BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Re : Fraudulent Account To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. This account is fraudulent and should be removed immediately. 
- XXXX account number XXXX Opened XX/XX/XXXX Delete this unconfirmed account lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act. 

I have supplied FTC Report Number XXXX for reference. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, 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 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
After being financially impacted by XXXX  I have been struggling lately to open a bank account and keep my XXXX  account paid for with the premium protection and no later than not even XXXXwo months of not paying for that premium protection and having my credit monitored all of a sudden my good standing credit accounts reporting delinquencys in my payment and close my account. I immediately notified the bureaus I filed my disputes and it started changing my information as I did a dark web scan with my premium membership experien was able to detect that my phone number and my email address were being hacked into and distributed across the dark web leaving me to become a victim of identity theft and thus having my good standing accounts being frighted sadly to say the good credit that I was building has taken a huge plumbing and due to the fair credit reporting act I dont feel that this is fair nor is it accurate as Ive always made my payments. I plan to take this further with the merchants themselves however as far as the bureaus are concerned it is their job to report accurately and fairly and due to the current fair credit reporting act this is not fair and I want my credit back to you its good standing immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-13
Company: CCS Financial Services, Inc.
State: AZ
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:
I received my credit report last month and notice some discrepancies. In accordance with FCRA section 611 and sec 623 the above and below companies mentioned violated my consumer rights : The amount ( s ) owed are no longer outstanding for the following items Party Owed : CREDIT COLLECTION SERVICES AMOUNT : {$130.00} I did not authorized these inquiries UNAUTHORIZED INQUIRIES XXXX XXXX ( FINANCE ) XXXX, 2023 XXXX XXXX ( BANK ) XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Opportunity Financial, LLC
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: Reporting company used your report improperly

Complaint:
The company opploans is been harassing me with a loan that they said I applied for and I never did, I told them a few months to stop and now they said I applied again on XX/XX/2023 and its a lied, I do not want to do business with that company because they have bad reviews and now I know that all they said about them is true, because they are phishing for my business, several times I XXXX them to stop and they continue to harassing me with emails. They are located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX IL. 

I also reported them to the BBB to see if they stop to do this to peoples they keep running my credit and that will affect my score, they are committing fraud doing that and I know is not legal to do so. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
This is in response to complaint XXXX. Experian said that some inquiries that I disputed were not reporting which they are. I do believe that Experian is stalling, and an investigation was not conducted. They removed 7 inquiries but there are still inquiries from the letter that I sent on my credit report. Please refer to the letter attached and remove the inquiries that are still reporting on my credit report. At this point I will be seeking {$1000.00} per violation if this situation is not resolved. I also reported this to the FTC being that I was involved in a data breach.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax has failed to investigate the accounts that were involved in the Equifax data breach properly. I am a victim of the Equifax data breach, and Equifax 's neglect to remove the accounts that were a cause of this breach is seriously damaging to my livelihood. Please take this matter seriously, as Equifax is the root cause of my suffering!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX Webster Bank XXXX XXXX  I was called and told I had a negative balance of $ XXXX which is not true. 
I opened an account with XXXX XXXX which is part of Webster Bank and also XXXX XXXX. 
It had the highest interest rate for savings. I found they didn't have things I expected, so I wanted to take my money out and close my account. 
I had started the account with a Plaid transfer instantly for $ XXXX. 
I tried so many time, XXXX, to close the account. I spoke to XXXX man who said he was a top manager and said it would be closed. I got emails from the bank saying I still have the account. Again I tried and was on hold forever. 
The initial deposit was made in XX/XX/2022 and funds also transferred out in XXXX. 
I was contacted this week XXXX  times by XXXX XXXX. I told them my account was closed. XXXX XXXX said that it was still open with a negative balance of $ XXXX. 
She asked me for all my personal information used to identify me. I said that the deposit was made with Plaid and transferred out of the same amount deposited. 
I did not ask for the interest back because it had been so much work to get in touch with a real person. 

I told XXXX XXXX I didn't have any money in XXXX XXXX  and I didn't owe them any money. I said, take me to court if you think I owe you money. 
Either the bank is a scam or disorganized. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-12-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This credit card is reporting inaccurately. 

Equifax says that the last payment was made on XX/XX/2023. I reported that this information is inaccurate and they verified it as accurate as of XX/XX/2023. 

XXXX reports date of last payment as XX/XX/2023, i reported that this information is inaccurate and they have validated it as accurate as of XX/XX/2023. 

XXXX is reporting that {$0.00} was paid on XX/XX/2023 as of XX/XX/2023. 

XXXX shows that the account was 120 pays due in XXXX of XXXX  but also shows a payment of {$220.00} on XXXX XXXX. 

Equifax shows a payment of {$220.00} being made on XX/XX/2023 and XXXX does not show a date for the month of XXXX. 

Even though there are numerous inaccuracies, all of the agencies have reproted this account being accurate when I contacted them regarding the discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: GA
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 submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$700.00} XXXXXXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CCF Intermediate Holdings LLC
State: CA
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:
According the to FCRA legally these unauthorized/fraudulent items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom it may concern : Please take a look at the attachments below. XXXX has created a monster of a mess with my mortgage loan. Attached are several documents showing additions, reversals and funds misapplied to my suspense account. My credit has been ruined because of XXXX 's errors current and past. Please see the extent of the documents which were received from XXXX, it is frustrating, distrusting, disappointing, and discouraging to have received a demand for payment and could possibly go into foreclosure, which none of this is my fault. I have worked on this file since XXXX and now have bad credit, unsatisfied answers, money owed to me, and no one to accept responsibility or understand misapplied payments to my account. This mess has caused me to see my regular doctor for irritability, anxiousness, unable to sleep, and frustration etc. XXXX has caused a great deal of unnecessary stress to me and my family, it has affected my work performance and everyday living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Collection Removal Request Dear XXXX Representative, I am writing to formally dispute and demand the removal of a collection from my consumer report which has been reported as public information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently reviewed my credit report and identified the following collection account : * Creditor : XXXX XXXX XXXX * Account Number : XXXX * Reported Balance : XXXX * Date of First Delinquency : XX/XX/XXXX The FDCPA states that non-public personal information can not be disclosed without the consumer 's consent. The information listed above is private and should not have been included in my credit report as public information. Therefore, reporting this collection is a direct violation of the FDCPA, and it should be removed immediately. 

I am hereby requesting that XXXX : 1. Remove the aforementioned collection account from my credit report. 
2. Conduct a thorough investigation of the reporting of this collection.

3. Provide written confirmation of the removal of this collection.

Please be aware of the legal consequences that may arise from not fulfilling this request. Failure to comply with the terms of the FDCPA is subject to monetary damages under 15 U.S.C. 1692k.

I expect a prompt resolution for this serious matter. Please remove this collection from my consumer report and send me written confirmation within 30 days.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
Delete hard inquires from both credit bureaus. This is my second compliant. 

XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: SC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}

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