BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX. 
XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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 - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$11000.00} Original balance $ 0 Monthly payment {$100.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Purchased a new vehicle thru XXXX XXXX XXXX. Agreed to finance thru XXXX XXXX. Approved by XXXX and took delivery. 

Four days later, received a letter from Capital One saying we were turned down for loan. We never asked to apply to Capital One. Dealer never mentioned Capital One or that they were going to apply. Never signed a credit application for Capital One. 

This hard inquiry will negitively impact my credit score. I never requested a loan from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I submitted letters to the credit reporting agencies to initiate an investigation into items that are being reported on my credit report that are inaccurate. I either received no acknowledgement of my documentation or received an email that stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This message, and the lack thereof, indicate that these credit reporting agencies received my investigation documentation, yet willfully neglected FCRA Section 611 ( 15 U.S. Code 5 1681i ) titled Procedure In Case Of Disputed Accuracy which states, " In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the ( 30 ) day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' These agencies have also been notified of this neglect which I will be providing documentation for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
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:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
*** Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2023-09-21
Company: Experian Information Solutions 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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. 


XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with XXXX XXXX all in good standing so I know its a minor mishap in there part.

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 2022-04-03
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and I noticed that I still have some inaacurate information up there I have already tried to fix this issue but they will not correct the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: MT
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:
From XXXX XXXX XXXX. 
In regards to Experian XXXX XXXX XXXX  Acct # XXXX .... 

I have contacted Experian Many times with no result. I have PROVIDED DOCUMENTATION THAT THEY HAVE NOT LOOKED AT. This documentation is a payment statement provided by XXXX XXXX XXXX, Attached to this compliant, IF Experian were to LOOK at the document they would SEE that the account number matches the account number on my Experian credit report, would match the amount of the loan, and the open date. 
. 
Does not match : is that it was not discharged through bankruptcy. 
On the XXXX XXXXXXXX XXXX XXXXs ( OWN ) Payment Report history, attached to this compliant, The document will show that the loan was paid with no late payments and was PAID IN FULL - PAYOFF XX/XX/2019 {$1300.00} ALMOST 3 YEARS AFTER XXXX XXXX SAID THIS LOAN WAS DISCHARGED. I request Experian to explain this DISCREPANCY. I would ask that XXXX XXXXXXXX XXXX who took the money for payment while the loan was being PAID and excepting the payoff 3 years LATER???????????? XXXX XXXXXXXX XXXXXXXX  who has verified the data on the Experian report as accurate???????????

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 2023-07-19
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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 and XXXX, 2022, a series of unauthorized transactions were processed against my Bank of America checking account from XXXX and XXXX. The unauthorized charges totaled approximately {$1700.00}, which Bank of America will not reimburse even after I provided all available information and disputed the charges before they were even processed. There were additional disputed, unauthorized charges from other companies but those companies are reimbursing me. However, Bank of America has been unresponsive to my claims disputing the charges. 

On XX/XX/XXXX, I went to Bank of America, spoke with a representative, and opened a claim requesting that Bank of America not process the " processing '' transactions. They did anyway. Over the ensuing days, I provided as much information as possible, including my work schedule, a note from my boss, and my clock-in slips to prove that I was working when the unauthorized transactions took place. Bank of America has been unresponsive and has provided no update on my claim for weeks. 

Bank of America never advised that I file a police report, but I did anyway approximately ten days after the incident. I provided Bank of America with the police report. Still, I have heard nothing about the status of my claim from Bank of America which is apparently " investigating. '' I am a working mother of two. I have been a customer at Bank of America for more than 30 years. {$1700.00} is a lot of money, and I'd appreciate any assistance the CFPB can provide in helping to resolve this matter. I'm not sure what else to do and feel that I have exhausted all available options, especially given Bank of America 's unresponsiveness. 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 monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.

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 2018-11-11
Company: REGIONS FINANCIAL CORPORATION
State: GA
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, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ). 

I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day. 

After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter. 

This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported. 

I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-05-24
Company: Spring Oaks Capital, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a rent debt on my credit. It was removed from all 3 credit bureaus but it still remains on my rent bureau report. I was informed that the rent debt was for an apartment that i never lived at. I was a victim of identity theft. Someone filed taxes using my social and I had fraudulent things put into my name. I have been clearing up this mess since I became a victim of identity theft. I have been disputing things on my credit report and submitting documents and proof. There is no reason this rent debt should be showing on the the rental bureau when it has already been removed from all 3 credit bureaus. I was under the impression that this issue was resolved but i recently went to co sign on an apartment for my daughter and it showed up on the rent bureau. Which was surprising to me because I have not had any issues since its been removed from the 3 credit bureaus. 

I have continuously disputed this fraudulent Rent debt and have successfully had it removed from the credit bureaus therefore it should also be removed from the rent bureau. I never lived at these apartments. I was residing in XXXX XXXX, NV with my fianc and his sister and her son. I should not be held responsible for someone illegally using my personal Information. It is already bad enough that I have issues every year filing my taxes due to the identity theft. I would like to see this issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XX/XX/XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from  either XXXX XXXX XXXX or from XXXXl XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX went nowhere, where this fraudulent company stated to XXXX XXXX that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, Experian, XXXX  and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. 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