BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$68.00} ; XXXX XXXX XXXX XXXX : {$26.00} ; XXXX  XXXX XXXX XXXX : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX : {$470.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$880.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; DEPT OF EDXXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
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:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again.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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According

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 2023-03-03
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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 have an account on my credit that is currently listed as Midland Funding LLC the original creditor is XXXX XXXX XXXX. I have reached out to the third party company on numerous occasions for a validation of debt with the original signed agreement by me. The credit bureau 's along with the company continues to verify this information as accurate. This debt was also charged off and on my credit the status still says " open ''. Under the FCRA any company that fails to provide this information of validating a debt within 30 days is required to be removed. I am asking for this to be removed from my all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NY
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 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 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 2023-04-27
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:
SUBJECT : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRES Inquiry made by : XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX made on : 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 2023-03-31
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: Information belongs to someone else

Complaint:
I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize

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 2023-07-28
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 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 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} 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 Balance : {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CO
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We purchased a vacation rental with our Barclay mastercard in XXXX XXXX for a 2-month stay in XXXX. Guaranteed in the contract was a full credit voucher for a later stay in case the border closed. This gave us the confidence to book, plus it was paid through the supposedly reputable company " XXXX '' who has their own " Booking with Confidence/Payment Protection Plan ''. 

The border closed on the day of our flight ( XXXX XXXX, XXXX ) and we were denied our credit voucher. XXXX would not help us, despite their protection policies. They said we were on our own to deal with the overseas owner, with whom we have no leverage. This is a major deception in business practices and false advertising/misleading guarantees/bad faith. No one would ever book with a company like XXXX if they knew they had no protection and were on their own with overseas owners. 

We purchased a vacation rental, whether it was for XXXX or a later date. It is a tangible product and though we paid for it in entirety, we have been refused the product and have nothing to show for our over {$4000.00} payment. Barclay has refused to issue a refund, siding with XXXX despite our not having the product we paid for. We have had several phone calls with both Barclay ( who will not answer their customer service phone ; we were on hold for 3 hours and refused requests to speak with a manager ) and with XXXX who refuse to help. Certified letters including dozens of documents have been sent to Barclay, and also to XXXX, but to no avail.

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 2019-06-26
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In the month ofXX/XX/XXXX, I contacted Discover Bank, in reference to an old debt I had with them aging back to XX/XX/XXXX. This debt occurred during the time my now ex-husband and I had just buried a child, he lost his well paying job, and it was a decision to pay either the light bill or my credit card bill from one income. However, in XX/XX/XXXXwhile speaking to an agent, I advised them I wished to pay my XXXX dollar debt. In doing so, I was transferred to a supervisor in the collections department. After speaking to the gentleman, he advised me that I could no longer pay the debt because it was charged off to a 0 balance and I was set to receive a 10-99C form in the mail, in which I did by the month of XX/XX/XXXX. After receiving that information, I made my loan officer aware of the situation. Months went by and my credit began to improve, but through another XXXX XXXX credit check in the month of XX/XX/XXXX, my loan officer noticed where I needed to pay Discover in order to get a credit rescore, to add a possible XXXX points. It was then that I reminded her, that paying discover could not happen due to the first failed attempt, and it having to be claimed as income, due to the 10-99 C form. She then advised me to contact them, let them know what's going on, and to request a letter from them stating the account was closed and charged off, in which Discover agreed to do, but the letter was never received via fax or through mail, as stated and agreed it would be. My loan officer then decided it was a good idea to call Discover, because they are reporting an unpaid balance to the credit bureaus, showing as if I could pay to clear it up. So on the evening of XX/XX/XXXX, my loan officer and I got on a conference call with Discover, attempting to resolve the issue. After being transferred through three different people, the third and final person, tried to explain the account would not show a zero balance as it wasn't paid off, however it was wrote off. He also began to state, that I could send a check voluntarily to show the zero balance, and to still file the 10-99C form because it wouldn't be retracted upon payment. My concern is simple, when attempting to pay, understanding it wouldn't be totally removed from my credit history, just the zero balance, I was advised of this write off and 10-99C form. I am now able to send in a " voluntary payment '' for a charged off account? How is that possible? Discover wants to not only still get their money, but are willing to not up front take the money, but " voluntarily '' take it, while still claiming the lost, and holding my points as they report this unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: OH
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/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-07-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) states No Consumer reporting agency may make any consumer report containing any of the following items of information, any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years. And lastly under 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. Accounts for deletion : N/A 733472B06940 reported 3/23 Past due {$2400.00}, Accounts for deletion : XXXX  XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: MoneyLion 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:
Have tried to call XXXX to report that someone took out an installment loan for {$500.00} using my social security number or with my social security number registered to their account. I can not get through to this online lender despite five or more tries. Because someone else used my social security number, I am not the client that is recognized. The loan is now delinquent and is be reflected on my credit reports, despite the fact that I did not ask for or establish a loan and my social security number is either being used in error or fraudulently. 
The loan was taken out on XX/XX/2021, according to XXXX etc. I had a fraud alert already established ( on XX/XX/XXXX ) despite this a new installment loan was issued by MoneyLion. The amount of the fraudulent installment loan is {$500.00} and the XXXX payment is delinquent by whomever fraudulently took this out.

Company response to consumer: Closed with explanation