BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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 am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account immediately! 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NC
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXXXXXX XXXX : {$300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXX XXXX : {$4900.00} 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Information is being shared, trafficked and transferred without my consent. my personal information is being sold for profit with inaccurate information and without permission. I feel like I am being discriminated against by this company. Since they are buying inaccurate information and without due diligence they resale this inaccurate information without permission or without validation. I was just made aware that this is illegal practice being used by this company. Ive had accounts closed and credit limit decreases due to this false information being sold. Ive attached the XXXX and XXXX fraud account that was being reported for 6 months and after I've contacted them and served them with paperwork they had their company remove them from my file after I was denied from this company for XXXX straight months. 

these are wrong addresses being reported XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX the following accounts are reporting the Wrong Balances XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Late payment This acct is being shared, trafficked and transferred without my consent XXXX my personal information is being sold for profit with inaccurate information and without permission. I feel like I am being discriminated against by this company. Since they are buying inaccurate information and without due diligence they resale this inaccurate information without permission or without validation. I was just made aware that this is illegal practice being used by this company.

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 2022-11-09
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:
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 need to investigate and correct 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
Im a victim of identity theft. XXXX, Experian, XXXX and their non affiliated XXXX parties are violating the Fair Credit Reporting Act and the XXXX XXXX XXXX XXXX. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS

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 2018-04-27
Company: EQUIFAX, 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:
At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and Equifax stated that the items are under investigation and XXXX has done nothing. 30 days have passed and I sent my SECOND request to Equifax and XXXX, Equifax stated again under investigation and XXXX  has again done nothing which is why I decide to come here for help, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 credit inquires that I never authorized or applied for. 1. JPMCB. I never applied to this company and never requested a credit from them. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: TN
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 XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in 2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX  with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to draw your attention to 15 USC 1681c-2 , which states : " 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. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX  ) for this matter. I kindly request that you adhere to the legal obligations outlined in 15 USC 1681c-2 and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1700.00} ; 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 2023-06-05
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an attempt to collect letter dated XX/XX/2023 from IQ Data International on XX/XX/2023 and was informed to write to them by XX/XX/2023 to dispute and that they must stop collection on any amount that I dispute until they send me information that shows I owe the debt. I sent a debt verification letter to IQ Data International on XX/XX/2023 via certified mail. I've sent debt verifications letters again on XX/XX/2023 & XX/XX/2023, also certified mail. IQ Data International begin reporting negative information along with interest charges to all credit bureaus with remarks that the account was disputed by the consumer but have yet to prove this debt belongs to me. This negative information is being reported illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/21 I received a quote for a 8 ' container from XXXX  to be delivered to my sons XXXX  home on XX/XX/21, picked up when loaded & delivered to his XXXX  home, no one need be there for delivery or pickup of the container. I received a order confirmation for a 8 ' pod for {$1900.00} total. On XX/XX/21 a 16 ' pod was delivered to my sons home. this was either a mistake by the company or a bait & switch. I rececived a change order confirmation stating that the 8 ' container was cancelled & the 16 ' container was delivered on XX/XX/21 two days after it was left in my sons driveway. When I became aware of this around XX/XX/21 I called XXXX  to complain & was told a person with authority would get back to me, they did not. I made 3 more calls to XXXX beforeXXXX & got the same response & no call back. I called Capital One XXXX, the credit card I'd given to XXXX  & told them what happen & asked to put a hold on all charges from XXXX, that I was going thru a very stressful time & would clear things up when I got back to my XXXX  home. We have been through 5 monthly statements to date. I have mailed, faxed & emailed the quote, order confirmation & change order confirmation to Capital One during this time & explained countless times over hours of phone calls explaining this was the only documentation I have. Since I was in CT & paying my XXXX & XXXX Capital One bill by phone I wasn't sure what was going on, When I got home & collected my mail I saw each statement showing that Capital One didn't put a hold on all charges from XXXX  & generally messed up the dispute process bringing us to where we are today. Since we did have the pod more then 30 days I would owe PODS {$250.00} more for a total of {$2100.00} tax included ( XXXX CT tax ) to this point on 4 monthly statements starting with XXXX XXXX I have paid {$2100.00} so I should only owe {$56.00} that is why I've added & subtracted the POD credit & charge from from the XX/XX/XXXX statement since it is more then time to get the billing straight. PODS should honor the original order pricing & stop pretending that I in anyway authorized a change. XXXX XXXX -- XXXX XXXX XXXX XXXX -- XXXX, FL -- XXXX -- XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22
Company: U.S. BANCORP
State: MD
Product: Credit 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:
My Fidelity Investment credit card was compromised twice in the last two months. I have opened fraud investigations and I spent more than an hour on the phone with a representative and at the end of the call, I asked the representative how much I had to pay this month and was told that I did not have to pay anything because I had all these wacky charges on my card and I had already paid during this billing cycle. Several days later, I was charged interested and late fees on my card balance. 

1 ) I ask that the company remove the interest and late fees.

2 ) Help me sort out how much I owe on this card as I simply can not figure it out. Too many items are in dispute status, and some are not, and I can not figure out the calculations. 
3 ) Work out some interesting/penalty free way to finish all the disputes and get the credit card balance to XXXX. -- I can't figure out what is going on because there are thousands of dollars of fraudulent charges on this 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 2023-06-05
Company: Incomm Holdings Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$300.00} XXXX prepaid XXXX gift card from XXXX as a present. The card thats included within the packaging is not recognized by the website or by the customer service of this company. I have called them and spent numerous hours on hold and their representatives state that the card # can not be found. They opened a case for me but when I followed up a month later they could not locate the case #. They have opened another case but I do not have hopes for any resolution here because they state that the case ID is the only way they can look up the profile and that your name and phone number can not be used to verify the info. I have a strong feeling that when I call to follow ip again in a month this case ID will not be found as well. I went to XXXX and asked to speak with a manager and was told that unfortunately they can not help as this is between me and securespend. I do not know what to do at this point, hence Im seeking your assistance in obtaining my {$300.00} back. I have a receipt as proof of purchase for this card, and continue to have the card and the original packaging that it came in. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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