BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-20
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to 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 2023-03-02
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is claiming a debt that is not owed ; this occurred in their error. 
I have 2 accounts under the same address and name with one paid in full and one made in error from a XXXX representative. This has caused a huge impact on my daily living right now. I have spoken with XXXX and this is what they have supplied to me XXXX request XXXX This code is what a new representative made ; asking his supervisor to dispute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Investigation took more than 30 days

Complaint:
Equifax & XXXX are reporting inaccurate information on my credit reporting. A collection account that I did not XXXX ) authorize XXXX ) I have no idea who the debt collector is XXXX ) I never signed any papers with XXXX XXXX for them to sell any debt to XXXX XXXX XXXX. 

Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 a money transfer via ZELLE was supposed to be made I was supposed to be sent {$110.00} and the app made the lady send me {$110.00} plus {$400.00} and wanted me to refund the {$400.00} but no money was put into my account to make sure I could refund the amount. I emailed the company notifying them that I had insufficient funds in my account to be able to send {$400.00} I got a email reply stating to send {$200.00} and with verification email and that they would send me half of the amount that was paid to me, I received none of that amount. So I emailed the site stating I would like the {$200.00} or what is owed to me and they requested another {$200.00} be sent in order to receive any funds but I had originally stated that I got scammed out of the {$200.00} and was left with {$26.00} witch is an insufficient fund and I would have to over draft my bank account in order to meet there standers. When selling an item I should not have to pay. I want my money back this app has left me broke and gave the other person with my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I received letter from Capital One that they closed my savings account with no warning, no notice, and without my consent. I went in person to Capital One Branch at XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX XXXX could see my account closed and the fact that I still had funds in acct. She said the phone lines to talk to someone about my problem was busy. I sent tweets ( my profile XXXX please remove from description before publishing ) to Capital One Cust Service on XX/XX/XXXX and many days after that they tweeted me they escalated my issue to another group after many tweets of them making excuses why they could not help me. I also sent multiple emails to Capital One XXXX XXXX XXXX and Capital One Communications XXXX XXXX. XXXX XXXX sent me read acknowledgement of my emails and received nothing from XXXX XXXX. I finally got reply from Capital One Cust Service twitter account @ AskCapitalOne about XX/XX/XXXX and also received a letter from Capital one stating they turned over my funds to the State of Texas as unclaimed funds and were waiting to response to my many tweets until AFTER this transfer was completed. I was in almost daily contact with their customer service during this time and was they did was completely corrupt and underhanded. I kept asking them and XXXX XXXX XXXX to reopen my account as it was prior to them closing it without my consent. Please assist me getting this done. Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX REPORTED XXXX Balance : {$80.00} ; XXXX  SELF- REPORTED XXXX Balance : {$8.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 2017-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PRA is claiming no existing dispute with XXXX. This is false. They are claiming they have no records of direct disputes which me. This is also false. I have responses from PRA that attempt to validate the debt but have never shown any evidence to support that the existing dispute, directly with XXXX, was resolved. Again, PRA should have never acquired an account that is under dispute. PRA dates also can not possibly be accurate as they are claiming " In response to your dispute, PRA has sent a letter on or about XX/XX/2017, containing validation. '' but my CFTB dispute was filed on XX/XX/2017. You ca n't send a response before I even filed a dispute, and again I am not asking for validation. I am informing PRA of an existing dispute whereby they are not allowed to collect and the account needs to be sent back to the original creditor to comply with all applicable laws. Attempting to validate the debt by sending account statements does n't resolve the existing direct dispute with the original creditor, XXXX, nor does it prove the existing dispute was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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: 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 2022-12-14
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear BARCLAY BANK XXXX XXXX XXXX ( # XXXX ) ; i'm not quite sure what's going on but i was shocked yesterday when i reviewed my credit profile and noticed a late payment in the mist of COVID19 XX/XX/2021 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements or it could be COVID19 issue when I was hospitalized with XXXX last year during XXXX to XX/XX/2021. My only thought is that my monthly statement did not get to me on my current address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX, and i've already gave this to several of your representatives at the store. Also did you guys changed the bank from XXXX to Barclay? This is so confusing!!!! : (

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 2022-03-15
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX XXXX set up acct w me for mobile phone. I personally went to their office to open a XXXX acct. I paid them what they needed to have this acct go through. I could never use the number they gave to me because it was still connected to a business, XXXX XXXX in XXXX XXXX ( CO ). I kept getting business messages. I notified XXXX I could not use the number they assigned to me. They stopped this number within a few days of assigning it to me. XXXX billing said I owed no more money ; my acct was closed ( XXXX XXXX ). Then some debt collector called to say I owed money. I went back to XXXX billing office and was assired, again, that I did not owe any money- my acct had been closed. Today, XX/XX/XXXX XXXX, I open a letter fron another bill collector saying I owe {$100.00} for a XXXX XXXX acct. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update this immediately in my report : DEPTEDXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions 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 have disputed the student loan XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: LA
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a most upsetting experience that is ongoing. I am XXXX years old and am concerned it may have something to do with my age. I do not have a large pension but have over XXXX XXXX in assets so am not at risk of defaulting on any debts. 

In XX/XX/2022, Chase Bank closed my checking account and cancelled my credit card. I never had an issue or late payment. There was no reason given and I was told I had no recourse. I spent a lot of money on that credit card. I paid it in full each month and never missed a payment. 

I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. 

Can you help me with this? I dont know who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ XXXX XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS TRANSUNION/ XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX  XXXX TRUSTEE.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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