BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: VT
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:
Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to XXXX, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.

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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization?

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I was notified of a credit inquiry through XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from XXXX, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than 5 different numbers to contact XXXX. None could help. Including XXXX very own Fraud department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into Experian to file a dispute. They responded back on XX/XX/XXXX claiming XXXX verified the inquiry was accurate with no details ( no contact phone # for XXXX nor any supporting information ). 

XXXX bank and experian have not done an adequate job resolving this.

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 2023-08-01
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-07-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: TN
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 Account # 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 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-10-10
Company: EQUIFAX, INC.
State: NY
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:
I am writing to delete the following information on my Consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my Consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family and also trying to start my kids a business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: MI
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:
Experian reported incorrect information for the credit reporting for the month of XXXX. Credit card limit of XXXX dollar limit was reported 3 times in one month causing my score dropped significantly. The XXXX dollar credit card was at q XXXX balance and reported on XXXX XXXX and was not reported. inaccurate information was reported on both credit cards after a dispute was submitted on XX/XX/2022.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by XXXX XXXX  each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX  accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit 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 2023-03-16
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Wrote letter to Frontier Barclay MasterCard regarding charge for Frontier Airlines for {$590.00} for their Go Wild pass which was charged on XXXX XXXX. Also disputed with frontier. Their response was can not cancel, however in their ( Frontier ) terms and conditions it clearly states pass can be canceled. Service product does not Begin till XX/XX/XXXX Frontier claims you can go on their website, login under your account and go to section- XXXX XXXX XXXX and cancel at any time but when you go online that option is not available. And as of XX/XX/XXXX they are still selling that pass

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 2023-05-29
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
When I purchased the vehicle I was told and the paperwork I signed said the car was XXXX plus tax, I was going to be paying around XXXX in interest paying XXXX in total after interest and I was told also registration was taken care of I was supposed to get that in mail. I put XXXX down which should be paid to principal. Last time I talked to financing company they said loan was for XXXX together adter the XXXX down, which I would have never agreed to when buying if I was told that. So it's already XXXX my credit they can keep the car and my XXXX $ but this is very shady business practice at least I'm going to do is file a complaint against dealership and financing company. The financing company has been harassing my brother who has a new born baby in the house for weeks banging on his door, I don't even live in the same county as him but I was burglarized where I stay and needed some important mail to stay safe so I had it sent there my brother is XXXX and they still staking out his house like vulchars. Also if my loan was XXXX more after the XXXX down that puts it at a 50 % APR which is unrealistic and unheard of I would just simply not buy the car if these things were brought to my attention, the registration was never even paid either just a title transfer and I called in after a month ad mentioned my tags were bad and was told that they gave them to me which wasn't the case I now have tax Registration penalties I'm facing worth thousands

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Us bank has made so much stress in me and affected my credit with pay in 4 they charged me numerous overdraft fees and have falsely changed dates of deposits so that they can charge overdraft fees. The manager knew he was in the wrong and refunded some overdraft fees but not all and it should not have happened in the first place. They were rude unhelpful and told me to close my acct. I am a single mom and this has affected my credit and upsets me because when I closed my acct he gave me refund check of XXXX that was left un my bank but he ows me over XXXX and I will have to take to small claims because I have several statements printed and the show different details. If you look at my ending balance of XXXX on XXXX XXXX then add my deposits of XXXX that would be XXXX and if you subtract my card withdraws of XXXX if you subtract it leaves a balance of XXXX and the XXXX. Was in overdraft fees and 1 XXXX XXXX  transfer of XXXX so my ending balance should be XXXX and that is mine and owed to me and since they have messed up my credit that I was trying to re-establish and have cause me to have late charges and lowered available credit and issues so I'm paying for US Bank mistakes and I won't give up on fighting for my rights and I was treated unfair and I'm very upset.

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 2023-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found the account on my XXXX report, XXXX XXXX, I have no knowledge of this account. I have no knowledge of the original creditor. I have never been contacted by the collection agency nor the original creditor. According to the FCRA act I should have been contacted by the creditor. I have sent certified letter to the debt collector asking for validation which I have not had any communications from the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.

Company response to consumer: Closed with explanation