BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$38000.00} ; U S DEPT OF EDXXXXXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE AND I WOULD LIKE THOSE DEROGATORY ACCOUNTS TO BE REMOVED IMMEDIATELY. THOSE ACCOUNTS HAVE TARNISHED MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT OR APPLY FOR A LOAN. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE AND I WANT THOSE ACCOUNTS TO BE PURGED OFF MY CREDIT.

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 2016-02-24
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
In the monthly statement that I recieve from US BANK, I noticed that my APR had spiked up dramatically and without warning. I was caught off guard and at a bad time for me. I recently had to go on dsability on my work and this was really bad for me. This was very inconsiderate on behalf of US BANK. I have used their card for a variety of different purchases and this card was my go-to card for almost everything. I have stopped using this card and will not use it anymore unless my APR is returned to normal. Please look into this matter for me. I have never missed any payments and I have always been very responsible with this card and would love to be able to continue using it. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Final request to remove all unauthorized inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.Please remove the following unauthorized inquires which I listed in Identity theft. 


I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from a company called RPM ( Receivables Performance Management ) for several weeks, claiming about a debt I own. I think they are either scammers or someone has given my personal information to them. I am an customer of XXXX insurance which was subject to a recent hack and data leak. 
They either call and hang up or leave messages. Most calls are on the weekends in the evening or early morning. The XXXX time I was able to talk to a representative they were unable to tell me what creditor or company was seeking payment from me. I hung up. I 've already checked my credit report and have no accounts in collection nor have I been turned over to collection by any of my creditor. I 've block the XXXX numbers they have tried to reach me at, but I still get voice-mail messages

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out my minor child have a credit with this company and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Was not notified of investigation status or results

Complaint:
Several letters sent out and company contacted on XX/XX/XXXX. For the inquires shown on my report. XXXX XXXX XXXX PA XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: NM
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:
On XX/XX/2019 I submitted a dispute letter with in account with XXXX XXXX but it came back verified. The reason of my dispute is to challenge this erroneous outcome by demanding under section 611 of the FCRA for them to provide me with the method of verification or deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I had a mortgage loan with US Bank. We never paid the loan late. We paid the loan off on XXXX XXXX, 2016. However, the lien on our house has never been released. We have contacted the bank " a lot ''. The bankers are very nice. We have letters saying they are releasing the lien. However, XXXX XXXX we live in, XXXX XXXX, Colorado says the lien has not been released. We are concerned that if we just let this go the lien release will not be completed and we will have more problems in the future.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my Transunion, XXXX, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi I received a credit card I never applied for with Citibank. The card was also made to my name and an additional card was sent with with same number to another name. I do not know this person at all. The credit card was also sent to an address I do not live at. It was sent to where my parents live. I tried to talk to Citibank regarding this and they were if no help. They would not do anything unless I gave them my social security number which I would not do. I did not apply fir this card at all. I do not want this card. I am very worried as again 2 cards were sent to me one in my name and one to another person to same address with same credit card number. Please see attached documents. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I called Experian about the credit reporting information and my score not going up although my score has went up on XXXX and XXXX. They are still showing accounts that should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with NCA ( National Credit Adjusters ) and XXXX XXXX. They have failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXXL - Balance {$0.00} XXXX Opened XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened XXXX XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting on Equifax a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Equifax but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and need to update from reporting : XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, XXXX  and Transunion with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, however they continue to erroneously report this item on my credit report. My complaint against XXXX XXXX and Transunion is that although being noticed under Section 609 FCRA, Collectively XXXX XXXX and Transunion are not requiring as part of their investigation XXXX XXXX XXXX XXXX or XXXX XXXX XXXX  to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.

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 2020-06-09
Company: M&T BANK CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking account with M & T Bank and have been unable to obtain an online account. I was not supplied the proper information in order to open my online account and I called twice and no one know how to direct my call or rectify the situation. 

I have since tried to close my account and have called 3x and was told I need to get the balance to zero. Once I was able to get the account to zero, they said the charges are pending and now there will be a service fee while I wait for my account to get to zero. I am being charged for an account I have not had full access to or been able to use. Customer service has not been able to help me. I would not have incurred these fees had the account opening been properly managed and there had not been unreasonable requirements to close it. I do not know how many fees I paid since I do not have access to my account. 

I would like my checking account closed immediately and all funds reimbursed via check for all fees paid to date. I do not believe I should have to pay an account closure fee or future fees because the account was never fully opened and functional for 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 monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2022, I paid my XXXX car payments that were late. On XX/XX/2022 there was a notification on my TransUnion Credit Report that my balance decreased by {$640.00}. Then on XX/XX/XXXX I recieved a notification that my credit score decreased and that my car loan increased {$640.00}. That is not true or correct at all, I disputed it with TransUnion at first and they said the information reported was correct- it is not. I have bank statements and my loan balance to prove so. I then called my credit union ( XXXX XXXXXXXX XXXX XXXX XXXX Ohio ) who I loan through, they said they had no control over it and they report the info on the first of every month. If that was reported correctly it would show my balance was decreased and paid, I paid the balance on XX/XX/2022. Now my credit score continues to fall behind due to their negligence. I filed another dispute and still nothing.

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 2015-08-12
Company: DISCOVER BANK
State: MS
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a Discover holder from XX/XX/XXXX to XX/XX/XXXX. For those XXXX years, I was never delinquent with or missed a payment. Today, XX/XX/XXXX, I am trying to increase my credit score, so I 'm investigating my credit with the XXXX major credit companies, XXXX, XXXX, and XXXX. On all XXXX of my credit reports, Discover is still reported as open, which means my line of credit is larger than what it is and that line of credit has been dormant for over three years. Based on the recommendation of the credit bureau, I called Discover to either reissue a card or report the account as closed. Using my social security number, they can not pull up any information on me. They claim that they retain users history for seven years, but can not do anything to help because there is no account information related to my social security number. Not only will they refuse to report that there is no account information associated with me to the credit bureau, but they were extremely rude and disrespectful on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: HireRight Solutions, Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My previous employer, XXXX XXXX XXXX reported XXXX XXXX XXXX driving records on me, both were incorrect. I filed a claim ( s ) with the reporting agency, Hireright disputing the accuracy and true facts as I know them to be. Hireright just sent me XXXX letter 's stating the report will stay the same, coming from XXXX XXXX. Hireright has said I can submit a rebuttle of up to XXXX words, but the record will stay on my file. How can the record stay on my file when the record XXXX XXXX reported is absolutely wrong? When I submitted to Hireright for an investigation of the record, I asked then to listen to the recorded conversation of my explanation of each incident and the is all the evidence needed to prove I 'am correct and that XXXX recorded be corrected.

Company response to consumer: Closed with explanation