BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$150.00}

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to the creditors regarding the validity of the debt, but they did not provide any. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX - XXXX XXXX  XXXX, XXXX XXXX - XXXX XXXX  XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}. Please deletet these fraudulent accounts from my credit file ASAP.

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 2023-07-31
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
RE : Case Number : XXXX XXXX XXXX ref : XXXX : ref On Monday, XX/XX/2023, I cashed out {$300.00} to my XXXX XXXX  ending in XXXX. ( See Attached Exhibit A ) This XXXX is linked as a Debit Card to my Checking Account at XXXXXXXX XXXX ( Account ending in XXXX ). I pointed this out to customer support and they wanted me to contact XXXX XXXX XXXX XXXX. XXXX claims that they gave XXXX XXXX XXXX XXXX a deposit amount of {$290.00} and that I should contact them to get my money back. 
Support claimed that they would investigate. I gave Support all of the above information as requested including information demonstrating that I had previously cashed out {$100.00} at XXXX am on XX/XX/2023, to my XXXX ending in XXXX ( Exhibit B ) and said funds appeared immediately in my Checking Account ending in XXXX at XXXX XXXX in XXXX, NJ. ( See Exhibits C and D ) Later Support claimed that [ b ] ased on the information available, it appears the funds were dispensed properly and no error occurred with this transaction. As a result [ my ] dispute has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
I was made aware of an account and several inquiries appearing on my credit report that do not belong to me. I found out today XX/XX/20 because I had my credit ran to see if I pre-qualified for a home loan. I had no idea these inquiries and account were on my credit report because that are not mine and I didn't give anyone else permission to open this account or make these inquiries in my name. I don't know who is responsible for this but I have already filed a police report. I do not have any written/verbal contract with any of the companies listed on this report and I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit. I have filed a complaint with the CFPB regarding these inquiries and account that were opened without my authorization.

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked bureaus to do a thorough investigation of my credit files due to improper inaccuracies on my credit report. The credit bureaus responded back to me that they found no improper inaccuracies in my credit files. However, even after their investigation was completed I still found the same improper inaccuracies in my credit files. 

The account name is XXXX XXXX The account number is Account # XXXX And XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U. S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction, or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reached out to Capital One 's Fraud customer service today ( XXXX XXXX ), and I was told that my account was closed due to " observed activity on your account that is not consistent with our expectations of usage for personal, family or household purposes ''. When I asked for more details, I learned that it was because Capital One was unable to verify my income. 

However, the first time that Capital One requested my 3 most consecutive banking statements, I informed them that my newest bank account ( which I opened in XXXX cause I started my first out-of-college job in XXXX ) was only two months old. This is the account that my direct deposit is linked to. However, the representative that I spoke with on the phone ( XXXX XXXX ) told me that it had to be three consecutive bank statements so I should use another bank account ( despite my other bank account not showing the direct deposit ). As such, I listened to her advice and submitted the other bank statements ( not my recently opened account with the direct deposit ). 

Then, I called today ( XX/XX/XXXX ) to follow up, and I learned that my account was closed due to failed income verification. I explained this situation to the representative, and they said that they couldn't take any more documents cause my account is permanently closed. I'm frustrated because the previous customer service person told me that I would have the chance to submit the new bank statement if the old ones didn't pass verification. Additionally, it's ridiculous that my account was closed without even giving me the chance to prove my income successfully ( new bank statements, offer letter from employer, etc. ). 

Additionally, Capital One won't refund my {$390.00} annual card fee cause I " breached their terms and agreements ''. However, this is ridiculous since they didn't even try to take further steps to verify my income. Since my account was only opened for 4 weeks, Capital One is absolutely scamming my annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have legal rights under the 15 U.S. Code 1681. Inaccurate information was collected and placed on my credit reporting and its stopping me from gaining employment. I never received a call or letter from the company informing me that I owe and offering payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: ATG Credit, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Never done business with this third party collection agency. I dont know how they received my personal information without me be notified. This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: GA
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 disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My consumer rights have been violated by Experian, XXXX, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.

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 2023-07-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Netspend Corporation
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I loaded {$170.00} to my netspend checking account at XXXX. The next day I tried to make a purchase of {$37.00} and it was declined. When I tried to sign into my account I got a message stating : There is an issue with your account. Please contact customer service to resolve the issue at XXXX, as follows : Attached document. 
I'm on XXXX and could not get my medicine or food because of this. They wanted me to send copies of my drivers license, social security card and proof of address to them. I've had this account for XXXX years and am not sending my private information that they should already have. Also, the bank information on my ssa.gov account was changed to some bank and account number I have never heard of. I think it may have been XXXX XXXX or something like that. I got a new account and tried to changed it with the ssa. If my XXXX payment goes to this fraudulent account, I will collapse. I'm in my XXXX  and need my medicine and food. All I want is my {$170.00} back and this account closed forever. I have proof of my deposit if needed or anything else you may need me to do. I would appreciate it if you could expediate this. The stress is killing me. Thank You

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 2021-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used XXXX XXXX to pay an employee XXXX $ for a job, and they did not complete the job and disappeared. I filed a debit dispute with capital one bank for my checking account ending in XXXX and they quickly denied my claim and didnt investigate. They also caused my account to have a negaitve {$1000.00} balance and when I called to try to reopen the claim and provide new information, they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had opened a checking account with Citibank on XX/XX/XXXX and was waiting for the card to be sent in the mail. A few weeks go buy I tried to deposit checks via mobile app but always failed to work so I used my old bank account with a different bank because direct deposit had not worked yet it was taking time and I was being impatient. So it looked like I deposited the check twice to Citibank but I never spent the money and made sure I paid the fees for doing that. Fast forward to XX/XX/XXXX they told me my account was gon na be closed in 60 days. I wasnt able to turn off direct deposit in time to stop them from receiving a paystub ( {$1200.00} ) from the XXXX so I called them and they said to make sure I removed it from direct deposit and I would have to wait XXXX  days until they can mail it back to my address I provided to them. Fast forward to XX/XX/XXXX I called them again asking about the remaing balance because i had not recived an account closure item in the mail detailing why it was closed and the remaing balance that was sent to them. I was then informed by them They are requesting a " harmless claim '' to be sent from the bank/third party sender my employer uses ( XXXX XXXX in order to release the money back to XXXX to be distributed back to me. I informed them there was no legal action I am seeking I just wanted the remaining balance sent to me by mail like it says in their policy. But was told they couldn't do that and hung up.

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 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My consumer rights have been violated by XXXX, Transunion, and XXXX  for Account # XXXX. In accordance with the requirements of the FCRA ; U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Account # XXXX was added to my report in XXXX and was removed in XX/XX/XXXX. This collection account was reinserted on all three credit reports on XX/XX/XXXX. I received no such notification of the account being inserted back onto my reports. This is a violation of the FCRA. 

The pictures show the account was reported on my credit reports on XX/XX/XXXX. The account was subsequently removed in XX/XX/XXXX. And The last photo showing the account was reported back on my credit file on XX/XX/XXXX with a new and different balance.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-07-31
Company: The Outsource Group, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 at XXXX, I sent a debt verification letter, via USPS certified mail, to Medicredit , Inc . The letter asked to cease communication in this manor : " If you have good reason to believe that I am responsible for this debt, mail me the documents verifying the debt is mine. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XX/XX/2021 at XXXX XXXX, the letter was delivered to Medicredit , Inc . 

On XX/XX/XXXX, Medicredict, Inc sent a letter acknowledging I disputed the debt and they were investigating the matter. They asked that I call them to provide additional information and threatened that if I didn't call them, the debt would be considered mine. The letter also had " Payment Options, '' but did not require payment. This seems that they are still trying to actively collect this debt without proof. In the letter, no where did it verify the debt was mine and there were no documents from the original creditor showing this debt was mine or was outstanding. 

This is why I filed a complaint. The only communication I wanted was verification that the debt was mine and that they cease all other communication. Medicredit contacted me and verification was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: LA
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief