BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citizens in response to a promotional offer of {$300.00} if you established direct deposit, which I did. However, I did not receive the {$300.00}. I called and inquired about the {$300.00}, and it was eventually credited to my account. Citizens claimed there was a mixup about my address ( missing apartment number ) that somehow prevented the bonus from being credited initially. 

Family members of mine also opened Citizens accounts under the same promotion and none us received the bonus without calling to inquire about it. It seems clear that Citizens Bank is offering the promotional bonus with the hope of never having to pay it, relying on the fact that most people will either not remember the promotion or will be too busy to follow up on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX accounts ranging dates from XX/XX/XXXX through XX/XX/XXXX have violated my rights. 
- 15 USC 1681 Section 602 states I have the right to privacy.

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

- 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; - 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 any purpose.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Equifax mistakenly close my {$1500.00} XXXX XXXX credit card without my permission they said they thought it was reported fraud by me but they see the error on there behalf and also stated I should put in a complaint with the CFPB so now I have lost access to my credit card my funds and XXXX XXXX is saying I may have to receive another hard pull on my credit report to get a new credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I had a problem with my Chime account and disputed a few transactions that was made on XX/XX/XXXX in the totaling amount of {$4200.00} dollars. 4 separate transactions for a {$1000.00} a piece and a {$200.00} dollar one. Ive tried disputing the transactions and they were denied with no explanation or no investigation report and when I asked for one it was never sent out within the time frame they gave me so here we are months later they never sent the money back never sent me a investigation report that shows how my claim was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax changed the name on my credit report. I have documentation that up until a few months ago, the name on my account was XXXX XXXX XXXX XXXX XXXX. I had legally changed my name from that to XXXX XXXX XXXX XXXX 14 years ago, and the other two companies have my current legal name. Equifax had the name that my parents gave me that had been legally changed and was no longer current, although identifiable. I sent documentation and requested they update to my current name ( dropping the XXXX ). They did not do that. Instead they changed the name to XXXX that is not my current nor my former name, and not identifiable. I asked them to fix it. They denied doing that, even though I have letters from Equifax showing that just recently my name on their records was different and now is this new, not my name, name. They said they are unable to fix it unless I can provide documentation proving that I changed my name from the name they currently put on my account, which is not my name and has never been my name. I can't provide documentation that I changed my name from that name because that has never been my name. I would just like to have my own name on my personal credit report. They have been dishonest with me and refused to resolve the issue. They insist that they didn't change the name on my report and couldn't do so, but it is demonstrable that they did. They also verified they received my documentation showing my current legal name when I made the initial request to update, but refused to look at it to confirm what my name is. I am very concerned that they are able to change my name to something wrong ( most likely a human processing error ) without any evidence, and are uninterested in looking into and resolving the issue. I would just like my name on my credit report so that I can move on with my financial affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past 60 days, but unfortunately, there have been no updates from your agency regarding the following accounts : -- -- -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 -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies 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  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I C Systems placed a debt on my credit report, I never received any notices to my residence. 

The amount is {$630.00} I sent all the equipment and paid off my XXXX  account prior to moving from the address it was in service.

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 2022-06-09
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 explanation
Consumer complaint received 2021-09-01
Company: DISCOVER BANK
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:
I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 
I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. Under FCRA 615 ( f ).

I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. DISCOVER : {$3200.00} This account is the result of identity theft and I attest under perjury that they are the result of identity theft.

This is a legal request to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had seen a collection on my credit report with Credence not knowing what it was I asked for validation and I received an envelope full of bills from XXXX XXXX from a residence in Arizona. For the time of these bills I didn't even live in Arizona I'm attaching my driver 's license as proof of that if you look at the issue date. And I get a letter back after I asked them to validate that that they have validated it I don't know how this would be possible. I would like them to remove it from my credit report immediately they are trying to collect for a debt XX/XX/2019 XX/XX/2019 as well as added charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: OH
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:
Currently XXXX XXXX AND EQUIFAX sites reports are all different with specific information. ON XXXX {$75000.00} in STUDENT LOANS are on the consumer report but when their actually calculated they sum up to {$67000.00} a closed account is being added to my loans on the XXXX SITE. During the pandemic all student loans have been in deferment so they should not have interest added, so what is being calculated? Then the loans do not show the same as all other loans across the board. MEANING EQUIFAX shows a total of {$7400.00} in STUDENT LOANS and XXXX shows {$72.00}, XXXX, while XXXX presents me having XXXX accounts on my credit and EQUIFAX shows 17 accounts open and closed XXXX XXXX accounts on my record. AGAIN, my question is why are ALL 3 CREDIT agencies REPORTING different amounts?!! The annual credit report pulled on XXXX shows that an account was charged off for ACCOUNT NUMBER XXXX at {$1100.00}, yet on the XXXX site I can not find an amount reporting but {$8.00} on the site not in the annual report. XXXX reported a charge off at {$1000.00}. EQUIFAX shows {$1000.00} was charged off. This Company XXXX provides the actual card number in the credit report which is a violation of my Consumer Protection Rights. XXXX IS ALSO A CHARGE OFF!! This should not be reporting. Transaction history of all accounts is also being reported all of this is a violation of my privacy. According to 15 USC 1692 ( a ) this shows excessive and abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices. Any CHARGE OFF is considered income which can not be reported on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. I feel like I'm being taken advantage of for being ignored by my disputes. I feel that this accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts I need this problem get fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
The following companies are reporting inaccurate information on my credit profile,

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 non-monetary relief