BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: OK
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:
Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX XXXX  XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
This business seems to have a false duplicate account with my name registered. I had an open account XXXX  which then then closed in XXXX. As of XXXX  this account concern has been a problem.

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 2023-07-17
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX, I tried to make a purchase from a merchant. I then received an email from the merchant asking for a copy of my government ID. I explained that I was not comfortable with this. The merchant assured me it was no problem that they would refund my money and just have me send money via XXXX through my banking app. I was also hesitant about this but the merchant took the money via XXXX. I later received merchandise in the mail from the merchant and it was not what I paid for. I reached out to the merchant regarding this and the merchant blocked me and went non responsive. It was apparent to me at this time that I was a victim of a scam. I tried for several days to reach the merchant regarding this and never was able to receive a response. I reached out to capital one and explained the situation and that I was a victim of a scam. Capital one allowed me to dispute the charge and said they would contact me for more information. I was never contacted and my claim was denied because the money was set via XXXX. Even though I informed them that I was scammed. I then asked could I dispute the original charge and they allowed me to dispute the original charge and said they would call me for more information. I was never called. My claim was again denied because the merchant was wise enough to refund the debit card transaction and take the money another way. I then went into the branch hoping that I would be able to show them proof I was taken advantage of and submit another dispute. I was told by the Branch Manager- to leave his establishment because there was nothing he could do for me and that I would just have accept my loss. I then filed a claim with the XXXX against the original merchant and also against Capital One. I have not been contacted and it was been over 2 weeks. I received an email from Capital One to beware of scammers taking money via XXXX but when I called in I was told that I could not file a dispute, my money would not be returned, there would be no investigation, and that I could not speak with a supervisor or have the supervisors name. I would like my money returned to me by Capital One, charged back to the Merchant. I was a victim of a fraudulent transaction and nothing is being done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: MoneyLion Inc.
State: AZ
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:
My credit report shows an old account with moneylion from 2019 which is a company I have never done business with. I called them multiple times after I noticed it on my report to report it as fraud to them and they kept giving me the run around saying they would look into it and then would just close the case without any resolution. This is an account that I was told was opened online with my information. They arent able to provide any documentation, ID, or signature supplied when this account was opened. This is not my account and needs to be removed off my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: DE
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. 

XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX 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 infor mation 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 2023-03-12
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a Banana Republic Rewards Mastercard for many years. Around XX/XX/XXXX, I saw that a fraudulent charge for around {$82.00} was posted to my account. I realized I hadn't used the card anyway in months, so I called to have the fraudulent charge investigated and removed, and my account closed. The account was closed, but Barclay 's sent me a statement with the fraudulent charge still on it, along with late penalties and interest. I assumed it was a mistake or would resolve in another billing cycle or two. But, in XX/XX/XXXX, I received another statement with the same fraudulent charge and even more penalties/interest. I called and reported the fraud again, and was assured my account was still closed. I received a message confirming that the investigation concluded the original single charge was fraud, and that everything would clear in 1-2 business cycles. But in XXXX, I got another statement with the same charge and additional penalties/interest, and now debt collectors have been leaving me voicemails. I called again, and spent hours getting bounced around Barclays ' customer service departments, until finally someone said they could see notations in my closed account indicating that the charge was fraud, but they would have to open a new case to have the penalties/interest removed. Well, I just received another statement for the same " past due '' amounts. Barclays ' behavior is unlawful, fraudulent, predatory, and causing extreme inconvenience. I am worried about my credit score and debt record, which to date has been excellent. 

I don't have my credit card or full account number anymore, and I never had an online account. But Barclays will be able to identify me through the last four digits of the account, my contact information, and XXXX : XX/XX/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 2023-07-17
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-03-12
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:
In accordance with the fair credit reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer can not furnish my access without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as for late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: VA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX. Please delete this account immediately.

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 2023-12-10
Company: EQUIFAX, INC.
State: TX
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:
Dear CFPB, I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that I am a victim of identity theft, and as such, I have submitted detailed information to the Federal Trade Commission ( FTC ) outlining the unauthorized accounts and inquiries associated with my name. I am writing to request the assistance of the Consumer Financial Protection Bureau in rectifying this situation. 

The unauthorized accounts on my credit report do not reflect my financial activities, and I firmly believe that I should not be held responsible for them. I have diligently followed the prescribed procedures for reporting identity theft to the FTC, providing all necessary documentation and information. In light of this, I kindly request that the Consumer Financial Protection Bureau ensures the prompt removal of these unauthorized accounts and inquiries from my credit report. 

I have attached a copy of the documentation I submitted to the FTC for your reference, including the Identity Theft Report and any supporting evidence. I trust that, with your intervention, we can rectify this situation promptly, protecting my rights and preventing any unwarranted damage to my creditworthiness. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if additional information is required or if there are any further steps I need to take. 

Thank you for your assistance in addressing this identity theft issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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: Old information reappears or never goes away

Complaint:
Between XXXX and XXXX XXXXXXXX XXXX took money from my XXXX XXXX XXXX credit card account. I informed XXXX that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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: Account status incorrect

Complaint:
This company is reporting me as late but my payment has been made and credited to my account.They are still showing me as owing over the credit limit but my bill is current.

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 2023-09-04
Company: Experian Information Solutions 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:
I'm sending this complaint to inform the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureau doesn't care at all that I want to dispute the fraudulent account that is reported on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off XXXX debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.

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 2023-12-10
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and I have just been recently checking on my credit report. While I was checking report I realized it was damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report and its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: PNC Bank N.A.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed on XX/XX/22. I called them to get the balance I needed to pay in order to get the car back they told me I needed to do a quick collect payment or pay at branch. There are no branches near me and no one does quick collect payments near me. I paid XXXX via check free pay on XX/XX/22. I verified with check free pay that my payment was delivered and now it is XX/XX/22 and they still cant find my payment and are refusing to release the vehicle even after I sent in receipts. This is affecting my life in a negative way and this is fraud as they have almost XXXX dollars and are refusing to help me.

Company response to consumer: Closed with explanation