BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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

Complaint:
XXXX XXXX  company repossed my 2 new car 5 years ago, i got those two cars after trading my XXXX XXXX XXXX XXXX  XXXX milage.payed XXXX XXXX dollar down payment.made payments for three year untill i defoulted late payments due to husband death i had XXXX XXXX, i was still working and paying them, one day they called me at work for late payment due to nature of my work i could not carry converstaion with XXXX corporate office worker he said since they can not communicate with me they are going to repossed my cars i told them i did on line bank payment they should get it by tomorrow.next day they took both cars away and auctioned them in market for cheap price, and told me to pay them XXXX dollar more to them.ever since that day i have been called and harrassed by their company, they call me from different phone numbers and harrases me to pay them.plus doing negative reporting to my credit .i dont know what to do any more ...

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 2023-07-12
Company: Experian Information Solutions Inc.
State: LA
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 been working to DISPUTE all UNKNOWN INQUIRIES to no avail no help.

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 2019-12-05
Company: Paypal Holdings, Inc
State: MI
Product: Credit card or prepaid 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:
On XX/XX/XXXX ( Sunday evening ) I noticed several charges to XXXX when I logged into my PayPal account. Neither my wife nor I had ordered anything from that company, so I then looked back over all the charges for the last few months. I found 38 charges in XX/XX/XXXX. and XX/XX/XXXX. to either XXXX or XXXX XXXX ( 1 to XXXX ) that we had not made. I also found 2 other curious facts. 22 of the charges had been refunded, usually days later and not in the order they were charged. Some transactions had 2 or 3 pairs of debit/refunds with the exact amount ( ex. 3 pairs of {$22.00} ). Also, all the charges were made with our PayPal Debit Card, not the standard PayPal process which requires a password every time to initiate. The reason I had not noticed these transactions before is because I normally log into PayPal only to check my balance. Every normal PayPal transaction is followed by an email from PayPal to me indicating the transaction. Therefore, I look at the emails carefully to verify that I recognize every charge. Since opening this account in XX/XX/XXXX, I have never seen any anomalies. PayPal did not email me about any of these invalid 38 debits. Apparently, by default, they do not email Debit Card transactions, but I was not aware of that since we had only used the Debit Card a total of 8 times since receiving the card. The last usage was on XX/XX/XXXX. I don't like using debit cards and neither one of us has used it since. I immediately contacted PayPal and disputed these transactions. On XX/XX/XXXX ( Tuesday morning ) I received an email from PayPal rejecting 37 of the claims. They accepted the one from XXXX which was for XXXX cents. On XX/XX/XXXX in the afternoon ( about XXXX ), I talked with their Debit Card department and gave all of the above information to the service person who said the case  would be reviewed. A few hours later the same day I received a second denial of the disputed transactions. In addition, they also sent me an email accusing me of violating PayPal 's policies and threatening to close my account. In effect, they were saying that I was trying to defraud them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2022-11-04
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got appliances on a rent to own agreement. I was told I could cancel the agreement anytime after initial lease term which was two months. I have been paying {$120.00} a week auto payments for 8 months and was told I still owe over $ XXXX for appliances that cost {$3500.00}. I called the company and they told me I can't terminate lease I can only donate appliances to charity for tax write off and still owe balance. I have never heard of this before. I want to either have company come and get appliances or credit money I have paid for appliances to balance which would pay off items.This was supposed to be a lease to own meaning I can cancel items without purchase. 
If we can't come to agreement I have spoken to an attorney and will be joining a class action lawsuit that I found out was filed against this company for doing similar tactics against other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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:
These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX  Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit $ 0 Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MI
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: PA
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:
With XXXX XXXX XXXX XXXX credit cards, I had requested both a letter of validation and a copy of my original contracts. I never received them. Since much time has passed, I would like to have them both removed from my credit report.

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 2022-12-15
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to find out why there are 4 late payments in my credit report. I log in to their website and all they try to do is sell some stupid service. I want to know what accounts were late and the account numbers, the date the payments were late and if they can not provide that information I want them removed from my report.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including XXXX, TRANSUNION AND XXXX 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 explanation
Consumer complaint received 2023-10-23
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:
This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation.

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports.

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.

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 2023-01-25
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:
XXXX XXXX received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including EQUIFAX, XXXX AND XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company 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 2022-03-12
Company: EQUIFAX, 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, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
A charge-off / lien has been reported to my Equifax credit file by XXXX. The charge-off is associated with an address I have never occupied or been associated with. Furthermore, I lived out of state during the time period in question. I have disputed with Equifax and XXXX and they are making it nearly impossible to remove the charge-off. XXXX refuses to allow me to file a fraud complaint without personally showing up to their local offices ( which are few and far between ) with a police report and multiple forms of identification including my social security card.Although Equifax agreed that I have never been associated with the address or account in question, they will not give me any additional information or assistance. They simply tried to upsell me on additional fraud and credit monitoring products. They also claim I am not allowed to speak to a supervisor or obtain any contact information from their customer service reps. 

This charge off is preventing me from refinancing my home and has reduced my credit score by XXXX points in comparison to the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a Capital One XXXX XXXX XXXX on XX/XX/XXXX. Received a letter dated XX/XX/XXXX indicating the need to unfreeze one or more credit bureaus so Capital One could obtain my credit reports. Unfroze my credit and called Capital One to reprocess my credit application on XX/XX/XXXX. Capital One then sent email request to provide additional documents to verify my identity. Provided documents requested via the Capital One secure portal within 2 hours of the request. Called to follow up later the same day ( XX/XX/XXXX ) and the representative confirmed receipt of documents. Received letter dated XX/XX/XXXX that my application submitted was incomplete or can not be verified. Contacted customer care who confirmed the documents provided were complete. I spoke with XXXX, a supervisor at XXXX XXXX on XX/XX/XXXX in the verification department at Capital One who promised me a follow up within 24 to 48 hours. After waiting more than 48 hours, I am submitting this complaint. 

At this point, I have provided all documents requested of me and have flawless credit. Capital One has no reason to deny my request for a relationship. 

XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX Date of inquiry : 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 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 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