BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with OneUnited Bank has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account XXXX : XXXX Bank XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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 was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencie s (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more  than 7 years old  ( 10 years for ban kruptcies ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP my cr edit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2023 I received a notificaton from XXXX XXXX that a company called ARS  XXXX XXXX XXXX XXXXXXXX Tennessee XXXXXXXX had added a debt to my XXXX Credit Report in the amount of {$8300.00}. I immediately disputed this debt with the credit bureaus as I had no knowledge what it was for or about. 

XXXX credit reporting agency still added this debt to my account with no opportunity to dispute, resolve or even be notified of what the debt was, in researching i found the collect rent debt, I reached out to the previous rental company XXXX XXXX XXXX Tennessee for verification or clarity and received no reply. 

I sent a letter to ARS company as well requesting information on what this debt is and what for. No response to either letter I have sent twice Since XX/XX/2023. 

I have to date not received any communication about the debt, no validation, no requested contract between the company and myself. No form of verification or explanation of the debt whatsoever. No responses to letters to validate and verify or delete have been honored by ARS  Company ( Absolute Recovery Services ) or XXXX XXXX has been received by me or sent to me. 

The Consumer Credit Bureau XXXX being made aware of this refuses to remove the debt as well. XXXX has responded and advised they show no record of the debt. XXXX has yet to respond to my request. I would like this debt removed from my Consumer Credit Report as it is false and has already caused me the loss of a mortgage loan. 

This is not fair as a consumer for a debt collector to just add derogatory unfounded items to my report causing a detrimental blemish on my history. 

I want this removed or validated and a printout of charges is not a validation before that is sent i need a legal and binding agreement and proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX I submitted a dispute of inaccurate information. XXXX came no response from the company. XXXX XXXX I called the company and they stated they did not receive any letter. According to usps postal services the mail was delivered and signed for. The company proceeded not to assist with removing or disputing negative remarks on my credit report that is impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: NC
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
After chapter  XXXX  completion my credit report should show this debt as closed with a  XXXX  balance. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance.  Review  carefully and follow the law. This debt was discharged in  XXXX  and should show closed and   XXXX   balance. This company intentionally sent out an update after discharge that had inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX    XXXX . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law. Account should be closed and show  XXXX  balance.

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 2017-05-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX   XXXX  . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law. Account should be closed and show  XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023. I applied for a car loan with Navy Federal Credit Union for the amount of {$15000.00} and was denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am having a problem with Experian. On their website they are showing inaccurate scores from XXXX and XXXX. Experian shows my XXXX score at XXXX while both XXXX XXXX  and XXXX XXXX both show my XXXX score to be XXXX, and Experian shows my XXXX score at XXXX while XXXX XXXX shows my XXXX score to be XXXX I have tried multiple times reaching out to Experian to ask why and am getting generic responses that do not pertain to my question of what they show the scores to be different. This now leads me to believe that my Experian score is more st likely not accurate. I am in the process of trying to purchase a home and these inaccuracies are making it difficult for me to quality for a loan. I really need this to be looked into so the correct scores are being displayed. 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 explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX  ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete )XX/XX/XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reportingXX/XX/XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XX/XX/XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XX/XX/XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$18000.00}.

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
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-24
Company: Experian Information Solutions 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 am upset a medical collection account was placed onto my credit report recently. I have no involvement with the account added to my credit report and is a direct result of identity theft. This account was opened fraudulently with my personal information without my knowledge. I am giving notice to Experian and demand this matter be taken seriously. I have included with this complaint copies of my FTC Report, Identity theft report, my personal identification card, and my social security card.

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 2017-05-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been actively monitoring my credit through  XXXX   XXXX . In the middle of  XXXX ,   XXXX  , Equifax reported information through  XXXX   XXXX , vwhich resulted in a  XXXX   XXXX  score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by th em ( No  credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through  XXXX   XXXX , even inquries as recent as  XXXX   XXXX ,   XXXX   ... .but, not my open, in good standing credit card account with  XXXX   XXXX   XXXX  If I have an account in good standing, which was previously showing on  XXXX   XXXX , I should have a credit score for reporting. I have eliminated the theory that  XXXX   XXXX  is the issue, as the rep from Equifax suggessted since I had purchased a subscription from  XXXX   (  I think thats the name ) and it showed my Equifax score a (  XXXX  ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the  XXXX   XXXX  account exist, is in good standing and reported by other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NE
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 emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
HI! 

XXXX I request a credit card increase and was denied. I received a letter with vague explanation as to why I was denied. 

XX/XX/XXXX - I request a credit card increase and was denied. I received a letter with vague explanation as to why I was denied. 


XXXX I request a credit card increase and was denied. I received a letter with vague explanation as to why I was denied. 

On XX/XX/XXXX ; I wrote the CEO XXXX XXXX and email regarding my concern and issues regarding getting a simple credit card increase. As of today XX/XX/XXXX ; I have not received a response from him nor any of his upper management / liaisons to assist with this matter. 

Today XX/XX/XXXX I took upon myself to reach out to customer service, I spoke to a manager by the name of XXXX XXXX he provided no last name or employee # ) who works in the XXXX fl Capital One office. I attempted to explain to him my frustration and concern. He begin to tell me he has no exact reason as to why I was denied, he this tells me to read the Q & A 's on their website to figure it out. HE than says a letter will be mailed with further details. As of today I received no letter, However theirs a copy of the same letter in my Capital One portal which again has no real specific explanation. I than request to speak to his manager he states there is NO mgr for me to speak with and proceeds to disconnect the call immediately. 

I have been a loyal customer with Capital One fr 3 year and this is the treatment I've received. NO help, Undervalued and disregarded. I have rights and should be properly communicated with about these matters as this is serious. I feel more could be done, I feel this company is acting in BIAS intend allowing certain ethnicities credit increases. The company is extremely unprofessional and have shown unfair practice to certain consumers. 

I am seeking the professional help of the CFPB to further investigate and help me in this matter of seeking a credit increase as well as reprimand of all employees involved! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation