BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
Below is a summary of the data in which I am challenging :

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 2020-12-28
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:
To whom it may concern : Equifax is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, Equifax Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require Equifax to provide the following information to any consumer : How did Equifax verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
Equifax failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA XXXX. I am requesting that the information being reported in my Equifax Credit report be Corrected. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: FinCo Services Inc DBA Current
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my online account with Current backing, or XXXX  XXXX, was hacked, then the hacker proceeded to transfer my savings to my checking, and then go to a XXXX in XXXX XXXX, FL, I live in North Carolina, and withdraw all of my money. It was 2 different transactions at 2 different XXXX. One was {$510.00}, and the other was XXXX. There was even a transaction for {$770.00} that I was able to cancel as soon as it happened by resetting my pin because I was watching this hacking happen on my account in real time. I contacted Current via their online support chat and immediately disputed the charges. They opened a dispute, then a few days later I get an email that they decided not to refund the funds to my account. I appealed this and immediately received another email that they looked into it again and decided they would refund my funds. Never got them. I followed a police report as well in that city in Florida and I have a copy of it. They got camera footage of someone using the atms to take my money, however could never identify them so no charges against anyone were made. Nonetheless, my money was stolen. Now, just today I reached out to current to find out whats up and they never actually appealed the dispute and they would not without more evidence besides a police report. I dont have more evidence because I dont have receipts because it wasnt me. I police report is plenty evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2021 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Debt Recovery Solutions, LLC
State: OR
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:
This is fraud but I still paid them in order to get it off my credit report! This needs to say " removed due to error '' or something instead of " paid in full '' this debt is not ligitemate PLUS it's been paid! See attached proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: NC
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 the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Medical XXXX Balance : {$200.00} ; Medical XXXX Balance : {$170.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$100.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$600.00} ; Medical XXXX Balance : {$490.00} ; Medical XXXX Balance : {$850.00} ; Medical XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX NC XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This started when I received a credit alert both from my bank XXXX XXXX and XXXX XXXX stating that my credit score had changed. After checking the score I found this had nose dived from near perfect to the low 700s. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX  ''. Not only do I not have any account with XXXX XXXX  - and never have - but I have also never been contacted by XXXX XXXX directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to Experian and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of XXXX on the local XXXX XXXX XXXX reveals that they have had 80 complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX, which leads me to question as to whether this XXXX is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of XXXX Experian confirmed they will investigate under report # 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 2020-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-07-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. Experian and XXXX  are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!

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 2022-10-22
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I have a complaint about a finance company who allowed and individual to receive a loan using my information wondering how but anyway I think it was an estimated amount of {$5000.00} and it's still XXXX left to pay on it I have copies of all the harassing letters to me after I have contacted them around numerous occasions that this account was two none of my knowledge they said they will check into it and they never respond back I would always have to call them back after they said able check into it as if I was lying and I have told him that I was in that I need for myself because I was applying for help I was getting denied due to this apartment account been past due and things but I finally got someone to help me investigate and look into it and XXXX and the fraud people working on it and investigated and it came to pass that I had no attachments to this account that was bringing my credit down for no reason to me and I even explain to them the eye was in dire need of some help myself with a loan me applying and I applied with them and they turn me down and it was something dealing with that account so since this period of time over this 3 years spam of stress and me being harassed for someone else 's account to I think that they're there to be compensation for me and I want to prosecute thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Kashable LLC
State: AL
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 no knowledge of this account. I have sent out a debt validation letter XX/XX/2022 and haven't heard any responses from the company. I have filed identity theft with The FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I sent the following letter on XX/XX/XXXX. On XX/XX/XXXX, I received a response that Capital One could not respond in writing. WHY NOT? I was assigned a case # of XXXX by Capital One in this letter where no questions were anwered. I would like this escalated and for someone from Capital One to actually answer these questions. 

Capital One ATTN : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Credit Card Officer : I have repeatedly called your customer service number, and no agent can answer these simple questions. I have a secured credit card with CapitalOne ending in XXXX. My Social Security # for reference is XXXX. 
1 ) A credit line increase was apparently automatically approved after six months of having this secured credit card around XXXX/XX/XX/XXXX. Does another credit line increase automatically come? If so, when? I have applied for credit limit increases and they continue to be denied. 
2 ) How long do I have to have this secured card before it becomes a regular credit card? Does that automatically happen or do I apply for regular credit cards through Capital One and then when I finally get approved for a regular credit card it gets converted? CapitalOne has a deposit of mine from when I first opened this secured card, and I would love to get that deposit returned to me or applied to this card balance, and have the card converted to a regular card. How do we make this happen? 
I would love to discuss these questions with someone who can actually answer these questions, or get a written response with the answers in full. I appreciate having this secured card for over a year, but the lack of ability of your customer service agents to answers these questions has left me frustrated and writing this letter. I can be reached at the above address and phone number. I await your response. 

Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-10-22
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company stated that they are a 3rd party collection and that I needed to contact primary source but they wasn't able to give me the information on who I needed to contact. 
This seems very fraudulent to me. I asked how can they report on my credit and they don't even know if the account is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-12
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX - Comenity Bank Card I made a purchase and have made payments on time and had card paid off. At the end of XX/XX/2022, their system went down for a couple of weeks with many online portal issues, pay by phone and so on. Very well documented as it was a big issue for many consumers. 

I had made multiple payments towards a final pay off in addition to a in store, auto pay and also paid by phone in order to make sure the payment was in full. During the week of XXXX XXXX the system showed card paid in full and also an over payment by {$500.00} due to an auto-payment that still processed. 

The system was down and could not be relied on as it was not showing correct transactions as made. 

I've been calling to check on a {$500.00} payment as my bank shows payment made. Comenity Bank states the payment was returned but can not provide proof. My bank, XXXX XXXX  shows that payment was made but never returned. I've asked for proof of return but Comenity Bank can not prove this. The payment was never returned into my checking account.

Company response to consumer: Closed with monetary relief