BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. 

Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & US DEPT OF EDUCATION 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 2017-05-11
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I AM IN THE PROCESS OF BUYING A HOME, BUT I CANT BECAUSE A REPO CAME UP ON MY CREDIT REPORT. I FURTHER INVESTIGATED, IT WAS NOT ME WHO TOOK THIS AUTO LOAN OUT AND THEN GOT THE AUTO REPO 'D. I AM UNSURE OF WHO IT WAS. I CA LLED WESTLAKE FINANCIAL WH O IS THE FINANCIAL COMPANY RESPONSIBLE FOR THIS LOAN- THEY TOLD ME TO FILE A REPORT. I FILED A REPORT WIT H IDENTITYTHEFT.GOV ON   XXXX  O F 2017 AND  SPECIFICALLY ASKED THEM TO VERIFY THE INFORMATION. THEY REPLIED TO ME 42 DAYS LATER, SAYING THEY DID NOT FIND ANY IRREGULARITY IN THE ACCOUNT. THE FIRST THING I SEE ON THE DOCUMENTS THEY PROVIDED IS : ADDRESS DOES NOT MATCH MINE, NOR DOES THE LAST NAME OR PHONE NUMBER OR EMPLOYER. I WILL NOW SEND THEM PROOF OF MY IDENTITY :  PHOTO COPY OF MY DRIVERS LIC., PA SSPORT AND UTILITY BILL. THIS COMPANY HAS FAILED TO COMPLETELY VERIFY ACCOUNT MEMBERS IDENTITY AND PUT A BAD SCORE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MO
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
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 duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXXXXXX

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 2023-08-07
Company: EQUIFAX, INC.
State: CA
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Equitable Acceptance Corp
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I GOT A CALL FROM A THIRD PARTY COMPANY ( AT THE TIME I WAS UNAWARE THAT IT WAS A THIRD PARTY ) SAYING THAT THEY COULD HELP ME GET LOAN FORGIVENESS FOR MY STUDENT LOANS. THEY CALLED AND THEY HAD ALL MY INFORMATION ALREADY, AND THEY ADVISED ME THAT I WAS APPROVED FOR A {$0.00} PAYMENT BUT I WOULD HAVE TO PAY A SERVICE CHARGE OF {$42.00}. SINCE THEN I HAVE BEEN ADVISED BY MY FEDERAL STUDENT LOANS THAT THEY DO NOT DEAL WITH THIRD PARTY COMPANIES, ALL THEIR SERVICES ARE FREE, AND I SHOULD NOT BEEN PAYING A SERVICE FEE. THEY SAID THEY HAVE NOT RECEIVED ANY MONEY FROM THIS THIRD PARTY THAT I HAVE BEEN PAYING MONEY TO FOR THE PAST TWO YEARS PLUS YEARS. XXXX XXXX XXXX IS THAT NAME OF THE THIRD PART COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Experian Information Solutions Inc.
State: AR
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:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Re : Investigation Confirmation # :XXXX To Experian Dispute Department To whom this may concern, I recently received your investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation. 


DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$5700.00} because they are reporting the same account number for both accounts. XXXX {$11000.00} '' DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} '' because they are reporting the same account number for both accounts. XXXX {$5700.00}. 



XXXX Vs Experian. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Experian just can't use the XXXX XXXX because its not considered reasonable. Experian can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

Additionally, this account is inaccurate it is a Closed Account. Charge-Off that is not reporting Soled Or Transferred. Delete This Account. 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
How can I take legal action against Experian? 
Dear CFPB personnel, I urgently need your help. I have good 750+ credit score both with XXXX XXXX XXXX XXXX but a 680+ score with Experian. Both XXXX & XXXX HAVE already REMOVED MY BANKRUPTCY FROM MY CREDIT REPORT ( AFTER 7 YEARS FROM XXXX XXXX  ). Experian has so far REFUSED TO REMOVE MY BANKRUPTCY FROM MY CREDIT REPORT. Experian is getting INCORRECT info verified and hurting me in getting loan approval, credit cards etc. 
The clerk at the court house said ; THE UNITED STATES BANKRUPTCY COURT DOES NOT ( I REPEAT DOES NOT ) REPORT ANY INFORMATION TO THE CREDIT BUREAUS the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately ( I REPEAT THE BANKRUPTCY INFORMATION ON MY CREDIT REPORT MUST BE DELETED/REMOVED IMMEDIATELY ). Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a new Best Buy  Citi Visa Card o n  XXXX   XXXX ,   XXXX   for the purchase of a new computer with 0 % interest for 12 months  ( deferred interest charges ).  I received my statement through the mail on  XXXX   XXXX ,   XXXX  . Upon opening the statement it states the first payment was due on  XXXX   XXXX ,   XXXX  . Upon calling the customer support line at  XXXX , I was informed that the billing cycle for my card ended on  XXXX   XXXX ,   XXXX   two business days after the account was opened. Being I did not receive the billing statement until  XXXX   XXXX ,   XXXX   I will now have interest charged to my account. I will be returning the item purchased and closing the card.     I would like a record of this deceptive practice being done this company, by luring customers into deferred interest products and trapping them into deflating on the terms.

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 2023-05-20
Company: Ability Recovery Services, LLC
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: Account information incorrect

Complaint:
Hello I have XXXX issues with this collect agency, the collection company never notified me that I owe this debt nor did they give me 30days opportunity to pay being i didnt know of this account and by law please respond with proof of a certificated document that I owe this debt or that I had the opportunity to dispute it, please delete this debt fro my credit immediately until I receive documents stating I owe this debt and profit that it is mines as well as time review

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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've been in an ongoing dispute with TransUnion over the past 12 months. They have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-03-28
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:
This is 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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I previously opened a case regarding fraudulent credit inquiries appearing on my credit report from Capital One. The previous CFPB case was case # XXXX. Capital One promptly investigated my claim and found that these inquiries were in fact not authorized by me and requested that the credit bureaus remove them. XXXX and XXXX promptly removed the inquires. XXXX did not. I contacted XXXX directly through the CFPB and attached the letter from Capital One stating their intention to have the inquiries removed. XXXX responded to the CFPB and told the CFPB that they would investigate my claim. XXXX did not investigate the claim. XXXX opened a dispute which they close a few hours later and responded to the dispute stating that inquires were a matter of fact and that they would not remove them from my credit file. I am requesting that Capital One once again reach out to XXXX and request the removal of the fraudulent inquires. I have attached a copy of the letter from Capital One regarding the inquires which states the inquire ID and the date of each fraudulent inquiry to this complaint. I would also ask that the CFPB take action against XXXX for not following the request of Capital One and my request to investigate and remove the inquires. Capital One requested the inquires be removed in XXXX and it is now the end of XXXX and the inquiries remain on my credit report. I have copied Capital One and XXXX on this complaint. I have also attached screenshots of the inquires still showing on my credit report as well as screenshots from XXXX 's online dispute system showing that they opened and closed the investigation into these dispute within a few hours, did not actually open an investigation and denied me my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation