BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for your response, but nothing has come through as of yet. The unverified items stated below continue to report on my credit report in violation of federal law notwithstanding the prior written request. Despite my best efforts to resolve the issue directly with the creditor, the credit bureaus continued to report unsubstantiated information in violation of the Fair Credit Reporting Act, 15 USC sections 1681i, and did so with intentional XXXX and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. Please take the following things away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX 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 2023-10-27
Company: EQUIFAX, INC.
State: KS
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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
XXXX, this account was open on XX/XX/2016, this account is older that 7 years old and needs to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX is report to the Credit bureaus that this account is a charge-off, i pay a XXXX a month on this account, and it's not reflecting that, it shows a negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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:
I disputed a account on XX/XX/22 which was a week that account was paid off and closed. I then reached out to XXXX to confirm this information and they mailed a letter stating this account was paid in full. When trying to dispute the account again in XXXX it still didnt update my report. Now its almost XXXX and that information still reflects incorrectly on my account and I am trying to open a business and obtain a loan and this is interfering astronomically.

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 2023-05-25
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or a removal of the account on my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 explanation
Consumer complaint received 2022-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2022 I requested a balance transfer from my capital one credit card to my XXXX XXXX credit card. On XX/XX/XXXX, I realized I had used the virtual card number for capital one instead of the actual account number. I called XXXX XXXX to do a stop pay on that paper check. On XX/XX/2022, XXXX XXXX reissued the balance transfer to capital one on my request this was done as an electronic funds transfer and it happened instantly. Both the paper check and electronic fund transfer were for the exact same amounts ( {$2900.00} ). I have called capital one multiple times but they tell me that they have never receive the EFT, and that they only have receive the paper check with the stop pay. I currently have two debts with two different banks for the exact same amount, when I should only owe XXXX XXXX. I have provided capital one with the trace number and my issue has still not been resolved. It is impacting my credit score at this point and I am now at the point where I may need to find a legal representative to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: MS
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: LA
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:
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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-06-17
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: Old information reappears or never goes away

Complaint:
they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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:
I was informed by both a telephone operator and her supervisor the following : XXXX XXXX reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if XXXX XXXX report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error

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 2023-05-25
Company: EQUIFAX, 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:
I am a victim of identity theft and someone used my information to obtain credit card with XXXX XXXX  and XXXX. I have contacted these companies and spoke to their fraud department and was advised to file a dispute under fraud. These accounts are reported as closed. XXXX account number partial reported is XXXX and XXXX  account number partial reported is XXXX. These fraudulent accounts need to be deleted from XXXX, XXXX and Equifax I have already submitted my FTC fraud affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: LA
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:
There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There is an installment loan from a company called XXXX on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.

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 2022-06-17
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me several times a day including at night.. using different numbers sometimes with no caller Id. They also have been disgusting mail in different sorts of packaging.. today I received a pink bubble wrap type envelope with one sheet of paper in it threatening legal action. I messaged them that I have no money to give no job even. they have already ruined my credit. I went to a XX/XX/XXXX school and the school was found to be predatory but they expect me to pay for the loan. They need to stop. Im stressed out as it is.. with getting by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
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:
There is a XXXX XXXX XXXX reporting on my credit report account # XXXX that is charged off/written off in the amount of {$28000.00} that i never applied for on XXXX, equifax and XXXX wiithout my consent. And also there is a XXXX XXXX reporting as well that i did not authorize the opening of nor do i have knowledge of this company. I am a previous victim of identity theft, so i do not know how these came to be. Please have them removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This bank is committing fraud and neglecting their fiduciary duty as well as making defamatory statements about me and lying to federal regulators about the actions of their representatives to contact me. 

For a year now I have had to tolerate the repeated lie on XX/XX/2021 the branch XXXX of my local bank attempted to contact me. I already reported this was a lie and nothing has been done about it. I am requesting the banks insurance information to file a claim for this defamatory damaging lie that I refused or missed a contact by this branch XXXX. Please show me some proof any attempt to contact me was made. 

I would remind this bank they have a legal obligation to act in my best interest, please tell me what illegally and fraudulently lying about an attempt to contact me serves to help me. 

I was never apologized to for the harassment I received at this bank and am tired of being lied to, your bank has 30 days to provide their insurance information for spreading defamatory claims I already many months ago informed your bank was not true. If you fail to disclose your insurer 's information I will forward this to the local XXXX XXXX XXXX XXXX XXXX XXXX, the GA XXXX XXXX XXXX and the applicable state regulator agency for Insurance, I will find your insurer inform them you failed to contact them about this issue for which your company is liable likely in violation of contractual obligations with them and will take further action to collect for your tortious defamatory claims you tried to contact me and I failed to respond or refused contact from your branch XXXX who NEVER TRIED TO CALL ME AND SENT NO LETTERS THAT I DID RECEIVE! 

I have phone logs for the number I have on file and have had XXXX Informed Delivery since XX/XX/2021 so any contact attempt would be recorded. 
You will not lie your way out of this one. Your company has victimized me and illegally lied to federal regulators about your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid this company over {$870.00} so how can it say it wrote off the money if I paid them this and everyone of these reporting Agencies dont properly investigate all they wan na do is try to get more money from you and never correct any of the problems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid this company over {$870.00} so how can it say it wrote off the money if I paid them this and everyone of these reporting Agencies dont properly investigate all they wan na do is try to get more money from you and never correct any of the problems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON OR AROUND XXXX XXXX  MIDLAND CREDIT MANAGEMENT APPEARED ON MY CREDIT REPORT. I NEVER RECEIVED A NOTICE IN THE MAIL TO DISPUTE THIS DEBT PRIOR TO IT'S INSERTION ONTO MY CREDIT REPORTS NOR DID I KNOW I COULD. ON XXXX XXXX XXXX I SENT MIDLAND A DEBT VALIDATION LETTER VIA USPS CERTIFIED MAIL, THE TRACKING NUMBER IS XXXX XXXX XXXX XXXX XXXX. THE LETTER WAS SENT TO THE MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THE LETTER WAS RECEIVED ON XXXX XXXX XXXX AT XXXX XXXX. ONCE AGAIN I NEVER RECEIVED ANY FEEDBACK OR DEBT VALIDATION FROM MIDLAND CREDIT MANAGEMENT. AS OF XXXX MIDLAND'S ENTRIES  HAVE DAMAGED MY CREDIT RATING BY REPORTING NOT ONLY UNVALIDATED ACCOUNTS TO MY REPORTS BUT ALSO REPORTING FALSE INFORMATION. MIDLAND IS REPORTING TO XXXX  THAT I WAS 120 DAYS LATE FOR XXXX/XXXX. THIS IS NOT TRUE I HAVE NEVER MADE ANY PAYMENTS TO MIDLAND OR NOR HAVE I HAD ANY FINANCIAL OBLIGATIONS TO THEM. I AM DECLARING THIS DEBT AS NOT ACCURATE AND WOULD LIKE FOR IT TO BE REMOVED DUE TO MY CONSUMER RIGHTS PER THE FCRA BEING VIOLATED. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: M.A.R.S., Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX never contacted me about alleged debt. I was never given the opportunity to verify alleged debt. 

Amount of Alleged Debt XXXX 15 USC 1681b ( a ) ( 2 ) I never gave written consent to have anything from rent grow to furnish information on my report This is an infringement upon my privacy and has cause me to be discriminated against. 

M.A.R.S. INC still havent supplied me with evidence on how this information was verified before reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid this company over {$870.00} so how can it say it wrote off the money if I paid them this and everyone of these reporting Agencies dont properly investigate all they wan na do is try to get more money from you and never correct any of the problems

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