BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX bank i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Account information incorrect

Complaint:
Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( XXXX, Transunion XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major 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 non-monetary relief
Consumer complaint received 2022-07-06
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: Personal information incorrect

Complaint:
After reviewing my credit report I noticed there are addresses as well as names on my report that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi XXXX XXXX XXXX my Last 4 SSN # is XXXX. I am just trying to make a follow up on the letter that I sent to you on XX/XX/2022, I was expecting to get a response but I havent. I am attaching a copy of the letter that I sent to you last time hoping you would take action and investigate this issues on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection account from XXXX XXXX systems # XXXX. The address stated on the report is XXXX XXXX, XXXX, Texas XXXX. Phone number XXXX. This was for an XXXX charge at XXXX XXXX XXXX XXXX. I Called XXXX XXXX and they stated I do n't owe anything, my balance is {$0.00}. I also called the collection number and spoke to XXXX. She confirmed that I am not the person they are looking for, but wants me to fax her my ID and social security number. Should I Do it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize XXXX company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them suburban ford XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX  XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXXXXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them

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 2020-01-17
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:
As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and XXXX and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, XXXX, and Transunion continues to validate propagated errors throughout XXXXXXXX. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.

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 2017-05-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In 2007 I had an account with Wells Fargo in XXXX Washington. I closed this account but I was still getting statements. I called to inquire but was told " the account was n't my concern, it 's no big deal, we do n't see what the problem is, everyone has these types of accounts, do n't worry about it. '' I did not authorize Wells Fargo to open this account in my name and when I attempted to find out why they 'd done this, I was treated as though I did n't matter. I was " XXXX '' like I was n't supposed to be concerned or upset. Wells Fargo then blocked access by me to any information about accounts in my name. They attempted to assure me that this was all in my imagination. I felt powerless. I 'm XXXX XXXX and they treated me like I was too XXXX to talk to. I did n't realize that I could be part of this settlement, I hope I 'm not too late to be included, but I was terribly mistreated by this huge organization then I was treated as though I was crazy for saying anything about it. Please Help.

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 2020-01-17
Company: Experian Information Solutions 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:
As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. Experian, XXXX, and XXXX continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.

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 2019-03-12
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Purchased a prepaid card for my grandson for XXXX. On XXXX XX/XX/2019 he ( XXXX years old ) attempted to purchase an online game for download. His computer did NOT have enough GB for download. I have been attempting to resolve this issue for 2 months now. They want to deal with my XXXX year old grandson, I am the adult, his account is attached to mines, he gets his money from me transferring funds to him. They can see this in the system. However, 2 months later I still don't have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Company: CITIBANK, N.A.
State: TX
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 am submitting this complaint on the basis of the unresolved matter. Citibanks continued abusive efforts to collect on fraudulent debt continues. I first notified Citibank  in XXXX of XXXX  that I was a victim of identity theft. Citibank allowed numerous loans/ lines of credit and Credit Cards to be applied for and opened online without my consent. I have a fraud alert, which is an extended fraud alert on my credit files for a reason. Citibank ignored this. I have now placed a security freeze on my credit files, as of two days ago Citibank attempted to Hard Inquiry my credit report from XXXX  which is a screenshot I will attach. This was blocked, and unauthorized. I have not applied for any credit with Citibank NA, Nor Citicards. CitiBank confirmed they sent fraudulent cards to XXXX XXXX XXXX XXXX XXXX TX XXXX. This address is not on my credit report, and is listed as fraud. Therefore I never got any cards. Additionally Citibank confirmed they opened fraudulent checking and savings accounts which I never authorized. I never sent my ID to Citibank. I do not and have not authorized Citibank to open any line of credit, installment loan or credit card in my name. These are all fraudulent and unauthorized. The email addresses XXXX, and XXXX were found on the dark web being sold and bought by identity thieves these are fraudulent, not authorized, these have been reported to the authorities. Yet Citibank continues to cause further identity damage, refuses to investigate the crime, has not resolved this matter and continues to break consumer laws.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an 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 explanation
Consumer complaint received 2020-10-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Dear XXXX XXXX or American Express Bluebird : AsAmericanExpress continually closed my requests by refusing to take further action to ascertain that my dispute is valid for my loss of a {$400.00} from a failed ATM machine, I again write to make a final request for further action and fair resolution. If my request is not reconsidered for a fair resolution, my last option regrettably will rely on legal assistance to help myself recover my loss or settle the dispute. Thank you for a reconsideration and look forward to your prompt reply and cooperation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
As of Complaint # XXXX, have it been corrected at XXXX  and closed both at XXXX and XXXX  now both XXXX and Transunion decided to to lower my score 60+ points, because of the same complaint. 
My mistake was only adding one of the three credit reporting agencies.

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 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit file that do not belong to 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 2017-05-31
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me  XXXX  and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: LJ Ross Associates
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX 2017 I was contacted by Lj Ross And Associates about a debt for {$620.00}, that was previously closed by XXXX via a prior CFPB complaint. ( See Case number : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-09-17
Company: Security National Automotive Acceptance
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I held a small 401k account sponsored by the company. I was laid off in XX/XX/2016 and volunteered to transfer the account to an existing account. Their response was a {$200.00} fee on a {$400.00} balance Clearly I considered this to be extremely abusive and let the account stand. On XX/XX/XXXX the employer chose to terminate the account without my permission. I would have no issue but they took a XXXX % fee ( XXXX ) to simply process a check Not sure who made the profit. I assume this practice has been impacted by this practice. The company does have a history with the CFPB who found they were abusing consmers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please reference complaint ID XXXX. 

I do not know why this was closed as it has not been resolved. 

I had a deduction from my checking account on XX/XX/2022 in the amount of {$16.00} for a finance charge for the loan I never took out. 

No where in their resolution document do they address the funds taken from my account. 

Additionally when I first reported the loan in my name that I never signed for, I was told by someone who identified himself as a high level individual within Bank of America he stated that after the notary types in a code that there is no stopping a loan from funding. I asked him why they dont just make a phone call after a scheduled signing to ensure everything went well and then you would never have this issue again. 

This leader within Bank of America stated that they are just too busy with all the loans right now to make a phone call. I was shocked that their initial response was to say they were too busy to correct a major financial issue from reoccurring. I do not see anything related to how this issue will be corrected in their response and closing documents. 

Additionally, after initially reporting the loan that was opened without any signatures to Bank of America and asking them to stop moving forward with anything else regarding the loan until they figured out what went wrong, they proceeded to run my credit report again causing inaccurate data to the credit agencies. Again, like the funding of the loan I did not authorize Bank of America to run my credit report again. 

What has Bank of America done to ensure new loan applications are not opened manually by a bank employee without obtaining authorization from the applicant? Who is this individual that opened this new application manually? 

In their response and closing they simply say they will work on correcting my credit report after I complete a new loan with them. I want this and all other matters resolved before closing this complaint. 

How can a complaint like my initial complaint be closed without resolution of all the issues related to the illegal opening of a loan in my name? Why didnt someone from Bank of America call me prior to closing this complaint and ask of everything was resolved?

A simple check of debits/credits from the HELOC and my bank account would have found this {$16.00} in interest charges. Bank of America has multiple compliance issues relating to my single loan.

Im also asking to escalate my complaint to the next level and if possible to a congressional level.

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 2016-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I have a dispute with a merchant called XXXX in the amount of {$4900.00} that Fifth Third Bank has not removed. I 've ask them to remove this charge repeatedly through numerous letters and chat and I 'm being completely ignored. The charge in question is not mine and they need to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To the lengthy respons  e from Works and Lentz, which failed to address as to why has it taken them almost two years to contact me regarding the debt again ; then having your collector tell me " its your debt, not mine '' ; as much as is my debt, you guys want to collect that money back for your client, right?
Also, why would your collector tell me is not their fault they might not have the correct contact information for me?
Works and Lentz job is to collect money back for the clients they represent and track them down if necessary.
Also, as the Works and Lentz represe  ntative said in their response when first spoken to me back on  XXXX   2015 , I mentioned this debt to be consolidated with the rest of my  XXXX  account if they knew that was not going to be the case why did they not mention anything?   I am still beyond upset at the   way this debt is being handled.
Its alarmning to know companies like Works and Lentz are still in business especially with the reputation they hold in their industry.

Company response to consumer: Closed with explanation