BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: OH
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 been a victim of identity theft due to the lack of security with Experian with XXXX XXXX and XXXX just last XX/XX/XXXX XXXX XXXX and XXXX removed finally the N accuracies of a fraudulent account on my credit report. Experian on the other hand has not done their due diligence to properly handle this case I have disputed it over and over and now they say I can no longer dispute the case, I was a victim of identity theft. This was a case of identity theft and I approved it with the other two companies Now I am bringing this situation to consumer finance. I wish you didnt have to get to this level but I see no other way this company has lied for years. Theres so many inaccuracies with what theyre claiming the balance owed due the name of the company I would just like someone to look into this look at both XXXX XXXX full report and EQUIFAXs report and then go look at Experians report and you can just see how they are just running it through the system that is not how our system works. We are supposed to be protected from being victims of identity theft they have provided me with identity, safe protection, but yet they allow it to continue to occur, now this is a very since XXXX. I believe was the first time I was made aware of this and I have been rigorously disputing this if theres something else that I would have to do to somehow bring this to XXXX a head weigh I just do not feel that Experian has properly and with a human actually doing the investigation and not a computer program that just runs off a bunch of algorithms and put it into the system that is not how our system should be ran and if it is, thats why were in the trouble we are in now. I want to thank you for taking the time to listen to my case listen to my complaint and that everything I have been saying, since the beginning is the truth, I did not open that account did not know anything about the account, and I would like this to come to a peaceful conclusion. Thank you very much for listening to me again have a blessed day and a happy new year. 

Sincerely, 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 2023-09-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Some one open Macy account on XX/XX/ and charges {$920.00}. I only found out when Macy send the statement and credit card home on XX/XX/23. I try to request Macys for video of the charges on that date because I believe they have my identity and open on that date. If you ask Macys at XXXX XXXX XXXX in XXXX, TX on that date and at the men dept then you can see the person doing fraud. Because all Macys has camera inside store.

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 2023-06-05
Company: EQUIFAX, INC.
State: IL
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX returned a endorsed remittance slip provided by Capital One in which I Wrote on the negotiable instrument : Offer Accepted for value received {$560.00} for accord and satisfaction of the obligation due. Pay to the order : Capital Once :, for special deposits for special purposes such as bailment or general deposit. Acc # Ending : XXXX and added Without recourse, By accommodation : - to dishonor return within 2 days. on XX/XX/XXXX which they received and signed for XX/XX/XXXX. Capital One accepted and only applied {$1.00} to may balance and have been sending me late fee notices, interest and als reporting false information to the Credit agencies about me. 

I Then made another attempt XX/XX/XXXX which Capital One Received yet again and yet again not efforts have been made to resolve the issue. I then made another attempt but this time I sent a Notice Of Billing Error along with the Offer accepted for value on XXXX which Capital One received XX/XX/XXXX and still no written response nor efforts to resolve this problem. 

Also sent Conspicuous Notice : Enclosed is offer accepted, for an accord and satisfaction of the obligation due. To disregard this instrument still constitutes discharge due, to dishonor said negotiable instrument, payment must be sent back to the sender with a detailed explanation point for point as to why the instrument did not satisfy any claim associated with said " resident '' in accordance with GAAP as well as U.C.C. Article 3. Failure to apply discharge of the obligation to account ending XXXX associated with the claim will represent a billing error. 

Notice of billing error : 12 CFR 1026.13 ( 3 ) ( 4 ) ( 5 ) By Accommodation : Without Recourse I have attached all accompanying evidence for your review. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Information belongs to someone else

Complaint:
Hello, I am reporting because I have in my credit report the items that are not mine. I can not understand what to do in this situation. I want to ask you to remove these unknown inquiries because I checked them and I do not recognize the companies and why I have these inquiries. I am kindly asking you to pay attention and to help me with these inquires that suddenly appeared in my credit report. I am always paying attention to my activities and I can definitely say that these items are not mine.

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 2019-06-24
Company: SYNCHRONY FINANCIAL
State: TX
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:
I have been requesting a chargeback to the merchant of a fraudulent transaction since XX/XX/XXXX from paypal credit and they refuse. I made good faith tries to resolve and return merchandise with the merchant. They ignored me and then refused to send a prepaid return address label. They advertised that their vacuums worked on any surface, specifically carpet. The vacuums I was send do not move. It was a fraudulent transaction. What they sold me and what they sent me are two very different things. I then called PayPal credit and refused to pay the fraudulent charge as is my right with a credit card charge over {$50.00} perThe Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act section 170 105.33C. Paypal has, in violation of that law refused to chargeback the charge to the merchant. I have now filed a complaint with FTC.gov. I want the transaction chargedback to the merchant immediately. If the merchant then wishes to sue me then they are more than welcome, or they can provide a prepaid return address label. I am not going to pay to send it back to XXXX which would cost more than {$50.00}! Its a scam. It has been going on sinceXX/XX/2019

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 2023-09-07
Company: EQUIFAX, INC.
State: GA
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:
This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Global Lending Services LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX XXXX XXXX I had multiple identity thefts. Had addition monitoring services. In XXXX I reported fraud charges on a XXXXXXXX XXXX  credit card. After doing this, fraud charge was credited back to the account. I spoke with XXXXXXXX XXXX fraud department assuring me after there review they were able to confirm fraud / identity theft as the charge was in another state. Confirmed signatures did not match. I learned year or two later it was sent to collections. Now XX/XX/XXXX Resurgent collections has put this on my credit report. I have disputed this with all 3 credit agencies. To my understanding this was complete in XX/XX/XXXX. All other fraud from identity theft has been removed. There was cable, XXXX XXXX, energy. My purse was stolen out of my car in XXXX I believe this and a XXXX email is how it was compromised. I would like to dispute this issue immediately. Please assist me with doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When I try to open a Recents credit card with you guys I was denied and the only reason I was given was restricted account. I asked how to restrict it and they said I couldn't because I had a card that you guys charged off several several years ago. This is probably has to do with the time that I experienced identity theft and account takeovers it's many years old and I really think it would be fair to not treat me as a victim and give me a fair chance to apply to a credit card

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 2019-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

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 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
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: Account information incorrect

Complaint:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX  resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: OH
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 accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: T.S. Holdings
State: WA
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 had a balance with XXXX XXXX XXXX  which was well over the correct amount owed. I tracked down the debt and paid it through XXXX on XX/XX/20. The amount was {$3300.00} with a fee of {$97.00} for XXXX service fee. This account is still on my credit report being reported by XXXX XXXX XXXX with a balance of {$6500.00} as it's been collecting interest. I've reached out to the credit bureaus, to XXXX XXXX, and to XXXX XXXX XXXX. I have had no luck with reaching XXXX or XXXX XXXX who took the payment. This is drastically impacting my credit score and unfair as the debt has been well paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSWORLD SYSTEMS INC
State: VT
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permited by law I had not heard any specific actions taken to recertify the items I had identified as inaccurate or incomplete in my credit report. 
Items : TRANSWORLD SYSTEMS INC Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to recertify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a proper dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They charged 4 times loan amount. My spouse took loan out in my name and i been disputing every since divorce

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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