BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: MD
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:
I purchased a vehicle from XXXX  in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business EIN in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX  will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: MN
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 was told i would get a call back for the XXXX department within 24 to 48 hours the 48 hours ends today at XXXX XXXX when that office closes. i called at XXXX got agent XXXX XXXX then transferred to XXXX in OH who transferred me to a supervisor XXXX  in AZ who sent me to XXXX department XXXX in TN but she stated my anyalist XXXX in the XXXX XXXX SD office , who to find out is not in the office and i told XXXX then to find someone else to handle this. So now i do not know if XXXX is really from the XXXX department like agent XXXX told me she was. i told XXXX i already waited the 24 to 48 hours and i needed the call back today before XXXX. XXXX stated all she can do is send an email and tell me to wait 24 to 48 hours again. i told her no i need the call today like i was told i would get and i am not waiting another 24 to 48 hours. XXXX told me we are not getting anywhere and she hung up on me. this company needs to be shut down, fined and i want compensation for my time, stress and all the false promises this company has done to me, however they had no issues taking my money.

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 2022-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX XXXX  XXXX was back in my report! 
- Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX  to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX-XXXX-17. Do not have the option to pay a pending Promotional Waived Interest Balance without having to call XXXX which takes an hour or more. They should be forced to provide options to pay whatever amount I want to avoid interest waived. It is setup to have them make interest by making it difficult to pay before the promotion ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CITIBANK, N.A.
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:
It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly XXXX  mother of XXXX  kids and it is hindering me from doing a lot for my family.

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 2022-07-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
For 5 years I have been requesring a copy of the signed and dated permissible permission used by Experian and XXXX XXXX XXXX XXXX ( XXXX ) to access my credit report in XX/XX/2017. I require this to use in court of law. HOWEVER, Experian refuses like a " hot potato '' and sends to XXXX who labels requests as duplicates or sends me requests for more of my personal information to do a fraud investigation. WHEN I was just requesting a valid copy of the permissible permission. WHY are Experian and XXXX ignoring and refusing me the valid copy of this permissible permission?????????? If neither have it, just come clean and tell me instead of acting like childish attorneys.

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( XXXX XXXX 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 2021-08-27
Company: LEXISNEXIS
State: MS
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:
XXXX  and XXXX  states that Lexis Nexis has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at lexis nexis who stated that this information was not sent to XXXX  or XXXX  and that this record is not on my lexis nexis file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with XXXX  and XXXX  for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my lexis nexis report from 2019. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then lexis nexis verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted lexis nexis who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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:
I visited XXXX XXXX on XX/XX/XXXX for an opinion on a teeth cleaning service. Unbeknownst to me, a revolving credit line of {$1500.00} was added to my credit report which is now seriously negatively affecting my credit. On my credit report as of today XX/XX/XXXX, it shows it is a credit card which is false. The account manager at XXXX opened the account without my permission in anticipation that I would agree to have the dental procedure completed. I have premium insurance as I am a XXXX. I was under the impression the services were covered with my insurance ; however, recently I ordered my credit report only to realize I have a revolving trade-line of credit from XXXX XXXX. I contacted Experian online and through the telephone to submit a dispute ; unfortunately, to no avail.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13
Company: Experian Information Solutions Inc.
State: AR
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:
Someone used my social security number to apply for so many things and it gave me so many hard inquiries I have around 30 hard inquirys that need to be removed that I did not do because I did not have any credit at the time so I didnt even apply for anything because Im only XXXX but now that I got credit those inquirys are affecting my credit score now that I have built my credit that I worked so hard to do! Here are the credit inquirys that I would like removed. Someone tried to apply for cars, credit cards all types of things I dont even recognize none of these companies but after you guys remove these I will be doing a credit freeze on my report! Please help me the best way you guys can! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-08
Company: EQUIFAX, INC.
State: MN
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 personal information and allowed their systems to be compromised, resulting in my personal information to be stolen by malignant actors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 personal information was compromised in the Equifax breech. I am placing a 90-day credit alert, but am concerned about potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 information, which puts me and hundreds of thousands of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution. 

Furthermore, there have been reports of insider trading ( XXXX XXXX XXXX ) by Equifax executives . I would like them prosecuted to the fullest extent that the law provides and their ill-gotten gains to be seized and redistributed for the benefit of national consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
credit card XXXX XXXX pinnacle financial partners refuses to apply any over payment to principle amount after overpayment of regular payment has been made on this credit card. bank has sent me e-mails that any payment made must be split out to pay interest first and not applied to principle to principle directly. No matter how much overpayment is made. 

Pinnacle XXXX also did the same thing to me on XXXX XXXX XXXX No matter what the bank refuses to apply payments directly to principle. 
Both of these above accounts are compounded interest daily and it is against the law to not let me give additional money to reduce principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: Account status incorrect

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX XXXX XXXX, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,

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 2022-02-11
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 NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX XXXX XXXX, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian this is your final notice to DELETE those charge offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my consumer reports!! 

You have been holding this account more than 30 days. This accounts charge offs been under dispute since the beginning of XXXX. I have circled the date of the disputed XXXX XXXX. As of today XXXX XXXX you are still reporting this account on my consumer reports. Until XXXX XXXX. I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!!

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED.

15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH

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 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Ive had Bank of America XXXX XXXX credit card. Ive been a loyal customer for over 8 years. This past year my Credit card was hacked for over XXXX. Ive tried Dispute multiple times and they dont wan na work with me its not my fault and Im getting faulted for it. Im the victim and They don't want to help me out with the situation. Im not paying for something I havent done. I even gotten police report and still dont 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 explanation