BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRAs. On XX/XX/2021, I mailed Equifax, XX/XX/XXXX andXX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OK
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:
XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and XXXX loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax XXXX loans from 2018 where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: OH
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 pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. XXXX XXXXXX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON EXPERIAN REPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to resolve the violation of my consumer rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 2068 ( a ) ( 3 ) : ( a ) Designation It shall be unlawful for any person to ( 3 ) fail or refuse to permit access to or copying of records, or fail or refuse to establish or maintain records, or fail or refuse to make reports or provide information, or fail or refuse to permit entry or inspection, as required under this chapter or rule thereunder ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Violation # 1 Chexsystems has failed to maintain record of my date of birth and social security issuance date, which they have falsely furnished as 1980 in the consumer report I have attached to this letter.

Violation # 2 - ( XXXX XXXX XXXX XXXX XXXX Uknown ) - Alleged transactions or experiences with XXXX XXXX XXXX were included in my consumer report - a clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The consequences for such violations are explained in 15 U.S. Code 2069 ( 1 ) - Civil penalties : Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.

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 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Company refuses to acknowledge that there is an error in their credit limit system. Keeps responding with a generic automated reply without even looking into it. If they look at their own reply, and read the documents on Capital one, they'll realize that the XXXX  denial is wrongly attributed to a secured card, which my card is not, and hasn't been for a long time now. The system seems to have never updated the card from secured. Nevertheless, the incompetent representatives at the executive office seem to not be able to understand this, or know how to research it. Instead replying with a voicemail, and auto generated letter through here. A voicemail which states a number to call them back on and extension, but they never pick up. And they all state that their only in the office till 4pm or so EST, which is 1pm PST. 

I suggest reading your reply, then reading your own website, before sending these terrible automated replies that don't like into the issue. 
I'll make it even easier and show the parts of the reply which are completely incorrect. 

" Were reaching out to you about the request submitted to the Consumer Financial protection Bureau ( CFPB ), regarding your credit limit. 
We understand you would like us to increase your credit limit. Unfortunately, for the reasons outlined in our letter ( enclosed ) dated XX/XX/2023, your account isnt eligible at this time. 
Please note that you may visit XXXX for more information about credit limit increases. " Okay, so " my account isn't eligible at this time '' Okay so let 's visit www.capitalone.com/credit-cards/credit-line-increase/ for more information about credit limit increases and see what it says. 

" 1. 
Are all Capital One cards eligible for a credit line increase? '' Some accounts aren't eligible for increased credit lines upon request. Accounts that are usually ineligible : Are new accounts opened within the past several months. 
Are secured credit cards. 
Have received a credit line increase or decrease over the past several months. 


So my account XXXX : Are new accounts opened within the past several months. 
NO Are secured credit cards. 
NO, but used to be so this is where the problem is!!! System was probably never updated to reflect this change! 

Have received a credit line increase or decrease over the past several months. 

NO. 


So until you actually fix this. I am more than glad to file regulatory complaints with CFPB, CA attorney general 's office, California Department XXXX XXXX XXXX and XXXX, Better Business Bureau, and so on, on repeat, until the problem is actually addressed and fixed. 

And not just replying with a cookie-cutter automated reply that chat XXXX could've wrote which is factually completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I reviewed my credit report and saw inaccurate information being reported about delinquent accounts. I then sent an Affidavit for Account Validation on XX/XX/XXXX, and it was verified as received on XX/XX/2022. It has been more than 30 days and I have not received a response from the company. They are still reporting inaccurate information about delinquent accounts on the credit report which is effecting the credit report in a negative way.

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 2020-02-21
Company: AVANTE
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am the executor of my fathers estate. He had a machine financed by XXXX XXXX. We made contact with XXXX to try and make arrangements for a family member to assume the loan. They did not agree, in turn the handed the account over to AvanteUSA Ltd. I was contacted on XXXX by XXXX XXXX. During the initial I told him I would need proof that they were contracted to discuss and collect the possible debt and proof of the debt. he refused to provide the information stating that they did not have to give me anything and that a driver would have proof when they pick up the asset. He became aggressive and confrontational to the point that I terminated the call. I called back and again spoke with him and reiterated the fact that a member of the family would like to assume the loan. He indicated he would be back in contact. During this call I again reiterated the fact that I would need proof of the debt and proof that they had been retained to collect it. He again refused and insisted they did not have to provide any documentation. 

On Friday the XXXX of XXXX I again received a call from a XXXX XXXX. He indicated that the original debt holder had refused anything less than payment in full or the surrender of the machine. I again indicated to him that I needed proof of the possible debt and proof that they were permitted to discuss the possible debt and or to pick up the machine. He once again refused to provide the information. He then demanded a date the asset could be retrieved. I indicated to him that I would not be able to provide that to him until I had my schedule in front of me and the necessary proof. I once again reiterated to him that I would need the requested documents for the Probate Court and prior to any further action. He again became agitated and confrontational. He demanded that I was not in control and that I could not control and had o say in a date and in requesting documentation. 

While the estate would like to come to some mutually beneficial arrangement with the original debt holder, as Executor I must also have documentation for the disposal of any assets or settlement of any debts the Estate may owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX and XXXX XXXX. Please correct and update.

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 2021-04-27
Company: Experian Information Solutions 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 sent several dispute letters ( l ast two disputes sent were XX/XX/XXXX & XX/XX/XXXX ) requesting that Experian provide documentation that the alleged inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX CARD Dated : XXXX XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX. Date : XX/XX/XXXX. I asked that they provide documentation associated with these accounts bearing my signature. In the absence of any such documentation bearng my signature, i request that all accusations of inquiries be immediately deleted from their credit file under my social security number. Experian response to my dispute is " inquiries are reporting on credit report up to 2years ''. They have not provided documentation nor removed these alleged inquiries from my report. Please investigate and request the removal of these inquiries.

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 2023-11-07
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Mid day XX/XX/XXXX, I went to the gym and my whole bag was stolen from me. My bag had my phone, wallet, ID, Social Security card and more inside. 
After I got home I logged in to lock my account and I seen several charges on my debit card, Credit cards and was told that a loan was applied for in my name. I called and told them I knew nothing about the transactions. Money was being moved around in my account and my account had been compromised. I got a new account and saving, A day later my account is in the negatives. I was told that navy federal took the money out of my account. For what reason I do not know. I dont know why I am being debited for something I did not do when its clearly fraud. I was told to do an appeal and I did that was denied as well and I was told because its similar transactions on my account, Yes its similar transactions on my account because I use mobile wallets and so forth. I had everything taken from me my checks and all. XXXX XXXX released to me that somebody posing as navy federal also moved money around in my account. I should not be faulted for this and I just want my money back that is rightfully mines and that I work for! I have nobody authorization to my account. I had to get a new phone. Cards everything, EVERYTHING WAS TAKEN FROM ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( American Express XXXX XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( American Express XXXX ) ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX ), has violated several of my rights.

15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: MD
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:
Submitted a dispute with Equifax and there are still inaccurate information being reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Duvera Billing Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Bread Financial Holdings, Inc.
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with COMENITYBANK/VICTORIA for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation