BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 denied from getting a credit card with XXXX XXXX today XX/XX/20 because apparently there are accounts reflecting badly on my credit history ; I was not aware of these accounts and the reason for that is because none of those accounts are mine. The accounts are from these companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name. I am not affiliated to any of the companies I listed nor do I have any written/verbal contract with any of them. I did not benefit anything from these unauthorized accounts and I did not take part in any purchases or payments made towards these accounts. I have already filed a police report regarding these accounts.

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 2022-01-12
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has XXXX my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has XXXX my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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

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 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM A VICTIM OF ID THEFT DUE TO THE EXTENSIVE DATA BREACH VIOLATION FROM XXXX. I HAVE PROVIDED THE CREDIT REPORTING AGENCIES THE PROPER DOCUMENTATION TO BLOCK THE INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORTS YET THEY HAVE NOT COMPLIED.

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 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I notified Capital One Bank of Fraudulent charges on my account. There were over XXXX in Fraudulent charges and XXXX $ in ATM withdrawals. They told me at that time my card was frozen and could be used again. I woke up the morning of XX/XX/XXXX and my card had been used again for an additional XXXX XXXX I reported the fraud again and was promised a temporary credit until the investigation was over. I then waited the XXXX as the rep asked and nothing happened. I called back and was told XXXX business days for investigation. I requested a supervisor who then told me I still need to wait the 10 days. XXXX hour later I recieve ld an email saying my claim was denied and that no further action would be taken. I've called Capital One several times and they answer the phone but don't say anything they pick up and it's dead air. There was no investigation, this all happened over a span of XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-08-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive reviewed my credit report and noticed the following inaccurate items. 

The accounts below are not mine : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2023 Account Balance : {$140.00} Account Status : Unpaid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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:
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. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Klarna AB
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I hope all is well I would like all the late fees removed from my Klarna account please because its not my fault that XXXX allowed my account to get hacked and someone made charges on my Klarna that wasnt me. I filed a police report when it happened as well as contacted XXXX headquarters. Im now with XXXX XXXX due to all of this. They did a SIM card swap and was able to get in my phone and get access to my Klarna. Because of all of that it caused me to have late fees. Can you please remove the late fees it will make it easier for me to pay the balances. Thank you very much for your time. Have a wonderful day and please continue to be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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 filed an identity ftc report because I found inaccurate accounts on my credit report and nobody has helped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: NAVY FEDERAL CREDIT UNION
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: Personal information incorrect

Complaint:
first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX also XXXX is reporting that I have applied for two XXXX XXXX XXXX XXXX ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
navy federal card inquiry ( 2022 ) i need it removed XXXX is refusing to honor my wishes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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:
Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to XXXX Transunion & XXXX XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason XXXX and Transunion says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But Transunion and XXXX  are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.

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 2021-06-18
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:
I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : XXXX XXXX : XXXX This account is showing a high balance of {$1100.00}, but it is saying that I am also past due that amount. This information is incorrect. 
XXXX : XXXX I have asked for this account to be verified that the information reporting is correct. The agency has failed to do so. The account is showing on 1 report it is 120 days late on the other agency it is reported as a collection.

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 2022-02-07
Company: FCI Lender Services Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I got an interest-only mortgage through XXXX XXXX XXXXXXXX for {$100000.00} for my property at XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX. The property did not have a mortgage on it at that time. They also had me put my property located at XXXX XXXX XXXX XXXX up for collateral. The loan was supposed to be used to rehab the building. {$55000.00} of the loan went towards fees, taxes, insurance, and the water bill. I received about {$10000.00} at closing. They held {$40000.00} and was supposed to give it to me as I worked on the completion of the rehab. It was my understanding that I would get four {$10000.00} draws before XX/XX/XXXX, because that was when the payments of {$1100.00} per month would start. 
I received the first two draws of {$10000.00} but they started refusing to give me my money. It took a few weeks to receive {$5000.00} more. They wont give me anything now, but they take {$1100.00} per month directly from my checking account. This has caused so many problems for me. They are making it nearly impossible to complete the rehab and pay the loan back.

Based on their inspectors, who conducted four inspections, at {$120.00} per inspection, I have completed 99.79 % of the items listed in the Statement of Work. They want me to rewrite the Statement of Work now.

They took money from my checking account on the following dates : XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1.00}, XXXX XX/XX/XXXX - {$1100.00}

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 2023-08-16
Company: EQUIFAX, INC.
State: FL
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:
The following account is inaccurate and are in clear violation of my privacy. This is embarrassing and damaging to my reputation as a consumer. As the consumer I deman the following account to be DELETED FROM my credit report immediately I DID NOT GIVE ANY WRITTEN INSTRUCTIONS to have this accpunt on my consumer report. 
A consumer has the right to privacy They are in violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Account status incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a phone call from what I thought was the department of education however it turned out to be XXXX XXXX. They asked me all my information household size debt etc. They told me I could get my student loans lowered to {$39.00} a month with the REPAYE and that it would still be forgiven in the 20 yrs under the student loan forgiveness plan. I paid them a lump sum of {$390.00} on XX/XX/19 and then {$39.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. I got a bill from Navient stating I had been approved for the REPAY income driven based loan and my monthly payments were lowered to somewhere between $ XXXX {$180.00}. So I contacted XXXX and said I thought I wouldn't have to pay Navient anymore and just XXXX   the {$39.00} a month. They said Navient is my student loan and to pay them as well. So I knew then it was a scam. I contacted them telling them I was being scammed and wanted my money back and I could have had my loan lowered with Navient for free by doing it myself like I have in the past. They didn't respond to my email. I sent another email telling them I do not give them permission to take any more money from my account. Now I am unable to even log in to my Navient account, says they don't have record of me. Please help!

Company response to consumer: Closed with explanation