BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Attention : XXXX XXXX Department Dear Sir or Madam, RE : Investigation into Fraudulent Accounts I am writing to bring your attention to a matter of both serious concern and urgency. It has recently come to my notice that two accounts have been fraudulently opened with XXXX XXXX XXXX, using my personal information without my knowledge or consent. This outrageous act of identity theft is not only a violation of my rights, but it also tarnishes my excellent credit history. 

Under accounts, which I neither authorized nor recognize, transactions have been taking place that are negatively impacting my credit scores with the major credit bureaus. I categorically deny owning these accounts and emphatically state that they are the nefarious work of an identity thief. 
Pursuant to 605B of the Fair Credit Reporting Act ( FCRA ), I demand that you immediately block these fraudulent accounts from my credit file. I am appending a copy of a police report that substantiates my claim of identity theft, furnishing the legal requirement per the FCRA.

Further, I request an expedited investigation into this matter and expect prompt deletion of these fraudulent accounts on your part. The unauthorized accounts should be removed from all credit reporting agencies, including but not limited to XXXX, Experian, and XXXX. 

Failure to act promptly and dutifully to this request will leave me no choice but to take the necessary legal action to protect my rights. I am ready and willing to cooperate and provide any additional information you may need during your investigation. 

I anticipate a swift resolution to this situation, reinstatement of the truth, and restoration of my credit standing. 

Thank you for your immediate attention to this matter. 

Yours Sincerely, XXXX XXXX Attachments : Copy of Police Report

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 2023-09-26
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:
The following companies are reporting accounts on my credit that I have not authorize or have knowledge about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The following companies have illegally accessed my credit report resulting in a hard inquiry XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX I am requesting under the consumer fair credit reporting act that all of these to be removed from my XXXX, XXXX and Equifax accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: CITIBANK, N.A.
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 been receiving credit card at home I didnt apply for, I been calling all of the lender to cancel. but some of them not answering my calls

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 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist Bank is refusing to refund any numerous overdraft fees posted to my account due to their lack of discretion on overdraft protection and my refusal to participate in this program in accordance with FDIC regulation. Truist Bank has disclosed to me that they avoid federal regulation by authorizing all transactions and choosing to charge fees on recurring and ACH transactions after the one time purchases and withdrawal amounts have cleared. Truist Bank willing practices harmful, dishonest, and predatory banking.

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 2023-10-01
Company: Block, Inc.
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought a perfume from XXXX and returned it in store the next day because I didnt like it. XXXX was supposed to refund me the {$16.00} I had already paid when I bought the perfume. I got my refund from XXXX and reported the return to afterpay. I heard nothing about it from XXXX so it slipped my mind until today when they suddenly charged me {$16.00} twice, so {$32.00} in total. I had returned the perfume weeks prior to this so Im not sure why they charged me two times for something I dont even have in my possession anymore. Also the order itself on the XXXX app says that payments for the perfume are paused until XX/XX/XXXX because I made the return which makes XXXX sense because again, they took the {$32.00} from me TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
-Imade some lump-sum payments ahead of repayment restarting. on XXXX of the loans I paid in full, Mohela website shows that nearly XXXX XXXXXXXX of my autodebited payment amount will be directed toward this ( paid-off ) loan -my minimum monthly payment shows XXXX different amounts, depending on where on the site I look -XXXX ago, I set up my autodebit to an amount greater than my minimum monthly payment. Today I received a backdated letter showing my monthly XXXX amount - at the XXXX payment, not at the amount I designated XXXX has not responded to any requests for information, and it's impossible to get anyone on the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX : {$430.00} ; XXXX XXXX XXXX Balance {$770.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My PSLF counts were not updated for XXXX. It is now XXXX. My eligible payment count is still at XXXX, it should be XXXX and include XXXX. Many people on online forums have had their counts updated to include XXXX so I know the counts are able to be changed, MOHELA seems to be discriminating against me for some reason. Just like MOHELA wants me to pay my bill on time, I want my counts updated on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MI
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MN
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: Other problem getting your report or credit score

Complaint:
Only XXXX reporting all accounts. Equifax not reporting correctly. Almost 40 points difference from other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I'm trying to apply for medical emergency loan for a close family member from my credit union however when they try to pull my Equifax report they are getting that there is a freeze on my report. However I've called Equifax numerous times and was told each time there is no freeze or extended fraud alert. I was even told by Equifax to fax a copy of my driver 's license and social security card to resolve the issue. This has been going on for approximately a month and I keep getting the run around. This is what is reporting on my Equifax Report : Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXXXXXX XXXX Credit File Status : Fraud Victim ( associated with trade ) File Blocked For Promotional Purposes. 
No one at Equifax can give me an explanation of what this means. The representative at my credit union is stating that on her end is showing as a block/credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
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: Was not notified of investigation status or results

Complaint:
Equifax never sent me my investigation results on a dispute I had made on XX/XX/2023 regarding a charge off from XXXX. Throughout these months Ive been calling to get the investigation results mailed to me and an agent says that they will mail it but I still have yet to receive it. Equifax was supposed to send the investigation results 5 days after the completion of the investigation which was on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage Company applied our XX/XX/XXXX mortgage payment to escrow. In the XX/XX/XXXX mortgage statement dated XXXX/XXXX/XXXX, Nationstar charged us a late fee of {$110.00}. I called them on XXXX/XXXX/XXXX to notify them that my XX/XX/XXXX payment is not late. Nationstar representative researched and found that my payment was applied to escrow and she said she will correct the mistake and also stated it will reverse the late fee. However, Nationstar reported my account as 30 days late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: HI
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: KEYCORP
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good Morning, First, none of the answer choices match the issue I am having. I'll provide as much information here as possible. XXXX ( Key Bank ) has been calling my mobile almost every day for the past several YEARS. Years ago, I explained that I am not the person they are looking for. I've asked to speak to a supervisor. The calls do not stop. I do have the number blocked, but get voice a message cluttering up my voicemail every single day! 

Somebody, somewhere has my phone number attached to their account. I have received calls daily from them for weeks on end. Every now and then it stops for a week or XXXX and then it starts back up again. 

My best guess is this is a collections attempt. As long as whoever it is pays their bills, the calls let up but only for a short period when the payment is due again. 

I would greatly appreciate if there is there anything you can do to make these people stop calling me. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NJ
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief