BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
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:
I am writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my second attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I submitted a formal dispute regarding the fraudulent items on my credit report. I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-12-16
Company: EQUIFAX, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2023-04-14
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 belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-08-30
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid ( XXXX XXXX  XXXX  {$3000.00}, XXXX XXXX - original debt {$1500.00}, settled for {$1200.00}, XXXX - paid to lawyers office XXXXXXXX XXXX XXXXXXXX with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and the bureaus with XXXX XXXXXXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX original debt {$480.00} settled for {$440.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: IL
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 do not recognize any of the inquiries I listed down below I wish to have those inquiries removed as soon as possible I have listed name of each inquiry and each date

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 2021-08-30
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/2021 I walked into XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I spoke with their salesman XXXX XXXX and told him I was looking for some custom wheels for my car. After sharing some photos with him we came to a decision on which wheels and rims would be appropriate as well as how long it would take to receive the wheels and tires, get them painted by his contractor. and mounted on my car ; he guaranteed me this process would take no longer than 10 days, I paid my deposit of {$3300.00}. From that point on i passed 20 days, then 30 days and Mr XXXX would either not return my call or tell me that their painter had made mistakes with the paint and that they were going to fix them. Every time I spoke to Mr XXXX he told me it would be another 4-5 days. At 40 days i told Mr XXXX that I no longer wanted the wheels because it had taken quadruple the time he promised, He refused and said that because they were being custom painted they would not refund me. I told him I would wait 5 more days and then I was going to file a dispute with American Express with whom I had placed the deposit. We surpassed the 5 days and the wheels were still not ready so I called American Express and asked them to file my first dispute ever. American Express told me that this would not be an issue since I had not received the merchandise and it had been far too long. I was given a temporary credit. Approximately 10 days later I called American Express to see if they had found in my favor permanently and I was told that they had. I have since purchased the wheels from a different company and they completed the transaction under the 14 days that they were promised in.

Four days ago I received a text message from Mr XXXX telling me that American Express had found in XXXX XXXX favor and if I didnt pick up the rims then I would forfeit the deposit! I was furious and called American Express expecting that this was some type of trick. American Express would not acknowledge that they had already found in my favor so I asked how this was possible ; I asked to see what paperwork had been submitted or why no paperwork was ever requested from me to refute whatever bogus claims the merchant had made to allow for a finding for the merchant. This is wrong. the merchant did not provide the merchandise in the time promised. 

I would like my {$3300.00} returned to my account immediately and permanently. This merchant did not provide my completed merchandise in the timeframe they agreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2022-01-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Because I was part of multiple data breaches from credit card and credit reporting bureaus, I have an alert email that now notifies me of changes in my credit. That is how I learned Citi reduced my available credit for a Co-branded card at The Home Depot. When I called Citi to ask about the reduction, I was treated rudely and told that they had no record of communicating the credit line decrease, when I mentioned I believed there was a regulation that required them to communicate those types of changes the representative got ruder. A couple of hours later, I received an email advising me that they closed my account completely. Unbelievable.

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 2022-01-28
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a loan with Loan Depot in fall 2021. Was charged an appraisal fee for the loan. Appraisal never took place, loan was declined. For at least the past month I have attempted to have the charge returned, it was approved two weeks ago and still no return of the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NC
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:
This is a another NOTICE OF DEFAULT and NOTICE OF OPPORTUNITIES TO CURE. CRA was provided identity theft reports and a statement from consumer, appropriate proof of identity and items to be blocked. 15 USC 1681. NOTHING was done ,15 USC 1681c-2 they have 4 days. Therefore a sum of {$8000.00} is owned. I have been unable to qualify for a home, car, job and hardship. I have lost all creditable and credibility with family and friends. I need mental counseling from XXXX and anger management. Please help resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had an account with Paypal since XXXX that currently holds {$100.00}. I am trying to withdraw the funds to any other account. Paypal claims I need to verify my identity, but has refused all my attempts at providing identifying information, and now claims there is a 180-day freeze on my account, but will not provide further information. Talking to Customer Service Reps ( CSR ), I have received the following contradictory and often incoherent answers : - You need to submit the identifying documents ( I have done this three times ) -You need to wait 24-48 hours or up to 10 days for the system to " refresh '' ( I've been waiting over a month ) -Your account has a permanent hold for 180 days. 

-You can transfer the balance in your PayPal account to your bank account or to send you a check. You can't withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargeback. 

-We have found potential risk involved with your account, transactions and activities as to why as a business decision we are parting ways with you. 

- '' Dear XXXX XXXX ( not my name nor anyone I've ever met ), we are unable to verify your identity. '' I just want to be able to escalate this issue to someone who can actually verify my identity and let me take out my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX and Transunion is reporting inaccurate information as far as late payments on my consumer file and I have asked them for the method of verification Numerous times, this is becoming exhausting as XXXX and TRANSUNION IS HARMING ME AND HOLDING ME BACK FROM GETTING A HOME FOR MY FAMILY DUE TO INACCURATE LATE PAYMENTS. Ive asked XXXX multiple times to look into this and to provide me with the method of verifying the late payments and if it is warranted. In addition Ive asked XXXX XXXX Transunion to remove any accounts that can not be corrected or fixed as there is no permissible purpose and there is several violations in addition to this. XXXX and Transunion has not provided any consent forms for any accounts or any documentation showing they have permissible purpose. 

These are the accounts that are harming and very concerning to me as a consumer on MY consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 advise XXXX and Transunion to follow the law by doing a thorough and complete investigation permitted by LAW. And correct each late payment as I was NEVER LATE ON ANY ACCOUNTS. If this can not be done I respectfully demand for such accounts to be DELETED from my consumer report. 

Thank you

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 2022-01-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.

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 2023-11-17
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate investigation and removal of certain fraudulent accounts that have been erroneously appearing on my credit report. These fraudulent accounts are not a result of any legitimate financial transactions, and their presence on my credit report is causing significant harm to my financial well-being and creditworthiness. 
I have attached a copy of my credit report, highlighting the fraudulent accounts in question for your reference. The fraudulent accounts that I am disputing are as follows : DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
I request that you initiate a thorough investigation into these fraudulent accounts as per the provisions of the Fair Credit Reporting Act ( FCRA ) and promptly remove them from my credit report if they are found to be inaccurate or fraudulent. Additionally, please provide me with written confirmation of the Under the FCRA, I am entitled to a fair and accurate credit report, and these fraudulent accounts are causing unwarranted harm to my credit score and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was frauded by a sales rep for a billboard company stating she was selling space on this billboard for my XXXX. She rushed two large payments upfront pushing and hurrying everything. Then I received a call from the actual owner telling me she had no authority to place my ad on the billboard and attempting to get me to sign with them. Long story short they entered into a lawsuit between these two companies with me stuck in the middle. This happened in XXXX of 2018 and then I was notified in XXXX on 2018 by actual owner. Both businesses have said they are not pursuing me for these charges and they will work it out in their lawsuit between themselves. I have supplied all the documentation to Capital One and notified them immediately after I was notified telling them not to pay XXXX  and gave them the support. Over the last XXXX years I have spoken to 17 different Capital One supervisors, collections people etc. I have upload support on their online portals and have  begged them to get this off my credit. I even overpaid them by {$1800.00} which was confirmed by one supervisor. They all say they will call me back and we will get this resolved yet nothing happens. Six of the supervisors removed it then the next month it would be added back. Only one supervisor walked through every charge and payment and she agreed that I overpaid them. Yet they have filed a negative report on the credit as a charge off. This is hurting my credit and ability to get loans needed during this time. I have the support and can upload to your site as well. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: PA
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:
XXXX is not compliant with their investigation The operators are not allowing me to explain show them The law that they are violating there are an authorized Account on mine consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: VA
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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief