BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NE
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:
On XXXX/XXXX/XXXX my wife spoke with the manager XXXX XXXX and authorized XXXX XXXX to submit a credit application to XXXX XXXX XXXX XXXX XXXX XXXX on my behalf. She specifically communicated that my credit was not to be shopped around or submitted to multiple banks without either of our authorizations. Further, the authorization given by my wife was only to use XXXX because she was keenly aware that Equifax was still reporting inaccurate information on my report that would result in a denial. 
I have already spoken with the finance manager, XXXX about the unauthorized inquiries and he attempted to make me complacent with the inquiries by telling me their impact will neutralize after 90 days. I do not feel this is fair, being that I did not authorize them to submit my credit to so many institutions. My wife wrote the general manager an email expressing her concerns about the unauthorized inquiries but he did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX has a fraudulent Account and will not remove it from My reprt the account is not mine.

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX resident and a chase bank client. Someone wired a total of $ 32k from a Chase branch in XXXX using a fake ID ( that contained my name and address and incorrect XXXX ID #, expiration date, and photo ) to unknown recipients on XX/XX/21. Ive filled a fraud packet and sent Chase Bank all necessary items to file the claim. Chase has yet to credit or reverse these fraudulent transactions. This was a mistake done by their teller to allow such a transfer. Here is the Claim # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, ALLY FINANCIAL, XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of weeks ago, I saw on my XXXX credit report that a derogatory account had been submitted by Alpine Credit Inc on XX/XX/2020 in the amount of {$370.00}. To date I had not received any communication about a debt being owed either from them or the original creditor. 

Around XX/XX/XXXX, I phoned them and asked that they email me an invoice for the debt as I had received nothing so far. They had my correct address on file, which seemed odd. The person said they " normally didn't do this '' and so it would be a few days. 

On XX/XX/2020 I received an emailed " invoice '' from XXXX XXXX XXXX XXXX for a XXXX XXXX and something I couldn't interpret. Alpine passed this invoice off as XXXX 's. However, I noticed two things - Associates was spelled wrong and my current address was on the invoice. Since I had never seen this bill before nor ever had a XXXX XXXX I was pretty sure this couldn't be correct and was doctored by Alpine. 

On XX/XX/XXXX, I contacted XXXX and they confirmed that the patient had the same first and last name. The birthdate was similar, but not the same as me. They also had my address as in XXXX ( where I've never resided ) at a PO Box . They did NOT have my address. They verified that this was NOT me. 

On the same day, I called Alpine where I was very rudely treated until, of course, they confirmed that my last 4 SSN did not match this person. They said that they would contact XXXX, but I have yet to hear back. 

The reason that I am reporting Alpine Credit , Inc is because they. 
1. Egregiously reported me to the credit reporting agencies even without matching the birthdate, ssn, address, etc. Isn't there minimal matching criteria? I now must spend even more time rectifying this. 

2. Sent me a FAKE invoice, which I believe violates FDCPA ( among probably other laws ). 

3. Even to date ( XX/XX/XXXX ) they have not sent me any communication in writing. I believe within 5 days of receiving my debt they are supposed to notify me in writing? 

I am thankful that I have the time to rectify my credit score. And I certainly appreciate that there is a place where I can file a complaint against places like Alpine Credit that can't even do simple things like match people 's PII before damaging someone's credit and wasting their time. While this may be a " small '' thing I can only imagine how damaging it could be to someone without the time or resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account : XXXX, XXXX XXXX XXXX XXXX account : XXXX, and XXXX account : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account : XXXX, XXXX XXXX XXXX XXXX account : XXXX, and XXXX account : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts on my credit report that I do not recognize or 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 2017-09-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They further exacerbated this risk by waiting over 1 month after discovering the breach before notifying the public. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear sir or madam, I am attempting to close my BBVA checking and savings accounts since they were migrated from Simple, and now evidently they're a part of XXXX. 

I attempted to close my account via their XXXX on Monday, XX/XX/2021, and when the associate answered the phone they told me their systems were down, and they couldn't access my account. 

Today, I looked at my latest statement ( dated XX/XX/XXXX ) which clearly states they are available by phone 24/7 ( see attachment 1 ) An audio recording states that due to COVID they are not open 24/7. COVID has been ongoing for over a year. Why haven't they updated their standard forms? 

I then tried to close my account online, by signing up for online access, and even though I entered all of my information correctly ( see attachment 2 ), I received an error ( see attachment 3 ). 

I would like to close my checking account, which has a XXXX balance, and my savings account, which as of my statement, has a balance of {$50.00}. I would like this issue rectified immediately. 

I didn't ask for my accounts to be migrated from Simple to BBVA, and soon-to-be XXXX. 

BBVA clearly has technology problems. Not only that, they have stated misleading and incorrect statements on customers monthly statements. Clearly they are putting profits ahead of customer service. This is unacceptable. 

I request your office 's help in remedying this issue. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.

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 2017-09-10
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX performed an unauthorized inquiry on my credit on 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 2022-06-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed dispute XXXX I proved the item was returned, retailer did not issue refund as promised. I provided Tracking # and proof of return, and email from retailer confirming refund which Citi ignored and simply refused to honor the return and 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 monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-09-10
Company: EQUIFAX, INC.
State: WA
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:
My personal information was compromised/leaked by Equifax without my consent, putting my financial wellbeing at grave risk. Furthermore, my knowledge of the incident was intentionally delayed by Equifax, putting my financial wellbeing at further risk. I was not aware of the issue until XXXX XXXX XXXX even though the incident took place months prior. I have now placed an initial fraud alert on myself with XXXX, and I will have to manage and monitor this leaked data for the rest of my life, at my own expense and spending my own time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). 

Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Coradius International LLC, on XX/XX/2022. The letter identifies them as a debt collector, and provides three pieces of information : 1. that I owe XXXX ' XXXX 2. An account number that is extremely long and that I have never seen before ( in the last XXXX years ), and nor does XXXX understand the format of the account number and 3. that I owe {$40.00} and they would be happy to take my payment. 

The letter has no website listed, and they are not currently answering the phone number provided on the letter. ( XXXX ) They do cite www.cfpb.cov as a place to understand rights. 

I have also called XXXX and they are not familiar with this agency, nor do they consider any of my XXXX accounts in anything other than a perfect standing. 

Given the shady nature of this message and lack of real information I do not feel its appropriate to add any of my personal information to their 'form ' and mail something back to them. How can I understand if this is real without losing my personal information and being scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, somebody in XXXX  XXXX, TX used my name and social security number to open a utility service with XXXX XXXX XXXX. They then closed the account on XX/XX/2021 without paying the bill. XXXX XXXX XXXX sent this to collections. I just found out about it last month as it's on only my XXXX Credit report. 

XXXX XXXX XXXX needs this report to start the dispute to get this off of my credit report. I have also filed a police report. 

XXXX XXXX XXXX 's phone number is : XXXX. The account number is : 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 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My data may have been compromised as part of the Equifax data breach. I did not find this out through any notification from the company, but from word of mouth and individuals posting a link through which I could check if I had been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation