BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
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:
I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, 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:
In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store ( XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX  years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all XXXX credit reporting agencies. Equifax, who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX  years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the FTC. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX Credit Report, XXXX CAPITAL ONE shows " Original Amount '' of this loan {$19.00}. What " Loan ''?? This is Fraud or Identity theft, Someone has opened or used my Identity to acquire this amount of transactions, have no knowledge of what an how this amount came about, It does not apply to me. I have never acquired a balance of {$19000.00}. I reported to Capital One in XXXX, with no help or explanation. If it is on this Credt Report then Capital One put it there, but refuse to help me. It becomes difficult for me, to keep disputing and then I quit, It seems when ever I dispute an account I always get negative responses, or cover-ups, Or they can't see it, or it's not shown, or it applies to me, I can never get a direct answer. It saids always report Idenity theft fraud, etc. Then when you do, there is never any direct help. Then it shows, put a freeze, Credit Lock, Fraud Alert on Credt Reports, I have a Credt Lock and a Freeze and Fraud Alerts on reports in XXXX approx-forward. I never receive an Alert.I don't remember when I put my first Locks/Freezes, Fraud alerts. I will try to download a copy of this report. See bottom of report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-29
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 fraud alerts or security freezes

Complaint:
All three credit reporting agencies : Transunion, XXXX, XXXX do NOT have customer service that answers the phone. All three push consumers to an automated phone line where it is not possible to speak to a human. I've often had trouble logging in to their site and am unable to recover a password or unfreeze my credit, causing me to miss opportunities to apply for credit. 

Many other industries have requirements that customer service ( human ) must be available to customers. Why are these companies allowed to have such a large influence on our lives without being required to provide adequate human-based customer support? 

See attached file or try calling any of the toll-free number for any of the major reporting agencies and attempt to get a human on the phone- it is literally impossible. They simply have their system tell you it can not help you and then hangs-up on you. 
However if you pay them an annual fee - then they will answer your call. This is a way for them to try to bilk consumers out of money after they are already being paid by companies and being reckless with our data ( exposing our social security numbers in poorly protected systems ) Customers have no choice but to use these companies- so we MUST be given options to speak to them when things go wrong and they negatively impact our lives.

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 2022-07-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
comenity bank/XXXX reward XXXX credit card holder has been notify by bank they will discontinue the program, the problem is they don't want to redem your eran point, * their website does not give you option to redeem your point * they do not answer the phone call * if they answer after XXXX hr. waiting time, they give you all kind of excuse and at the end " sorry we can not help you at this time '', call back * its been more then 1 month i'm calling them to get my over XXXX point redeem,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My mortgage payment was wrongly sent to another account by my XXXX XXXX, because of This wrong transaction Ive got reported to XXXX, XXXX and Experian credit bureaus. In order to solve issue I certified mailed, my Bank statements, proof of payments where clearly shown, on time payments and dates of transactions I did emailed to XXXX, XXXX & Exprian. Both XXXX & XXXXcredit bureaus were accepted legal docs and cleared reports of my credit history. The only who doesnt want to help its consumer is EXPERIAN. I am having a really though time to explain them. Please help me to solve this issue with Experian credit bureau. 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 2023-09-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sold my home on XX/XX/2023. I called XXXX to inform them of the sell-closing and requested a letter to verfiy the account was paid in full with XXXX balance. The account is shown open with a balance owed on XXXX, Equifax, and XXXX etc ... as if I Stopped paying the mortgage. XXXX XXXX XXXX d/b/a XXXX XXXX even sent me a check for a Payoff refund check dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX900000521746399, DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXXXXXX DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, In accordance with the Fair Credit Reporting act XXXX. Account # 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.

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 2019-04-09
Company: EQUIFAX, INC.
State: NC
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:
This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : 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. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( XXXX XXXX. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX I # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX I # 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

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 2019-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  has failed to remove fraud alerts and unlock my report and it has caused an extreme amount of inquiries to accumulate on my report in attempt of credit rerun attempts that have been made. The automated phone system makes statement that confirms my report is unlocked and asks if I would like to lock. Based on the information that my report is confirmed unlocked credit has been attempted several times. I demand XXXX to delete every inquiry that is a multiple. Only one of any credit inquiry should remain as one inquiry. This alert and lock has prevented me from obtaining credit and is creating detriment from the inability to be approved for credit due to excessive inquiries and fraud alert and credit locked. This is the direct cause of our lives becoming unable to move forward and it is a violation of the reporting law to fail to fairly report my information and XXXX is violating my rights to fair credit reporting. Additionally I would not have had any issues if not for the act of XXXX to fail to provide true information regarding my report status. I did not ask for a fraud alert to become placed and although in the past there was reason to assume that need, I do not agree to it and demand removal of this so that I my be capable of purchasing a vehicle. Currently all Inquirer 's listed on my report are not authorized. Numerous attempts to assist me in obtaining financing were made without my authorization to rerun credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: ALLY FINANCIAL INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to send payment to my landlord via XXXX, which I had done five or six times before without a problem. The transaction was scheduled for XX/XX/2019, and it reported as successful on my end. The money never arrived at my landlord 's bank. I re-sent my rent, again via XXXX, and it went through, but now I have been double charged for rent and have not been refunded for the initial missing payment. My landlord and I have both contacted his bank, XXXX XXXX XXXX, and they have no record of an inbound payment. I have contacted my own bank, Ally, several times. They closed the ticket the first time after giving me some confirmation numbers that were of no help. I contacted them again twice, with no resolution. They say they are reviewing it and that it can take up to 90 days, but I'll be missing {$700.00} from my account while they pass around my third ticket in their offices with seemingly no recourse. 

Summary : I sent {$700.00} from Ally Bank via XXXX to my landlord. It never made it to him, but it was deducted from my account. I want my {$700.00} back.

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 2023-04-11
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 11. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation