BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
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: Account information incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: KY
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:
My Equifax report was mixed with someone else. There are multiple versions of their name showing up on my credit report. Additionally, there was an auto loan that I disputed. I have never used the name showing on my credit report, nor is it me. I disputed and they removed it from my current report, but now it is on all previous reports & may show as an alias.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: FL
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:
Its been over 30 days and still no response from Equifax, XXXX, or XXXX. 
I've seen the letters on the XX/XX/2023. for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been discriminated against by third-party reporting agencies, which has led me to be unable to lease a home, purchase a vehicle, and not being able to get jobs since 2015 due to the negative reporting on my credit due to fraud and I have tried several times to get these negative items removed and they have not provided any original agreements signed by both parties but till continue to report negatively on the credit summary. there are also agencies that are reporting the same account as duplicates and the address and number are not correct along with the incorrect spelling of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: BARCLAYS BANK DELAWARE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXXXXXX used to bank with XXXX until they made a bank change to Barclays back in XXXX of XXXX. At the time, I was not aware of the change nor did I receive a new credit card with the correct bank. I used to have auto payments set up and because of the switch, it wasnt transferred over. I couldnt make an account with Barclays without a new credit card that supposedly I received and the lady over the phone stated she could not give me my card number that she had to issue me a new one. I said ok and paid {$50.00} over the phone on XX/XX/XXXX. The lady stated it processed and went through just fine. XXXX  days later the payment was returned even though I paid with a DEBIT card and my account was reported LATE making my credit score drastically drop.

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 2023-07-28
Company: Affirm Holdings, Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Late payment was reported 30 days late Greetings credit reporting agencies, I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 
Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: FISERV INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I am a candidat from an employer company that delivery deposit for employement> I would like to looking at some occur expense to take into my account. This charge is frequently and not dispose the time automatically for charge out. Then, I suppose too not from my expense of statut ( XXXX ). 

I m stunned because a high amount was take out. And wish to address this subject. Because don't be sure to active this amount to out. 

Appreciate it 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 explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: FL
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:
XXXX, Equifax, XXXX are all knowingly report accounts on my consumer credit report without full compliance of the FCRA. 

Multiple accounts reports as verified but still reports accounts is inconsistent with all of the major three credit reporting agencies. Incomplete name and address currently being reported.

Unverified and inaccurate balance and past due amount.

Collection accounts that has not been verified through methods of authentication as required by federal law. 

Old accounts and or reinstated accounts which has not been notified five business days prior as required by federal law Misleading information being reported to damage consumer Credit. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX misleading account name and address on all three major credit reporting agencies including XXXX Equifax and 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 creditors name and address. Violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: CITIBANK, N.A.
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:
I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. Citi Bank XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4XXXX 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 explanation
Consumer complaint received 2023-07-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

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 2023-07-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Just received a bill from city cards for {$260.00} on a card that I have never owned. I dont even have a city card other than a Costco card which shows a XXXX  balance.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Experian and asked them to remove all addresses that I do not live at and have never lived at and they wouldn't do it.

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 2023-04-06
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was targetted by XXXX XXXX and the XXXX  employees at the XXXX XXXX XXXX wells fargo branches on XXXX XXXX and XXXX XXXX. My checking account after it had been just opened on XX/XX/XXXX was closed on XX/XX/XXXX. My original account which I had opened in XXXX was in positive nothing wrong with it until when I couldn't log into my online banking. Wells fargo was letting XXXX XXXX get away with messing with my checking account and private business. But all these people tell me that wells fargo has a right to close your account. Well I had my first account open a year and they didn't exericise their right to close it, until XXXX XXXX targetted me. She was not in the bank exept on the last day when my new account was open on XX/XX/XXXX, this was a set up by the bank employees, to have me drive back and forth constantly. The police showed up and they looked confused at me that I wasn't bothering XXXX XXXX. But wells fargo still violated my civil rights by siding with XXXX XXXX and wrongfully closed my checking account. This is harassing me calling the police messing in my checking account and making me drive to the bank. While the whole time they were going to close my new account anyways. Now wells fargo refuses to do anything to XXXX XXXX and the wrong she did to me by falsely accusing me of harassing her. Wells fargo is responsible for her actions.

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 2023-11-14
Company: EQUIFAX, INC.
State: NE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Wakefield and Associates repeatedly calls my number for XXXX XXXX. I do not owe any debts and have asked them 5 different times to stop calling my number to no avail. This harassment needs to cease and desist immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
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:
Unauthorized inquiries on my consumer reports : 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

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
So I sent a letter of on XX/XX/2022. To remove XXXX XXXX information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people. 
These are clear Violations of my Federally Protected Consumer Rights.

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 2023-01-03
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Aidvantage notified my doctoral program at XXXX University that I had received too much financial aid in my XXXX XXXX XXXX ( 11 years ago ) and that I needed to complete a reaffirmation agreement. This was completed on XX/XX/22 and submitted to Aidvantage electronically on XX/XX/22, again on XX/XX/22, and XX/XX/22. On XX/XX/22, Aidvantage told XXXX University that this had to be submitted in my portal in order to receive a confirmation letter. I submitted this on XX/XX/22, and was told in a written document that it would be responded to in 5 business days. I have not received a response from them even though I have sent another email to them on XX/XX/22. I now need to delay my start date for spring term because I can not get additional financial aid until XXXX University receives the confirmation letter from Aidvantage on my reaffirmation agreement. I need assistance in receiving this confirmation letter so I can receive additional financial aid and register for classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CO
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 HAVE CONTACTED EXPERIAN AND XXXX IN REGARDS TO THE FRAUD. 

I HAVE ASKED EXPERIAN TO PROVIDE ME WITH INFORMATION ABOUT THE ACCOUNT AND THE METHODS USED TO VERIFY THE SAID ACCOUNT. EXPERIAN HAS BEEN PROVIDED VALID POLICE AND FTC AND ID THEFT AFFIDAVITS. 
EXPERIAN DOES NOT VERIFY THE ACCOUNTS IN ACCORDANCE TO THE FCRA I HAVE REVIEWED MY CREDIT PROFILE AND NOTICED THE INACCURACIES AND/OR INCOMPLETE INFORMATION, AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FCRA SECTION 611 5 A OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 

ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681 EVREY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN NON COMPLIANT INCOMPLETE UNTURE, INCORRECT AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIREITY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETLY DELETED I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH THE PERMAMENT DELETION OF THESE DEGRATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFACTION THAT YOU ARE ADHERING TO THE MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REULATIONS. 

THE FOLLOWING DEGRATORY ACCOUNTS ARE ALLEGATIONS ARE EITHER UNTRUE UNVERIFIED, INCORRECT, UNTIMELY, NOT MINE, NOT MY RESPONSIBLITY OR OTHERWISE NOT PROVEN COMPLIANT TO REGULATORY FEDERAL REPORTING LAWS AND STANDARDS AND MUST BE REMOVE IMMEDIATELY DO SO TODAY EVEN RIGHT NOW THE OBVIOUS INFRACTIONS AS FOLLOWS ALLEGING CREDITOR AS IS REPORTED ON MY CREDIT REPORT IS XXXX ACCOUNT XXXX THIS ACCOUNT IS FRAUD. EXPERIAN HAS BEEN GIVEN FTC REPORTS, POLICE REPORTS, ID THEFT AFFIVADTS AS PART OF FRAUD. 

XXXX XXXX XXXX ACCT XXXX EXPERIAN HAS BEEN GIVEN POLICE REPORTS OF FRAUD AND FTC REPORTS AND ID THEFT AFFIVADTS AS WELL BY THE PROVISIONS OF THE FCRA AND PER THE STANDARDS OF REPORTING COMPLANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX METRO 2 COMPLIANCE REQULATIONS, I DEMAND THAT THESE ABOVE ACCOUNTS MENTIONED DEGRAFATORY ITEMS BE INVESTIGATED AND PREMANTELY REMOVED FROM MY REPORT. 

I AWAIT YOUR REPLY AND WITH THE ABOVE REQUESTED PROOF UPOIN RECEVING IT I WILL CORRESPOND BACK WITH YOU BY CERIFIED MAIL

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 2023-04-06
Company: Frost-Arnett Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill from XXXX Bank XXXX for {$410.00}. I paid this on XX/XX/2023 directly to XXXX Bank XXXX XXXX. I am getting text and phone calls from Frost-Arnett to collect the debt. I told them it was paid. I called XXXX Bank XXXX twice to confirm and they tell me they notified Frost-Arnett XXXX I have spoken with Frost-Arnett 3 times and they are demanding I show them proof I paid. I asked them to call the client and they say they can't. I ask them what they are going to do with a credit card statement I provide them and they tell me they will provide it to the client. I explain they do not need to as it is paid, just call. They just continue to harass with texts and phone calls.

Company response to consumer: Closed with explanation