BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have excessive telephone numbers reported on XXXX XXXX XXXX XXXX and unable to login to dispute and " Block because I am XXXX Blocked '' so they can implement systemic discrimination as XXXX XXXX is not allowing me to dispute reporting by blocking XXXX from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " XXXX XXXX XXXX and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am XXXX Blocked. 

Equifax will not let me login or anything because they want to continue to report erroneous information systemically to XXXX-Blocked my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Paramount GR Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Solar panels were installed without a permit. Solar panels have not been in use since installation for XXXX years. Solar panel company provided false information on the progress of our solar installation and had us sign up with Good Leap loan before extension expired. My wife and i were scammed into believing the progress and approval for our solar was going as planned. I have made a report with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX against XXXX XXXX and have proven XXXX or more possible violations of the California Business and Professions Code. 
XXXX XXXX : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 has a Collection on my report does not belong to me. It belongs to a relative with similar name. Ive reached out tot he company with not response. Experian claims the company verified but neglected so submit documentation to me to show that documents they used to verify me. 

Please remove this collection from my report Thanks

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 2023-03-23
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:
In accordance with the fair credit reporting ace XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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: Information belongs to someone else

Complaint:
This is not my account and I do not owe XXXX, XXXX no money. These people are thieves. I dont owe Original Creditor XXXX XXXX XXXX  Any money. I repeatedly asked them to remove it and they cant provide any proof which is illegal. It has been more than 30 days and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: IN
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a XXXX XXXX rewards client with Bank of America. My wife and I had a joint preferred rewards credit card with BofA. on Thursday XX/XX/XXXX, I noticed my credit card was missing from my BofA app and I had no access to it. I have called Bank of America XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and Monday XX/XX/XXXX about the account closure. A few representatives have said the account was closed due to fraud. Different representatives have told me different narratives about the " closure to due fraud '' including : XXXX ) My account had suspected fraudulent transactions and I would be issued a new card. If this is true, I have a legal right to dispute the charges. No one has been able to tell me what these potential charges are. I do not even know what my remaining balance is. 

XXXX ) A different representative told me my account was closed because BofA believed my entire was fraudulent. This seems strange to me given I have had the credit card for years ; it is not a recently opened account. 

I have not received any formal communication or notice from BofA about the account closure, so all I have is what I have gathered from " monitored, recorded '' phone calls with the bank.

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 2023-03-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the credit inquiries listed below. Equifax asked me to resubmit with documentation, which I did via us mail. tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XX/XX/XXXX. The mortgage was through Rocket Mortgage and the monthly mortgage at closing was XXXX. On XX/XX/XXXX {$1100.00} was taken from my escrow account for property taxes. 
On XX/XX/XXXX {$1800.00} was taken from my escrow account for property taxes. Then I received a notice that my month payment would be {$2.00}, XXXX. 
When I questioned Rocket Mortgage they could not give me an answer. I contact my Real Estate Broker, Title Company and the Rocket Mortgage  Representative. 
What my XXXX Estate Broker found out is that Rocket Mortgage made a mistake that should have been revealed at Closing but it was not. Clearly Rocket Mortgage made a mistake and now I am paying for it. 
How can you pay property taxes in XXXX and then again in XXXX plus have your mortgage payment increase by {$500.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
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 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, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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 XXXX on Thursday XX/XX/2023 around XXXX pm spoke with representative XXXX, regarding my concern credit report. XXXX stated that the reports whatever the information is given to them by the agency. I expressed that I have not received any documentation validating theses accounts on my credit profile. For these accounts to reporting on my credit profile are unethical, unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX - MUST BE DELETED XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX -MUST BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX MUST BE DELETED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX MUST BE DELETED Equifax decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: MO
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:
I am disputing the accuracy of the inquiries on my credit report, as I have reason to believe that they are fraudulent. Upon reviewing my credit report, I found several inquiries that I did not open nor have any knowledge of. The following inquiries appear to be fraudulent : XXXX date of inquiry XX/XX/20XXXX XXXX date of inquiry XX/XX/2021. I want to make it clear that I did not authorize these inquiries to be opened, nor did I give anyone else permission to open them on my behalf. It is possible that I am a victim of identity theft, and I am taking appropriate steps to report this to the authorities. I am requesting that you investigate these inquiries as soon as possible and remove them from my credit report. As per the Fair Credit Reporting Act, I expect a thorough and reasonable investigation into these disputes. I have confidence that you will find these inquiries to be fraudulent and therefore, should not be included in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
Consider this as my Follow-up complaint to ensure that these items must be removed : XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX I complained to question the listed items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/23 someone, somehow fraudulently opened an IKEA Projekt Credit Card in my name ( I have never had an IKEA card at any point in time ). I didn't realize this until I was mailed an actual credit card along with a statement to my house on XX/XX/23. I called IKEA to report the fraud and asked that they close the account and report to the 3 credit bureaus. I also called the 3 credit bureaus, placed a freeze as well as opened a dispute with IKEA and the credit bureaus. I also opened a dispute with IdentityTheft.gov and even went to the police station to file a report for identify theft. I went to the post office as well to make sure no one tried to forward my mail. I have excellent credit ( XXXX ) and have never had a late payment or issue in the past. 

On XX/XX/23 I called IKEA back as it appeared from one of the credit agencies that the dispute was closed. I was informed that the account was closed on XX/XX/23 ( though I called on XX/XX/23 to have this closed ) and they said the account was valid so they had also closed the dispute. In speaking with the customer agent and asking them to re-open the dispute I wondered how someone could have opened this account in my name. She mentioned they allow for " virtual cards ''. I then went on the IKEA website and tried to walk through the process of how an account could be opened. Apparently you can pre-qualify for a card with just your mobile #, last 4 digits of an SSN and zip code. This is unbelievable! I told the agent that everyone uses this information to authenticate when you call into any customer service center. So anyone has this and can then go to IKEA.com and open a card. I believe this is what could have happened since there were only charges on that one day ( XX/XX/23 ) and then the physical card was then mailed to my house. I don't believe my SSN was fully compromised as there have been no other fraudulent activity on my credit report, just this IKEA card. This tells me that someone knew how easy it was to open a card with IKEA and it could have been any number of people who authenticate individuals with their phone number, last 4 digits of their SSN and address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX, my personal funds were seized by my bank ( Capital One ) because it was assumed that I fraudulently obtained an EIDL loan. I have submitted all my documents to the bank to assure them of the legitimacy of my loan request and subsequent award. I have received my loan documents with the scheduled payment arrangement and amount from the XXXX and currently repaying my loan. I do not see any reduction in that amount of {$4800.00}, which was the amount taken from my savings and personal checking account over XXXX years ago. This amount was removed, and my accounts closed because they alleged me transferring money from my Sole-proprietorship business account to my personal savings account at the time was fraudulent. The bank alleged that I didn't use the loan money for which it was given to me and made the decision to seize my funds and close my bank accounts.

I received my EIDL loan six months prior in XXXX and I didn't receive any assistance or funding from Capital One. I secured my EIDL loan independently. I applied for and received my EIDL loan in XX/XX/XXXX while working as an XXXX XXXXXXXX as a XXXX XXXX XXXX XXXX XXXX. Those funds coupled with contract payments were deposited in my business account with Capital One. Yes, I periodically move a portion of my business funds to my personal savings account as a XXXX XXXX but that doesn't mean fraudulent intent. That is prudent financial management for a small business owner. 

I disagreed with the banks ' decision and sent my complaint through channels to the Vice-president of consumer affairs however, it was intimated to me that the decision was final, and the monies were sent to the XXXX XXXX for return to the XXXX. I have been in contact with XXXX XXXX XXXX for almost 2 years, inquiring as to whether this can be reversed, and my funds returned to me or if not, when will the funds be applied to the balance owed on my EIDL loan? Nothing has happened as of today, XXXX years later. 

The funds seized were not even from an EIDL, but a personal loan I received from XXXX XXXX in XXXX of XXXX which I have paid off. I am currently repaying my EIDL as agreed. I now want my funds returned to me with interest as I believe should be fair. 

Please contact me either via email or phone as my contact info is as shown below. Your assistance and considerations in this matter is greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I was receiving unemployment during the covid pandemic on a card from KeyBank. My account was hacked and lots of money stolen. On XX/XX/2021 key bank sent me a letter saying that they found suspicious activity on my account and that they would close it and issue me a check for the funds stolen. The total was about {$5000.00}. They claimed they sent a replacement check but I never received it and after years and years of asking for helping and answers I still have not received any replacement check for my stolen funds. Keybank always gives me the run around every time I call and they have also become very rude when answering my questions and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
1st let me say that my payments are 2 months ahead of schedule. The issue is how OneMain Financial applies my unemployment insurance payment, that I purchased through their company to cover me just in case I was unemployed or XXXX.They apply the payment to benefit ONEMAIN If there are payments received over a 30 day period, let 's say 38 days because I may have gone over 40 to file claim for payment. ONEMAIN will apply the 30 days as a payment and the additional 8 days as interest. Each time there is an overage they would take any overages to benefit ONEMAIN not to reduce my principal thereby reducing my daily interest. There is a partial payment made and a full payment both benefiting ONEMAIN not me It is my payment as I purchased tne coverage O should have a say whete the over payment is applied and I SAY APPLY IT TO MY PRINCIPAL SO MY DAILY INTEREST WILL DECREASED NOT TAKE MY PAYMENT and apply to interest

Company response to consumer: Closed with explanation