BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
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: Investigation took more than 30 days

Complaint:
As long as Equifax avoids addressing my issues I will continue to send compliants via this portal. I have asked repeatedly that negative information be corrected because of inaccuracies and so has the credit card company, but Equifax won't even read my dispute to see what I am referring to exactly. I have so many generic responses from them in letters and on Equifax.com that I am getting so frustrated asking for specifics to be verified because all they do is verify the whole account and disregard my specific complaint completely. When a small piece of information impacts my whole financial life how dare they pretend like they can't hear me or see my issue. what is the purpose of deleting all around that month but not that month??????? Why not address the specific month and the specific information I am disputing and STOP brushing consumers off with mediocre responses and generalizing a complaint and refusing to change the misinformation? The XXXX account that begins with XXXX has and incorrect 30 day late that XXXX acknowledge and reversed due to fraud, for some horrible reason Equifax, and only Equifax, is not changing the negative information and so I ask them to remove the whole account as it violates the law but I get the sam robotic response from them .... 

How many months do people need to wait for Equifax to respond, acknowledge or consider what is being complained about and correct or delete the account based on facts, phone calls, fraud alerts and complaint history?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
on all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies will not remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I made Several attempts to XXXX, XXXX, Equifax remove the Bankruptcy off my credit report. it showing that I filed a XXXX XXXXXXXX with i didn't. and XXXX XXXX I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: DC
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 received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus XXXX, Experian, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.

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 2023-05-29
Company: EQUIFAX, INC.
State: FL
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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple times I have contacted all 3 credit bureaus XXXX, XXXX, XXXX about the false collections showing on my credit for XXXX XXXX through a collection company called Ad Astra Recovery Service for XXXX. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion refuses to remove negative information even after I sent them an Identity Theft Report from FTC and a police report from XXXXXXXX XXXX. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft report until XX/XX/XXXX.They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. These are the accounts in question. All the accounts I am disputing are listed below. I could was only able to upload 10MB on cfpb website. I also sent this information by certified mail to Transunion, XXXX XXXX # XXXX XXXX XXXX ACCOUNT BEGINNING IN XXXX - {$96000.00} XXXX XXXX  ACCOUNT BEGINNING IN XXXX - {$19000.00XXXX XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$10000.00} XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$19000.00} XXXX BEGINNING IN XXXX - {$46000.00} XXXX BEGINNING IN XXXX - {$45000.00} XXXX XXXX  ENDING IN XXXX - {$12000.00} XXXX XXXX ENDING IN XXXX - {$21000.00} XXXX XXXX XXXX  ENDING IN XXXX {$14000.00} XXXX XXXX XXXX  ENDING IN XXXX - {$14000.00}

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 non-monetary relief
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: CT
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 repeatedly filed complaints with the Equifax regarding fraudulent activity on my account, but they have closed the claims without my acknowledgment. Despite my efforts to provide the necessary information to rectify the situation, the company has failed to take appropriate action. I have sent multiple certified letters to Equifax in XXXX alone, requesting the removal of incorrect addresses, names, and hard inquiries on my credit report. However, Equifax has not responded to my requests, and my personal information remains accessible to unauthorized individuals. I have also noticed numerous variations of my name on my credit report that do not match my state ID, which is concerning. I am determined to continue filing complaints until my personal information is updated, removed, or rectified, and I urge the third party to take appropriate action to address these issues. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: IL
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:
For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

For Open Account Invalid Latepayment XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: TN
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX 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 XXXXXXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} 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
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 recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 

The details of the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect as I have never opened or authorized these accounts. 


I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/, Barclay 's Bank of Delaware pulled my report without my permission. I disputed this inquiry with XXXX I let them know I did not authorize this inquiry. I even sent XXXX a police report and they claim that they were verified. According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file and certification. company name : XXXXatclay Bank of Delaware DATE OF INQUIRY : 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 2023-04-08
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo Claim Number : XXXX I have multiple transactions showing up on my bank statement as " XXXX. '' The transactions total about XXXX. -- - On XX/XX/2021, I contacted Wells Fargo and informed them that the charges were not authorized by me and that I have never had any dealings with XXXX. They informed me that they would get back to me within 2-10 business days. -- - On XX/XX/2021, I received an email from Wells Fargo informing me that the claim had been completed and a letter detailing the resolution would be mailed to my home address. -- - Immediately upon receiving the email, I contacted Wells Fargo to obtain more information regarding the resolution of my claim. I was then informed by an agent of Wells Fargo that my claim was denied ; however, she did not have any more information regarding the claim available to her and that I should wait for the letter in the mail. After repeatedly requesting to speak to someone " immediately '' regarding the issue, the agent transferred my call to the Claims Resolution Department. -- - The Claims Resolution Department representative informed me that my case was closed and that the reasoning for the denial was " previous transactions with XXXXXXXX, '' which I presume is the business behind the " XXXX  '' transactions at issue. -- - I then informed the representative that at the time of opening my claim with Wells Fargo, I informed the representative who opened my claim that I had " never transacted with XXXX  '' and I did not use any XXXX I further informed the representative that I informed the representative that opened my claim that I never transacted with XXXX  and that this information was stated on a recorded line for them to review. -- - Simply put, there are unauthorized fraudulent transactions on my account from sources that I have never personally transacted with. If there are prior transactions that are not included in my claim, the proper action for Wells Fargo to take is to include those transactions in my claim since I stated that I never transacted with these entities. -- - Instead, Wells Fargo denied and closed my claim. This is outrageous and despicable that over XXXX dollars can be taken from my account by unauthorized transactions and Wells Fargo could somehow close this claim without even speaking to me or asking any follow-up questions for over 10 calendar days before simply sending an email and denying my claim. -- - I would like my XXXX back immediately and also any other funds that were lost by " XXXX  '' transactions. -- - Please assist me in recovering my funds from Wells Fargo who is supposed to have an obligation to not hold me accountable for fraudulent transactions. -- -

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 2022-12-30
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Credit Karma showed a few credit cards that they said I had an excellent chance of being approved for.. They also offered a guarantee that if I wasn't approved for it they would give me {$50.00}. I received the letter from the bank saying they declined it and I would receive an email with the information. Credit Karma stated that it took XXXX XXXX XXXX days for them to hear back. After two weeks I inquired about the {$50.00} and they said they would look into it and stated it could take up to 60 days to hear back. When I contacted them at the 5 week mark they said they hadn't heard back from me and closed the case. I asked them to reopen it to which they opened a whole new case and now are saying they need the documents from the credit card company as to why I was declined.. The credit card company doesn't keep documents that long and I believe Credit Karma knew that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation