BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
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:
These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX, Balance : XXXX Closed XXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX  XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please remove my fraud alert and consumer statement.

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 2023-09-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax do not investigate my inquiries or my disputes.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 2020-12-25
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been the last 2 years of me requesting Debt Validation ( FTCA section 609 ), filed theft affidavits that showed my XXXX XXXX credit cards was stolen and used at the time and I was not legally responsible. XXXX XXXX XXXX has passed the buck and said they would get back after investigation for 2 years. I have emailed XXXX XXXX and now about to seek legal action. This is my final attempt to resolve this inaccurate credit report. I have lost my job behind this and now have anxiety and stress related to this collection agency. I have never received by signed signature in any transactions as requested. I was sent a statement by XXXX which clearly isnt what the law requires when validation of a debt. Especially when. XXXX XXXX was stolen. At the same time was XXXX XXXX was compromised and they are doing the same thing with this passing the buck to some Attorneys that forced me to pay {$200.00} and never reported it or validated they would help from my stolen cards.

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 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were 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 2023-10-02
Company: Goal Structured Solutions, LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I have been having difficulty in paying these private loans since XXXX XXXX XXXX XXXX XXXX withheld my XXXX XXXX because I was completely tapped out of both federal aid and private loan money. My federal loans are now in forbearance because of this scam for-profit school and now these scheming private loan lenders do not understand that I can not pay - because those loans were based on predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged over hundreds of dollars on overdraft fees. Had tried at the time, but rhe bank same nothing can be done. As enormous time my check was frozen until mid if the upcoming week, " for funds to clear. '' A total disaster as i left the bank with a mindset to " never '' use wells fargo again.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
transunion refuses to delete a fraudulent account off my report from XXXX known as XXXX XXXX XXXX i have never in my life given them my social security and it is causing me to rack up hard inquiries and denials due to a collection/charge off in which i have no knowledge off I NEED XXXX XXXX  XXXX NOW

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 2018-05-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got a auto loan for a car at 17 % interest..as the months passed into years I noticed my balance is still almost the same as when I first got the loan. I come to find out Im being charged daily interest and at this rate it will be impossible to pay off the loan. They tricked me into a Auto loan that is impossible to pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-12-25
Company: EQUIFAX, INC.
State: MS
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 purchased a leased vehicle in XX/XX/2020 and after i got home the car would not come out of park. i called the company XXXX XXXX XXXX address XXXX XXXX XXXX XXXX tn XXXX and they sent me to a mechanic in XXXX XXXX and he said he could not fix it but he told me there was a hole next to my gear to where they had been sticking a strew driver in there to make the gear come out of park and he gave me a strew driver to use until i could find a repair shop. so i called XXXX XXXX again and they sent me to a mechanics in XXXX, ms called XXXX XXXX XXXX and i took a chance driving it there and was trailed by my fiance. so in XX/XX/2020 took it to XXXX XXXX XXXX and left it there it took so long to fix almost 3 weeks and there was also other issues lots of wind sounds in car loud noise and not able to keep it in the road. so i decided i didnt want to take a chance on a car with all those issues so i made and agreement with the company when i spoke with XXXX to get the car from shop and they would not put the car balance on my credit and do a unwind and take it off my acccount. but 3 months later they called me and said that i had damaged the front of the car it had a lot of starches and i was really upset about that cause i had not even driven the car anywhere but the shop. XXXX XXXX stated that the towing company that picked the car up said it had damaged to it when they picked it up which it was no damaged when i took it to the shop. i called the shop on XXXX XX/XX/XXXX and they stated that XXXX XXXX let the car sit here 3 weeks before picking it up and the shop stated that if any damage occured it was when the tow company picked it up. so i never even knew of any damages they claiming until 3 months later. they never showed me pictures or even wrote me a letter. i think they claiming i damaged the car cause i was insisting they take the balance off my credit and they keep telling me they was gon na fix it until 3 months later coming up with damages to the car i suppose to have did. XXXX XXXX XXXX said that XXXX XXXX can call them and they will verify that the car was not damaged when i took it there and when i told XXXX XXXX what XXXX XXXX XXXX said they told me to just get my lawyer and to have my lawyer call their lawyer because they was not gon na take the balance off the account and they wont even say where the car is i never even took possession of car from the shop and they expect me to pay XXXX dollars for a car i dont even have possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed with the company and the company received my information according to certified mail.I have yet to receive the information has actually been verified. I have filed a report with the FTC regarding my information being compromised. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks have made it impossible to obtain new 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 2023-09-18
Company: EQUIFAX, INC.
State: FL
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that is needed to be UPDATED. The 3 credit bureaus must verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed item get corrected. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: AL
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:
I have contacted Equifax multiple times about XXXX XXXX  XXXX XXXX. This is inquiry is on my credit report XXXX times and I have enclosed an identity theft report with this fraudulent inquiry on there and they still have not removed these inquires. This are the ones in question. XX/XX/2022 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. Again, I am enclosing the Identity report once again. 

This was Equifax response. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXXXXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Inquiry : XXXX XXXXXXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX. 

They said that these inquiries were removed but they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had an unfortunate situation happen and I knew I was going to need some assistance with making payments on my capital one credit card. I called and the company gave me 3 months assistance by not charging me late fees as long as I made a {$50.00} payment each month. So I got back on track from my situation and I went to purchase a new home and I find out they put 2-30 day lates ; XX/XX/2019 and XX/XX/2019 on my credit. So I sent the credit bureaus copies of the letter stating they wouldnt charge me late fees and the credit bureau said the information wasnt gon na change. So Im trying to see how is it they said they wouldnt charge me yet attack my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.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 explanation
Consumer complaint received 2022-10-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I had two unauthorized charges taken from my bank account linked with my PayPal account. Both transactions were disputed and the charges were reversed. I was at a net of {$0.00} with the two transactions. On XX/XX/XXXX I received an email stating that the second transaction in the amount of {$56.00} would be taken out of my PayPal balance as the transaction was not unauthorized. I called and spoke with XXXX on XX/XX/XXXX who assured me that the transaction was unauthorized and that the email I received on XX/XX/XXXX was sent in error. On XX/XX/XXXX, PayPal debited my balance for the {$56.00}. I was on vacation at the time. I called on XX/XX/XXXX and spoke with XXXX. She stated that the {$56.00} would be put back into my account as the charge was, in fact, an unauthorized charge. I had not seen the money back in my account so I called again today, XXXX XXXX. I spoke with XXXX. He informed me that the funds were PayPal 's and that I would not receive another refund for the {$56.00}. XXXX did admit that it was a fraudulent charge and could not give me any information as to why I received an email stating that it was found to NOT be an unauthorized charge. 

To say that I am frustrated is an understatement. I was on the phone for over 2 hours on XXXX and over an hour today. XXXX could not tell me what was different between the two charges, what had changed from XX/XX/XXXX to XX/XX/XXXX, nor why PayPal would not cover this loss I incurred.

Company response to consumer: Closed with monetary relief