BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are many errors and misinformation on all three credit reporting agencies. Inquiries I have not authorized about  XXXX  or more. Aka : that is not my name. I 'm locked out of all three credit reporting agencies, only able to access bits and pieces through different sources. My score drops at a ridiculous rate because my report is wrong. Went from  XXXX  last time I could actually see full report to  XXXX   (  just able to get  XXXX  single score ) its like a confusing maze that makes it impossible to correct with the  XXXX  agencies. Its financially harming me. Bottom line is that something/s are happening to my credit and its not me. I need to access full reports from all three credit reporting agencies ; review ; notify them of wrong info ; and then monitor it to have them remove all wrong info, unauthorized inquiries, aka : that are not me, and derogatory items that are  XXXX  and duplicate accounts are corrected.     The process I just described is wrong- when I ca n't see report ( I 'm prevented but others are not apparently ; I need to address serious things that make little sense ( I 'm being told this thru letter of denials, some I do n't even know how they got my name .... ) ; I need to fix and fallow till all mistakes that have been removed ( many, many not by me ) then the credit reporting agencies can give accurate description of my credo worthiness to the creditors I actually contacted and authorized. I feel as if what is happening to me is horribly wrong and no agencies are taking no accountability for harming my financial future. Please help me. ADA

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 2023-05-02
Company: EQUIFAX, INC.
State: TX
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 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 an account without my written instructions. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Public record reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, 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 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: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: WA
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:
I wrote this company a letter on XXXX XX/XX/2021 wanting all the unauthorized hard inquiries removed and received no response.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian - BASICALLY I NEED TO TALK TO A HUMAN BEING AT EXPERIAN TO CLEAR THIS UP. IT IS IMPOSSIBLE TO REACH ONE THROUGH ANY OF THE 6 OR SO PHONE NUMBERS THAT WERE POSTED AND THAT I TRIED. THEY SEEM TO HAVE CHANGED THEIR VOICE MAIL SYSTEM AND THERE IS NO WAY TO TALK TO A HUMAN BEING. In XXXX they noted a fraud hold on my report and I could not remove it. I sent in a written request and they wrote that the fraud hold was released. On XX/XX/XXXX my bank tried to get my credit score and the system said that there was a fraud hold. I tried again online and could not release it. Somehow I got to a human being and was informed that there is no fraud hold, but that the address that I lived in 27 years ago is the address on the account. I was told to put in a notice of a new address - I could not do it online had have just mailed it. I opened an online file for my old address ( I still own that property, but rent it out ) and another for my current address. I then checked the reports ( both under my correct SS # ). Both reports had no credit information. I need them to get my credit information on my current file so that my bank can get a credit score. I CAN NOT REACH AN EMPLOYEE TO HANDLE THIS!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of 2022, Kohls Department Store reported an inaccurate late payment of a store charge of {$40.00} dollars. 

I have never received a bill in the mail. When I contacted the company they said they sent a statement bill to an unknown address that wasn't mine as my address. The company has mailed me a check for the inconvenience which I have not deposited however the error kept reporting on my credit and dropped my scores for that derogatory information. 

I was told by the rep over the phone they would correct the issue and update my credit. I still have a late payment and this is still on all of my credit agencies and needs to be deleted and compliant with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-06-18
Company: Tribal Lending Enterprise, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I pulled out a loan of {$1000.00} on XX/XX/2023, received the money, and paid back the {$1000.00}. now I am being charged over 400 % interest and am expected to pay almost {$5600.00} that I do not have. I already paid what I borrowed and I can not cover these insermountable interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Harassing Phone Call received from Gurstel Law Firm ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
Gurstel Law Firm is representing XXXX XXXX XXXX  in an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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 belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSCXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX
Balance - XXXX XXXX XXXX XXXX XXXXTXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

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 2021-09-16
Company: Applied Data Finance, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This all began in XX/XX/2021 if my memory serves me correctly. I receive a call from this lady telling me that she is collecting money from me that I owed from a personal loan company. Due to the pandemic, I was unable to continue paying the loan and it went to a 3rd party agency I guess. This lady was extremely rude. It was oppressive speaking with her, as I felt berated by her tone. Anyway, I setup arrangements to pay bi-weekly and honestly it was because the woman freaked me out. She acted as though she was an attorney and like she was threatening me with actions that she legally can not do. she intentionally set up the payment on my pay dates and would attempt to withdraw the funds before my bank even processed my pay. I received several calls from my bank inquiring about the agency. I honestly don't even think I owe the amount she said I did. I honestly feel as though she is a scammer and I don't know what to do. I would welcome the opportunity for someone to be on the telephone when she calls to witness this rude oppressive harassment. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX man, and I was very upset, on XXXX, XX/XX/2023, when I received a phone call at XXXX XXXX. 
I missed the call but was concerned because someone was calling me so early. Even though I didnt recognize the number, I immediately called back. 
The call was from a collection agency demanding payment on an old debt that was past the statute of limitations, in New York. 
The name of the agency is : IC Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX I didnt recognize the name of the company they claimed I owed money to and the debt they were demanding payment on was XXXX or XXXX XXXX XXXX. 
I would like to file a complaint. 
Not only is this agency calling at an illegal time, but they are also participating in a predatory practice when they targeted, at least, this senior and demanded payment on a debt that is no longer a legal obligation. 
I would appreciate it if you could investigate this situation and let me know the results of your investigation. 
Thank you for your attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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 2020-03-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I see a lot of inquiries on my credit I have not approved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer to book a Carnival Cruise and receive XXXX rewards if I booked a cruise from XX/XX/2023 to XX/XX/2023. The credit card company states they did not see any purchase and is refusing to provide the promotion points.

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 2023-11-02
Company: EQUIFAX, INC.
State: TX
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:
An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX XXXX. 

Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or 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 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There is a XXXX XXXX XXXXXXXX debt with XXXX that a family member has XXXX  + I am only an authorized user. I have let them know the family member is XXXX, and written a cease and desist letter and they continue to harras me and come to my apartments to try and issue a court order for the family member It is beyond harassment- they have come to my knowledge from others 5+ times.

I mailed letter over 2 weeks ago and reported to XXXX and they replied, and yet I found out they came again today. 

They should be legally held responsible to stop harassing people, especially when it is not my debt, and in general, and this debt is over 4 years old so should be written off regardless. 

I. have the cease and desist letter and may share with media and describe their treatment.

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 2018-09-06
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:
The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX XXXX XXXX made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes

Company response to consumer: Closed with explanation