BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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. 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 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-05-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I called the credit reporting agencies and let them know that the account from XXXX XXXX they're reporting is inaccurate and it shouldn't be there. I have proof that the account is not mine and it has to be deleted from my credit report. Below is a letter that shows what I'm writing is true. I have been trying to resolve this matter since 2021.

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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I am not liable for these collection/charge-off/closed accounts and the collection agencies are illegally reporting since I have never been contacted by them. They are ruining my credit permanently. The last resort is me sending in a physical letter with my social, the case description and number and my drivers license and the reason they aren't my accounts. They are extremely difficult to deal with any other way. Might as well try that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
I recently had a XXXX Credit Card closed by Capital One for the reason of " We are closing this account because we have observed activity on your account that is not consistent with our expectations of usage for personal, family or household purposes. '' on XXXX XXXX XXXX. I had a few dispute cases on the account, but it was small amounts, and one large amount. I feel treated unfairly as I have had 2 cards with them over the course of 1 year, built up better credit lines and they dropped both of my accounts for that reason, as well as having no proof provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Reporting company used your report improperly

Complaint:
Im order for there to be truth in lending and for me as a consumer to be able to get the best financial opportunities in the markets, CONSUMER REPORTS SHOULD BE 100 % ACCURATE

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 2023-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. TransUnion is reporting an account with XXXX XXXX on my credit report. While the burden of proof lies with XXXX XXXX XXXX TransUnion, I have issued an Affadavit of Fact & Identity Theft report ( attached ) of which neither XXXX XXXX  nor TransUnion have provided rebuttal. If TransUnion maintains my Affadavit of Fact & Identity Theft report are fraudulent, I have provided an Affadavit of Fact in rebuttal ( attached ) to be signed by TransUnion.

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 2023-05-24
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:
Shortly after returning from over 4 years XXXX XXXX XXXX XXXX XXXX XXXX charged me {$1400.00} in error, and despite numerous representatives telling me that the charge would be removed, it was never deleted from my account. I tried to get the attention of a supervisor or empowered representative from XXXX over ten times of several hours on the phone to ensure they followed through, but eventually I gave up and decided to go with another provider. Recently, despite an XXXX XXXX XXXX, I was denied a credit card because of a single negative mark on my credit from XXXX. I disputed the negative mark with Experian twice and each time they apparently conducted an investigation, but no information on the legitimacy of the charge from XXXX was provided to me and instead the negative mark continues. I do not want to have anything to do with XXXX after this colossal waste of my time trying to fix this error, but I still need this to be removed from my credit report. XXXX is famous in online reviews for being difficult to reach and unwilling to fix legitimate customer billing errors. XXXX representatives promise that errors will be fixed, but then do not follow through and the customer is left with the onus to either just pay, or have to call and explain the situation again and again.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}

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 2023-11-02
Company: Colony Brands, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against SEVENTH AVENUE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SEVENTH AVENUE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SEVENTH AVENUE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-06
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Simon's Agency, Inc.
State: NY
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 XXXX request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: SC
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:
HOLD UP!!! WAIT A MINUTE!!! This is my 2nd attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on 2 occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the credit reporting agency EQUIFAX is using a stall tactic claiming that I am using a 3rd party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such 3rd party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should EQUIFAX refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and caused me undue stress and defamed my character : 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 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
The following : XXXX. Account : XXXX XXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX # XXXX XXXX. Account : XXXX XXXX XXXXXXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXXXXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX  ; #, XXXX XXXX. Account : XXXX XXXX ; #, XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX XXXX. Account : XXXX XXXX XXXX ; # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX I learned that XXXX had a data breach which included my SSN and personal information, so I set about securing my credit. On XX/XX/XXXX I successfully froze my credit at XXXX and XXXX. I failed to freeze my credit at Equifax because I needed to create an account, and after verifying my information they claimed additional verification via mail was needed. I received my verification code via mail XX/XX/XXXX and put it in XX/XX/XXXX, receiving a " Welcome to myEquifax '' email. I still can not log into my account on XX/XX/XXXX though, and the website directs me to contact customer service via phone. 

Calling customer service via phone XX/XX/XXXX ( admittedly an off-day for support ) requires me to go through an hour of robot dialog. I follow the prompts ( admittedly very aggrevated at this point ) and verify my personal infomation ( including SSN ) only to be told that I should seek help at myEquifax online because support staff is unavailable. All I want to do is freeze my credit, why do I need to create an account with a business which has already leaked my personal information back in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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