BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: PA
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:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, reported, and used. While the FCRA does not specifically address inaccurate charge-offs, it provides certain protections and procedures that can be relevant when disputing inaccurate information, including charge-offs, on your credit report. Here are some key provisions of the FCRA that may apply : 1. Accuracy of Information ( Section 607 ) : Credit reporting agencies ( CRAs ) are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. If you believe that the charge-off information reported on your credit file is inaccurate, you have the right to dispute it with the CRAs.

2. Investigation of Disputed Information ( Section 611 ) : When you dispute inaccurate information on your credit report, the CRAs must conduct a reasonable investigation into the matter. They are required to contact the creditor that provided the information and request verification or correction. The investigation should be completed within 30 days, although there are exceptions for certain circumstances. 
3. Reinvestigation of Disputed Information ( Section 611 ) : If you are dissatisfied with the outcome of the initial investigation or if the inaccurate charge-off information reappears on your credit report, you have the right to request a reinvestigation. The CRAs must conduct another reasonable investigation and provide you with a written response within 30 days.

4. Obligation to Correct or Delete Inaccurate Information ( Section 611 ) : If the CRAs find that the reported charge-off information is inaccurate or can not be verified, they must promptly correct or delete it from your credit report. They are also required to provide you with a free copy of your credit report reflecting the changes. 

It's important to note that while the FCRA outlines these rights and procedures, it does not guarantee that inaccurate charge-offs will be removed from your credit report. The outcome of a dispute depends on the results of the investigation and the accuracy of the information reported by the creditor. It may be helpful to gather supporting documentation and evidence to strengthen your case when disputing inaccurate charge-off information.

If you encounter challenges in resolving the issue through the credit reporting agencies, you may consider consulting with a consumer law attorney or contacting the Consumer Financial Protection Bureau ( CFPB ) for further guidance and assistance in asserting your rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Kikoff Inc.
State: MI
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 a Credit Monitoring account with XXXX*. In XXXX XXXXXXXX timeframe... I rec 'd a notification of many inquiries/accounts being opened in my name ( with my social security number ) that I did NOT authorize. I immediately asked the credit monitoring service to assist by requesting them to have a *freeze* put on my credit thru all 3 credit bureaus. 

I then opened an account with XXXX ( Federal Trade Commission ) regarding all the accounts opened as part of an obvious IDENTIFY THEFT. And then, followed all the recommendation by the FTC to send dispute letters to the creditors/lenders. I additionally contacted the fraudulent lenders by phone/email ... explaining my situation and asking for accounts to be closed. All that effort seemed to work except ONE ... KIKOFF LENDING. I have repeatedly ( XXXX XXXXXXXX ) tried to get KIKOFF LENDING to understand the Identify Theft... to no avail. 

I then created accounts with XXXX and XXXX ( not XXXX ... as I get a free XXXX credit report via my XXXX account... and it looks fine ). The XXXX and XXXX credit reports, however, show KIKOFF LENDING and a *closed / UNPAID* account. I, thus, filed disputes with XXXX and XXXX and the results of those disputes were unsatisfactory. They said... they verified- with XXXX - that the account was valid and belonged to me. IT DOES NOT belong to me and is not valid. 

Kikoff Lending , LLC - XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX - ( XXXX ) XXXX Again ... not my account... this is a result of FRAUD / ID THEFT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
Hello, my name is XXXX XXXX. I have had a claim with you guy in the past about a XXXX vehicle the back was changing me for well since that all got settled I see on my credit report I keep missing payments? I havent missed a single payment from any bills so Im thinking if it still has to do with the car situation. So if you guys could look into that for me that would be great I just dont understand why my credit is being destroyed over missed payments when Ive paid all my bills on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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:
THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-04
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:
These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called in today, XX/XX/2023 to speak to the secured credit card department approximately XXXX XXXX XXXX XXXX time I spoke with the representative who acted as if he could barely speak, clear or audible XXXX. I can understand. I explain to him very thoroughly why I was calling in about my account, and what information I was requesting he did not want to listen to my concerns so he offered to transfer me to a totally different department that I needed to speak with about my credit card, so after I explained to him again, what I needed it and I told him very clearly if he did not know how to help me if he could transfer me to his supervisor or to another agent in his department that could, and instead of transferring me, or putting me on hold to speak to a supervisor, he put me on on hold for a long time just for him to transfer me back to the general customer service number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Around XX/XX/XXXX I sent out a letter to XXXX over several inquiries that were either fraudulent or incorrect to date XXXX has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. XXXX has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for XXXX include : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX. TransUnion has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. TransUnion inquiries include : XXXX XXXX  - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, 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 2021-01-04
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:
These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely

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 2017-08-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account listed on my credit report twice by the name of " Jefferson Capital System ''  original creditor " XXXX ''. " Jefferson Capital System '' is n't licensed in the State of Texas and therefore I 'm disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
XXXX XXXXXXXX XXXX refunded me XXXX to correct an issue on a purchase in which they over charged me as well as fail to provide me with all the items I purchased from them. Capital one reversed the credit and are telling me I am not due that credit. XXXX  XXXX XXXX denies reversing the charge, and says that the issue is with capital one, not them. Capital one will not correct this, and talks in circles with no valid explanation, and refuses to give me back the credit I was given from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI 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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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

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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX  to check my credit score. I also noticed another highly impactful Revolving credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job Target/Td on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX CARD Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section 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.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.

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 2020-07-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I can not link my PNC bank account to XXXX  or any cryptocurrency exchanges. I am being blocked by PNC for trying to use my own money which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Bliksum, LLC
State: AZ
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:
On XX/XX/2019, I inquired about a temporary personal loan of {$2000.00} through a company called XXXX XXXX. When speaking with them, it was determined that they were unable to offer me the loan without vehicle collateral, but they offered to transfer me to a partner of theirs, LoanMe, who offers non-collateral loans. I agreed, and was transferred to LoanMe. 

When speaking with the loan agent at LoanMe, he asked me a series of questions pertaining to my income, residency, and occupation, then had to transfer me to a disclosure recording ( this is not atypical for banks, so it raised no concern ). Prior to transferring me to the disclosure, the agent never confirmed or discussed the amount I was attempting to borrow. He then came back on the line after I was done with the disclosure, and informed me that he'd already ran my credit and it was denied. When I inquired about the amount he ran the loan for, XXXX informed me that he went with the minimum amount they offer in Arizona 0 {$10000.00} at a 98 % interest rate! 

I was under the impression that when I was transferred to LoanMe, they already had the amount of {$2000.00} that I was seeking. Had I been properly informed of this information, I would have NEVER authorized them to run my credit. When I informed him of this, he said simply that he understands, but the loan was declined. I asked to speak with a supervisor to see about how to get this credit inquiry off my record and XXXX simply told me that there are no supervisors. I was disconnected twice, and had to call him back directly at ( XXXX ) XXXX, where I was disconnected again. After calling back a second time, XXXX transferred me to customer service, who said I needed to speak with a loan agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: TX
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE WITH THE UNAUTHORIZED INQUIRIES! 

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: AR
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 CONTACTED THIS COMPANY SEVERAL TIMES THROUGH EMAIL ABOUT ID THEFT, HOWEVER THIS INFO IS STILL REPORTING TO MY CONSUMER REPORT, I HAVE PROOF WE EMAIL AND THEY TOLD ME VIA EMAIL THEY REMOVED THIS FROM MY CONSUMER REPORT WITH 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