BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Nelnet, Inc.
State: GA
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 am writing to dispute Inaccurate Credit Reporting for FIRSTMARK Account # XXXX I called this company, and they were not able to find an account for me. I informed all 3 credit reporting companies, and they still reported the incorrect information. 
So, I am now seeking your help to request an investigation into the reporting of account # XXXX on my credit reports, I have attached copies of my credit reports from XXXX XXXX XXXX XXXX and XXXX for your reference, which demonstrate inconsistencies in the reporting of this account as well. This account is not mine and should be deleted from my credit file. I did not sign any contracts with FIRSTMARK and I do not owe them any money. 

In addition they are reporting discrepancies with is an FCRA violation which include the following : Account Type : The account is reported as an " Installment '' type account. However, it is reported as an " Educational '' account on XXXX and XXXX. This is incorrect and misrepresents the nature of the account. 

Account Status : The account status is reported as " Derogatory '' on XXXX and XXXX 's reports, while XXXX reports it as " Paid. '' Date Opened : The date the account was opened is reported as XX/XX/XXXX, on XXXX 's report and XX/XX/XXXX, on XXXX 's and XXXX 's reports. 

No. of Months ( Terms ) : XXXX and XXXX report 360 months ( 30 years ) for the terms, which is accurate. XXXX, however, reports " XXXX, '' Last Reported : There are variations in the last reported dates, with XXXX reporting XX/XX/XXXX, XXXX reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX. 

Date Last Active : The date last active is reported as XX/XX/XXXX, on XXXX 's report, XX/XX/XXXX, on XXXX 's report, and XX/XX/XXXX, on XXXX 's report. 

Date of Last Payment : XXXX reports the date of the last payment as XX/XX/XXXX, while XXXX and XXXX do not provide this information. 

I am formally disputing these discrepancies and requesting a thorough investigation into the accuracy of the reporting for account # XXXX. 

Please conduct a comprehensive investigation into these discrepancies and provide me with the results of the investigation. This account needs to be deleted from my credit file. Please request documentation and show me proof ( a signed contract with my signature. ) I understand that, according to the Fair Credit Reporting Act ( FCRA ), they have 30 days to investigate and respond to this dispute. 

I look forward to a prompt resolution of this matter and the correction of my credit reports. 

Please send me written confirmation of the actions taken as a result of this dispute. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My chime account was hacked email and phone number changed account empty. XXXX was stolen in XXXX transactions then Chime close my account with my disputes pending with no word or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXXL 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 2023-07-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED- RECORDING 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My 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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Information belongs to another individual ( identity theft fraud

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 2023-11-28
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:
Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like XXXX, XXXX, Transunion or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory.

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information.

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$43000.00} The above account is not mine, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} The above account is not mine, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The above account is not mine, and I request TransUnion to remove it from my 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 non-monetary relief
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I placed an order for rallys on XXXX. Got my order and half of it was missing or made wrong. XXXX wouldnt credit me even tho I sent them pics of my food and message them as soon as it was delivered. I disputed with my bank and they credited me on XX/XX/XXXX for {$11.00}. today now they are saying its valid even though I didnt receive all my order and the part I did get it was wrong. I have sent them the chats between me and XXXX  so they could see that I did report it and my issue and that XXXX wouldnt credited me. I should not have to pay for something that I didnt receive all of and wasnt even made right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I am a victim of identify theft and this has impacted my credit score.

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 2023-11-28
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:
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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-15
Company: EQUIFAX, 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:
have an alleged debt with XXXX XXXX XXXX. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX  and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted XXXX XXXX XXXX and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what XXXX has on my credit report the alleged debt account was opened in XXXX of 2017. I was living in Florida in XXXX of XXXX There is no XXXX XXXX XXXX bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want XXXX to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from Equifax and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from XXXX XXXX XXXX. I have also filed a dispute with Equifax and am unable to file one with XXXX because they only allow one open dispute at a time. Equifax has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment Equfax dispute 3

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened this XXXX account XX/XX/XXXX. They are missing my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements. I have not missed a payment on this card and the majority of the time it is ; aid in full. I have requested multiple credit line increases and have been denied every time. My credit line is {$300.00}. On XX/XX/XXXX i received a letter stating that i would not receive an increase because a payment on this capital one account was recently returned i assume they are referring to my XXXX XXXX account that was shut down due to id theft. XXXX XXXX XXXX XXXXXX/XX/XXXX, i received a letter stating that i will not receive an increase because There are too many missed minimum payments in recent history Presence of a revolving account charged off by a lender Presence of an account that is seriously delinquent or derogatory There have been too many recent inquiries This is not true and how could this have possibly happened within one months time? They claim they are getting the report from XXXX yet my XXXX report does not show any of this. Why are the reasons getting worse as my credit is getting better? They tell me there is nothing they can do because a computer decides.

Company response to consumer: Closed with explanation