BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS 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 non-monetary relief
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: GA
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:
To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: The Outsource Group, 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:
A charge of {$51000.00} appeared on my credit reports after a dispute with XXXX ( on behalf of XXXX XXXX XXXX. This account does not belong to me. 

I was shocked to see this report, after XXXX XXXX XXXX agreed during our numerous phone conversations that this is a case of mistaken identity. I have never utilized any form of air transportation. They confirmed that my social security number, date of birth and address did not match the client you were searching for. I assume all of the personal information i gave was used to trash my credit. 

Also please note that the date of service on attached bill below XX/XX/2016 was before I even resided at this address. In order to steal my identity, someone would have known where I was moving before I did. This is NOT identity fraud. It is fraudulent use of my information by XXXX. 

In attached, please note that my last name does not match their clients. 

They acknowledged that I was not their client. But then shortly thereafter, my credit score dropped from high 800s to XXXX. 

Since these mistaken charges have been placed on my credit report, I have suffered tremendous financial loss. 

I have sent certified mail dispute letters to each credit bureau, XXXX and XXXX XXXX XXXX. XXXX responded with mail assuring me that this is actually me. 

This is not my account and I would like this false information removed from my credit reports. 

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 2022-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020my wallet was stolen which included my FL Driver 's License, Social Security Card and my credit cards .... I called my creditors and informed them what happened and received new account numbers .... On XX/XX/2020, I received a call from XXXX  XXXX fraud dpt asking me if I tried to open a XXXX   credit card with XXXX  XXXX, I explained to her about the theft on XX/XX/XXXX and the application was cancelled and noted as fraud. The XXXX  XXXX representative gave me the numbers for XXXX, XXXX XXXX and Equifax, ,also the identity theft.gov where I filed the complaint on XX/XX/XXXX ... 
I have been successful in getting a credit freeze with XXXX, and XXXX ; however, I tried calling Equifax on Saturday the XXXX, and they were closed. On Sunday the XXXX, I tried getting a freeze on their website and before I could finish I needed a pin number and I could call, or they would mail it to me. I decided to wait until Monday to call and speak with them, but it is an automated system which apparently could not verify my identity after I gave them my name, DOB, and SS # ... .. I emailed them informing them of my situation and if credit card was opened fraudulantly, they would be responsible due to their negligence ... .. They are the worst, they should be shut down ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NC
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is an update regarding American Express who opened and REVERSED the conditional credit THREE TIMES. Please refer to COMPLAINT XXXX XXXX XXXX XXXX XXXX 
Last week I spoke with their Dispute person in Florida who agreed with me that NOBODY should stay in a motel like XXXX because of HEALTH HAZARD. 
TODAY, they reversed the conditional credit the THIRD time and sent this : " Dear XXXX XXXX We have an update on the {$1100.00} charge you disputed with XXXX XXXX. 
Merchant has provided the signed receipt and sufficient documents that shows before check-in you have inspected the room and found it as described and also offered the different room the next day. Merchant has no refund policy signed by you. However, at this time we can only suggest that you to try to resolve this matter directly with the merchant to reach a mutually agreeable resolution. '' I also contacted XXXX XXXX XXXX, the XXXX of AmEX office two weeks ago, and there is no response. 

As I mentioned before, the merchant 's policy is " Misrepresentation voids reservation '' ( please see this in the photo attached ). This must work for BOTH parties. The merchant misrepresented goods and services when I made this reservation and paid the deposit over the phone. Instead of a clean place, they give people a XXXX room. The alternative room they mentioned in a response was on the third floor, and there is no elevator. My XXXX XXXX XXXX could not endure the stairs. I had to leave the next morning. This was supposed to be my first vacation after the course of XXXX. I had no vacation. 

I protest the situation when AmEx takes the side of an unscrupulous merchant. This is a robbery. The motel robbed me of my vacation, and AmEx is encouraging the merchant to continue doing this. I have XXXX in remission, and I can not breathe BLACK MOLDXXXX which is EVERYWHERE in this motel ( please see the scans of other people 's reviews from XXXX ). NO healthy person should stay in this room either. What AmEx is doing is criminal. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MN
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 non-monetary relief
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: UT
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:
Equifax Information Services, LLC is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services , LLC. 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 
3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a store credit card with Kohls. I made a in store purchase at Kohls in XXXX of XXXX  in the amount of {$37.00}. I was signed up for electronic delivery for statements but never received an emailed statement. I was then notified by XXXX that Koh 's had reported a balance +60 days unpaid. I immediately went on to Kohl 's website and paid the original balance and all late fees as well as changed my billing preference to paper. I called Kohl 's customer service to advise them that I was never receiving the emailed statements. The individual said they could not discuss it with me but was happy to help be cancel my card. I proceeded to cancel my card. The next day XXXX notified me that my XXXX XXXX was decreased as a result of what Kohl 's reported. I called Kohl 's again and spoke with XXXX ( XXXX ) and explained that I was never receiving the emailed statements and asked if she can provide me with verification that they sent and delivered the statements to my email. She could not. I then asked if they could retract the negative reporting to the Credit Bureaus as a result of them not delivering me my statements. She said yes they could and I would receive a letter within 30 days from them. I received the letter yesterday and it said that they reviewed and will not be making an adjustment. I called Kohl 's today and spoke to XXXX and again explained that I was never receiving my statements and asked her why the prior representative said the negative reporting would be removed? I even shared that I asked her will it be removed and she said " yes since I never received my statements '' She said the prior representative probably misspoke. XXXX said that there is noting she can do to help me other than open another review with them. She also advised that I could not speak with anyone else who is actually conducting the review. I asked about why my statements were not sent to me for me to know that I had a balance and she said that they do not send them so she can not help me with that either. She said I could make a written request to them if I do obtain legal counsel. The bottom line is that they were not delivering me my statements as required leading to the negative reporting to the Credit Bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have send several emails to the CEO and payment center. I mailed a couple of letter no responds I investigated the information it keeps coming back no change.

I have 2 accounts with this company on my credit report. both accounts are showing paid in full 1 of the accounts is showing 3 payments with 30 days late 2 payments 30 days late on the other account then no payments then paid in full

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 2018-06-14
Company: DAS Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX w/ Collectrix garnished {$2500.00} from my wages and put a lien on my property for a debt I did not owe. It was the result of ID Theft. 

In addition he has threatened to sue me again, attempted to increase the amount of the original garnishment / judgment and now refuses to return the money after a Notice Of Entry Of Judgment has confirmed I was not the responsible for this debt. 

The courts also found he was not authorized to proceed as the assignee of the claim. Yet he garnished {$2500.00} and still has a lien on my property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: OneMain Finance Corporation
State: VA
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 REPORTIMG ACT ONEMAIN ACCT XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, CHILD SUPPORT XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, CHILD SUPPORT Account # XXXX, XXXX XXXX XXXX Account # 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 instruction

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