BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent Kohls, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, Texas, XXXX XXXX Consumer Financial Protection Bureau XXXX, IA XXXX RE : XXXX Account Number XXXX XXXX XXXX XXXX. 

On XXXX, I entered into an agreement with an online XXXX XXXX XXXX, through XXXX  online Message an agent messaging service. At that time, my XXXX XXXX Account reported some delinquencies on my Experian Credit Report. The online XXXX XXXX  Agent asked if I would make a one-time payment of {$500.00} followed by recurring monthly payments of {$170.00}, then XXXX XXXX would remove the reported delinquent months on my Experian Credit Report. I agreed to those terms and made the one-time {$500.00} payment plus the recurring monthly {$170.00} payments. 

Nothing yet was done. So on XXXX, I again spoke with an online XXXX XXXX Agent. This Agent was able to read the agreement I made with XXXX XXXX on XXXX. At this time, I requested a letter be sent to me indicating that my XXXX XXXX Account is current with no delinquencies. This XXXX XXXX Agent informed me that it can take like 5 business days to create [ the letter ] and can take up to 7 days to receive it. 

I finally received a letter from XXXX dated XXXX. The letter states that we ( XXXX ) have updated your Credit Bureau Report. 

However and still today, XXXX still has not updated my Experian Credit Report to report no delinquencies. This is six months after I have agreed to XXXX terms ( one-time {$500.00} payment plus the recurring monthly {$170.00} payments ). 

I have sent letters to Experian with the attached XXXX XXXX letter indicating that XXXX would make the changes. Yet, I have received no response from Experian and my credit report remains the same. 

Please call me at XXXX XXXX XXXX XXXX XXXX, if further information is needed. 

Sincerely, 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 explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, XXXX, and Transunion that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the XXXX XXXX Letter

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 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 2023-08-16
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened the Best Buy credit card account to purchase a laptop for about {$650.00} at the Best Buy store in XXXX of XXXX. I was barely using my card at that time. Made small purchases at gas stations and fast food places. The Citi bank never mailed me paper statements since I opened an account. In the summer of XXXX, I got a bill stating that I owed {$4600.00}. I tried to call the bank numerous times, talking to a lot of different representatives about it. I was told that the charges were made on onlyfans.com site. I asked to mail me a transaction history. I received it in the mail. The statement listed multiple charges in different amounts on the same website within a few minutes at different dates. I called back the bank to notify that those charges were not mine. The Bank failed to recognize and notify me of the fraudulent activities that were going on my account during the Fall and summer of XXXX. I asked to connect me with the Security operation department to open an investigation. I made a few payments on my card while waiting. In XXXX of XXXX I received a letter from the Security operations department notifying that the investigation was completed and the disputed charges were removed from my account. Unfortunately, the letter did not provide any details on the amount of the removed disputed charges. I was not able to access the Citi bank website to view the information online, because the site does not recognize my credit card number. The card is no longer active. I received another bill afterwards, stating that I still owed {$4600.00}. I also received a letter threatening legal actions if I don't pay that amount. When I call the Citi bank by using my social security number, it automatically transfers me to the XXXX XXXX XXXX that is trying to collect the debt. The debt is not mine! I appreciate your assistance in this matter.

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 2020-12-14
Company: DISCOVER BANK
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2019 Discover Card alerted me to fraudulent activity on my card, closed the card, and sent me a new card. 

A service company that I was using at that time had their charge for {$95.00} denied because of the closed card. I updated my payment with the service company providing them a different Credit Card for payment. 

A few weeks later in XX/XX/2019 I cancelled my service with that service company, following the service company 's cancellation policy to call in and speak with a sales person. I did that and was told my service had been cancelled. 

Unfortunately that company proved to be dishonest and sent their people to my home which I refused explaining that I had cancelled service. In XX/XX/2019 I placed a second call and once again was transferred to a sales person who once again assured me that my service was cancelled. 

The company continued to send people to my home and I refused them each time and threatened to sue them for fraud and harassment if they did not stop. 

Over six ( 6 ) months after the original Discover Card account was closed, Discover Card allowed two separate charges by the service company to be approved and show up on my new account, which I never provided to the service company. I contacted Discover Card and disputed the charges. The service company only responded to one of the disputes claiming that we had a contract and Discover Card refused to reverse the charge. 

I spoke with three ( 3 ) different people all of whom refused to credit back the charge stating it was a recurring charge which I disputed. I submitted proof to Discover Card after they declined the charge from the service company in XX/XX/2019 that I provided the service company a different Credit Card for payment. 

Discover Card still refused to remove the charge from my account. I asked them how many times they denied charges to that account from the service provider from XX/XX/2019 through XX/XX/2019 and they refused to provide that information. 

After more than 15 years of being a loyal customer, paying off my balance every month, and never missing a payment, I closed my account with Discover Card and refuse to pay for the fraudulent charge. Discover Card has applied late payment fees to my closed account for the fraudulent charge that they allowed and is submitting non-payment notices to the Credit Bureaus attempting to harm my 800+ credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Credit reporting agencies are governed by 15 USC 1681. After providing my vital information XXXX, Transunion, and XXXX disregards my protected rights under XXXX XXXX XXXX and continues to violate my rights over and over. 

According to the FCRA AKA 15 USC 1681 i never authorized any credit reporting agency to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 

I have not received any response from XXXX, Transunion, and XXXX by mail or email. XXXX Transunion, and XXXX has failed to verify its method of verification as required by the FCRA. 

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record XXXX or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter if XXXX, Transunion, and XXXX choose to continue to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to XXXX, Transunion, and XXXX inaccurate/false reporting. Please attach if any an authentic signed contract whereas I gave XXXX, Transunion, and XXXX permission to report this account ( s ) mentioned herein as it will be used for my own and a judge 's inspection if this matter escalates to trail to contest these matters. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]

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 2023-07-18
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
Formerly, I made an investigation regarding this account with inaccurate information and no response or responses I have been receive and the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: IN
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TransferWise Ltd
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wise closed my account without notice ( no email or any communication ). 

I tried to login, account deactivated after years of use without any issues. 

They gave me no reason. 

I read their ToS and it could be only 2 things.

- can't have 2 personal accounts unless permitted < i literally spoke to a rep on live chat a year ago confirming it's OK for me to have 2 personal accounts since they're tied to 2 separate businesses. You can look up chat history to see this. 
- they receive a large XXXX transfer for me since SVB got taken over the FDIC, I moved my money to Wise just for a day to then transfer it to my newly opened XXXX corporate account that morning but by the time I'd access my own money, my account was deactivated without notice!!!! 

Now Wise has declined my appeal for incorrectly deactivating my account And I can't access my funds, getting half-complete answers, and saying it could take 30 days?! to have my appeal processed / funds sorted which is ridiculous

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

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Experian Information Solutions 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:
the credit bureaus are reporting my XXXX XXXX financial account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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 MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 explanation