I have tried looking up XXXX online to find their contact information and I cant seem to find anything. 
On my statement for this loan, the only contact info given is for UAS. At this point, I have no one to talk to about this account. Why would I continue to pay on a loan when I cant contact the lender. I 'm concerned about the handling of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical bill is on my credit report from Wakefield in 2017 in the amount of {$900.00} that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone opened a credit card under my identity. I never opened a card until XX/XX/XXXX. They opened it on XX/XX/XXXX and seems to me that they have been doing monthly payments for about 6 months. Just trying to get rid of this payment history that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
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: 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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, all have 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 explanation
Consumer complaint received 2019-08-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ Equifaxs breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
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 lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MI
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:
Unauthorized inquiries. I have several credit inquiries that I did not authorize or do myself I would like those on authorize inquiries, removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 These hard inquiries were not authorized by me and I would like to remove my credit report. Can you please remove them and send me an updated report within 30 days thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: WELLS FARGO & COMPANY
State: MS
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 paid the amount of {$2000.00} to my Wells Fargo XXXX Credit Card when I paid my credit card as of today 's date they have not credited my account and refuse to assist me in locating the payment. The money orders was mailed to them and also cashed but as of today 's date they have refused to credit my credit card for the money in the amount of {$2000.00} I would call and they would not and refuse to assist me with this matter and told me to take it up with XXXX XXXX I contacted XXXX XXXX and they confirmed that the company had cashed the money orders but as of today 's date I have been waiting for a credit to my account and they have constantly refused to credit my 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 2020-02-14
Company: Checkr, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am writing about Checkr background check services which has provided multiple reports to employers against contract. It is a breach of contract for them to apply any part of my criminal history that is over 10 years old. They placed items that are from 2005 and earlier on my report. They have fixed this issue one time in the past but this is the third time they have done this to me. Because they have done this my employers have changed their opinion of me for a record that happened when i was a teenager. This is not right and a breach of contract. They need to permanently fix their policies regarding this matter especially considering im about to have my background check ran again for a XXXX XXXX position next week. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for Experian Free monitoring. They won't cancel my account. I signed up online, but they do not allow me to cancel online. I am forced to call. On XX/XX/2020, I called and had a long hold time. They refused to cancel because they claim a system update. They told me I need to keep calling them until they decide they are able to cancel my account. I contacted a supervisor named XXXX who hung up on me.

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 2023-02-08
Company: AMERICAN ARMED FORCES MUTUAL AID ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am an XXXX XXXXXXXX XXXXXXXX Veteran an believe that I am been unfairly treated with regards to the approval loan process with the American Armed Forces Mutual Aid Association Mortgage services , specifically , with the underwriting department. I have have every requirement and submitted all the required documents only to have AAFMAA keep requiring additional irrelevant documents to delay this process based on my XXXX in my opinion. I applied for a {$25000.00} HELOC to pay or a replacement roof on/about XX/XX/XXXX and have submitted more than 30 documents and photos and have a credit score over XXXX, my house is valued at more than {$540000.00} and I owed approximately {$360000.00}. Because I am in a XXXX  XXXX bankruptcy since XX/XX/XXXX, my application was approved on a conditional basis. I have met all of those conditions. But I am still being give the proverbial " runaround ''. 

As an XXXX XXXX veteran, who has served our great nation for more than 23 years, I would greatly appreciate if someone would investigate my complaint or recommend the appropriate agency to handle my complaint. 

Regards, XXXX XXXX XXXX XXXX XXXX ( retired ) XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Experian Information Solutions 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:
On XX/XX/2018 I sent Experian certified mail to remove Dispute Comments on two ( 2 ) accounts. As of today the disputed comments are still showing on my Experian credit report. I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts listed below with immediate effect. The accounts are no longer in dispute. XXXX XXXX, account XXXX. XXXX and XXXX XXXX XXXX, account 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 2017-11-06
Company: Midwest Acceptance Corp.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This account was opened in XXXX, the company Midwest Acceptance Reported the incorrect amount on my credit report and I fought this and the credit reporting agencies have removed this from my credit. Midwest Acceptance continues to do a hard inquiry on all the three credit bureaus without permission. Currently they have made inquiry as of XXXX XXXX, XXXX and XXXX XXXX, XXXX. I contacted Midwest Acceptance at XXXX XXXX on XXXX XXXX, XXXX and spoke with a XXXX man who was very rude on the phone, I explained about the inquiry and asked why they are checking my credit. He explained, I still have an open account with them. I have nothing listed on my credit from this company as a open, closed, charge off, or any other kind of reporting. I need this company to stop any access to my credit in any way shape or form. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: GA
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF ED/XXXX/XXXX Company Inquiries : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX/XXXX  appears on my reports and I have requested these fraudulent accounts be removed from my reports as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX/XXXX  - balance is showing as {$1700.00}, account partially listed and a limit of  {$4000.00} ; no account number listed ; no dates not listed,

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 2023-03-01
Company: EdFinancial Services
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:
Hello, I have 2 student loans showing on my credit reports that are NOT mine! I believe they belong to my ex-wife and step son. I have NEVER authorized any loan nor did I ever sign any loan request paperwork. Would you please help me get this off of all 3 credit reporting agencies? Thank-You very much, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
ALSO CANT PUT IN A REINVESTIGATION ONLINE INTENTIONALLY BLOCKING ME FROM REINVESTIGATING ALL MY ACCOUNTS ON FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
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: Information belongs to someone else

Complaint:
I found fraudulent accounts on my credit report I was applied for a credit and I found some one used my personal information and open credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Yes I recently noticed missing money from a cash app card. Their was no record of the missing money and nothing showed on transactions. The amount available was just missing the funds. I went back and started adding up transactions and found more money missing. I contacted cash app support and through E-mail only was able to find out after several E-Mails on their end they said account showed a business account and had been converted. On my app it showed personal. They stated a additional 3 % per transaction was taken for a business account. I ask for any information on how or when this took place and no information was or could be provided. They simply said it was converted back to personal. I explained I didnt convert it and ask for mire information again on how or when this could have happened and a record of how much was taken. They stated no information could be provided. I ask to speak with someone and was ignored. Their is nothing on app or online showing anything about any of 3 % taken from the account. It was just missing from available funds. They wont answer any questions and will not refund any missing funds .. To me not showing money taken or not being able to get any information on when a account was converted or even a record of deductions is a very fraudulent thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I began the complaints on XX/XX/2020 at my local branch- Regarding the closure of 3 accounts ( 2 personal checking and 1 business checking ) -- -- -- -there has been a " protracted and unexplained '' hold & release of funds for weeks- beyond 5 days originally promised- Have repeatedly requested 1 ) Final Statements 2 ) list of interim transactions 3 ) 3 cheques made out to me ( 3 active balances ) -- -- -- -- ZERO response from branch or the respective Regional managers- Bank is SUN TRUST LLC ( XXXX  ga ) I am at a Florida Branch -

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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