BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The Creditor is seeking payment from me for a debt that is not mine. After reviewing my credit report and researching the information, it has been proven that the Creditor is owed by someone with a similar name. This issue relates to an older vehicle that accumulated citations and a collection agency is attempting to collect the debt. I was able to retrieve the tag number and make and model of the vehicle. I have never owned that vehicle or the tags associated with it, and this information is documented in the XXXX XXXX. Therefore, I am requesting that this Creditor and this debt be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NY
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: ALLIANT CREDIT UNION
State: IN
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:
I was charged a {$99.00} annual fee on my statement closing on XX/XX/2021, even though XXXX stopped charging the fee later that year. They did not credit my account or offer a refund. XXXX also changed their terms for the cash back offered on their card in the middle of the year. XXXX dropped the cash back reward from 2.5 % to 1.5 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
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: Information belongs to someone else

Complaint:
There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX XXXX  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXXT XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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:
There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX 2020  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 2021-03-19
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have filed a complaint on ALLY AUTO twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished

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 2021-04-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I.C. SYSTEM, INC Account XXXX THIS PHONE I DON '' T OWN and IT STOLEN.

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 2017-02-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I obtained my online free annual reports from XXXX and XXXX on XX/XX/2017. Equifax failed to provide a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A total of XXXX fraudulent charges again my Compass Bank credit card on XX/XX/XXXX & XX/XX/2015. 
I and the additional card holders all have the credit cards under our possession, but there are XXXX fraudulent charges in XXXX, Texas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have spent over a week trying to get my account to work for Experian XXXX XXXX. I went through personal questions only I should know and failed them 4 times before getting kicked out. I tried to call Experian to help me resolve it, and all they did was take me through the exact same questions I failed 4 times before and got THEMSELVES locked out. So they said in order to help me fix it they would have to put in a ticket for me to speak with a supervisor and I would be contacted in 48 hours. 48 hours passed, and I never got a call from a supervisor. I called them back and they re routed my phone number to somebody who said they could not help me gain access to my account and even said they sent me to the wrong people. I then got ignored for 20 minutes and after asking if anyone was still on the phone and getting no response I hung up and tried to call back the original number. They then said that they didn't even see a ticket published for me to speak to a supervisor so either the first representative lied to me or somehow deleted my ticket. They then told me they would put in ANOTHER ticket for me to speak to somebody but i would have to wait another 48 hours. I very grudgingly accepted the fact that I'd have to wait yet again to see if my identity had been stolen which seems totally ludicrous to me. However, it's been ANOTHER 48 hours and STILL no supervisor has contacted me. I am extremely angry with this company. It's taken over a week of my time and hours of calls to get absolutely nothing out of it. This is not some joke or some small problem I'm trying to get solved, i believe my identity and all of my personal information is at a very serious risk and I'm being tossed around phone lines and unhelpful representatives like my information means nothing to them. Since then my phone number has come back as compromised as well. I need to gain access to my account and I have gotten absolutely zero help from the company who's supposed to help me deal with these specific things.

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 2021-04-20
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: Account information incorrect

Complaint:
Equifax has XXXX attorney generals on my account which should only be XXXX & which has been paid in full since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Please see attached complaint which includes my identity verification documents, FTC Identity Theft Report, and Copy of Most Recent ChexSystems credit report.

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 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was open in my name on XXXX XXXX that I didnt authorize or do myself. I was made aware of this business being conducted in my name today XXXX XXXX XXXX ) only by receiving a bank statement via postal mail. This account statement had my full name and address. I later find out that my SSN and XXXX were used as well. I would like for this XXXX XXXX to be audited and held to the same standards/practices other financial institutions are abiding by. I would also like to be contacted and explained why the fact that a background check or proof of identity was not properly researched before moving forward with an individual opening an account. Over a month goes by and youre telling me no XXXX verified identity with new accounts that are being opened.? We should be doing better by each other and helping to keep individuals identity safe. Thats the role every financial institution has and should continue to have.

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 2021-03-19
Company: EQUIFAX, INC.
State: KY
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:
I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Equifax directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of XXXX and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from my credit file. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 6. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have dispute this bankruptcy as many as 4 times, and equifax continues to state they have verify that this was a discharged bankruptcy.Actually the bankruptcy was closed/dismissed. 
So it apears equifax is not actually verifying the consumers requested, i have logged on the bankruptcy courts website myself, all this information is available to the public and it shows that the bankrupcy was dismissed and closed.I have attached the actually documents available from that website for verficaation of how simple it is to verify this, which i thinks proves equifax does not actually try to verify this information.I have just filed my 5th dispute today for this bankruptcy, and i think i am going to need help from a consumer agency to actually get equifax to actually do thier job. New dispute number for my 5th dispute is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NJ
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 it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ROBINHOOD MARKETS INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX and I have been unable to access my verified XXXX account since XX/XX/21. I have emailed the company repeatedly, which has no phone number or other way to contact them at provide assistance. The company has my account balance held hostage and will not respond to my inquiries. My account is also linked to my banking so I fear other financials are now at risk. I need access to my account so I can pull all my funds from this brokerage and never using them again. You can not take peoples money and not allow them access to it. This experience honestly feels like theft I have no access to my money and there is no customer service. I can not sleep and am suffering a great deal of distress. my email is XXXX which is link to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I asked XXXX XXXX ( XXXX ) to temporarily reduce monthly payments on my XXXX card. They replied that, in order to satisfy my request, I needed to enroll in an automatic payment plan for all of my ( XXXX ) cards until I had paid all balances or went off of the payment plan. XXXX assured me that the accounts would not be reported delinquent or late if the agreed-upon monthly payment went through. After a few months of on-time payments, XXXX reported a 90 day late payment on XXXX of my accounts. 
As I had several run-arounds with customer service that kept posting my payments incorrectly messing things up ( I had to close XXXX accounts to avoid further " mistakes '' ), I was told most recently that the 90 day late payment report went already out and therefore could not be changed. I would like XXXX to change the report about a late payment because it never happened since all payments, although reduced per agreement, were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NY
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 XX/XX/XXXX I sent a letter to Equifax, XXXX & XXXX  regarding inaccurate and unknow things on my credit reports. There have been several unauthorized and unrecognized inquiries added to my report over the last 2 years from unknown sources. I don't have any open accounts with any of these inquiries reporting therefore I disputed the validity of these details and its been 60 days and the Bureaus have not responded yet. Here is the list reporting fraudulently across all 3 bureaus : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-Collections is not from original creditor. I do not owe XXXX  XXXX, ERC, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX I never heard of. I never did a contract with them. Their violating FDPCA Section 807 Misleading false reporting. I feel like im being taken advantage of being ignored of my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I have a judgment appearing in the public records section of my credit report on XXXX and Equifax. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my XXXX and Equifax credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and XXXX for reflecting the wrong date. This judgment was filed against me in XXXX XXXX, so it should be up for removal in XXXX XXXX. I 've included a screenshot of what appears on my credit with all three major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I appear to be a victim of credit card fraud. My Discover card ending in XXXX was apparently used fraudently in the XXXX area on or about XX/XX/2017 thru XX/XX/2017 for a total of XXXX charges for {$2000.00}. My credit card company is asking for a report # for a formal policy report, please advise on how I obtain this.

Company response to consumer: Closed with explanation