BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
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:
I am a victim of identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open in my name.

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 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 4-5 emails today from bank of america XXXX one said my email address was updated, another said my application was submitted successfully, another said my application was approved, another said to verify my Email address & the last one said my account is open and ready for mobile and online banking. I have never opened an account with Bank of America and didn't start yesterday either. I don't know what to do. Please contact me at your earliest convenience. I know Bank of America has been caught creating fraudulent accounts before so if this is the case I hope there are some major repercussions.

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 2018-03-21
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
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:
I recently have gathered a copy of my credit report because I'm interested in buying a home to start a family. I have been informed that my credit file has been used to access varies mounts of credit files. I've never had no knowledge of ANY OF THESE accounts. I would like this to be removed from my credit file IMMEDIATELY. I appreciate any and everyone involved to helping getting this resolved thank you! 

The accounts are : 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 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is formal complaint that credit bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet credit bureaus have failed to respond. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
2. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 2023-02-06
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. 

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file # XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's 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 2022-05-25
Company: Ability Recovery Services, LLC
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

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

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 2023-02-06
Company: CL Holdings LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023. I was made aware of a negative credit to my credit of approximately XXXX dollars. From XXXX XXXX XXXX. 
I got no written notice nor did I give permission for any debt I owe to be released to debt collectors nor was I informed of my rights to protest the accuracy of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Over a decade ago I had a credit card account with Capital One that went into default. Approximately 3 or 4 years ago this account stopped being reported on my credit report since it was older than 7 years. Today, several years after the account had fallen off my credit report, I was declined for a XXXX XXXX XXXX. The reason listed was only " too many delinquent past or present Capital One credit obligations. '' If there is a 7 year limit on derogatory credit information, and my previous account is about 11 years old and no longer shows up on my credit report for several years, how is this information still being used against me? I believe that Capital One is illegally maintaining and using derogatory information for accounts beyond the 7 year limit. This seems like a violation of my privacy, and I have worked hard to ensure my credit is sufficiently re-established from a negative life event over 10 years ago. Is capital one routinely maintaining zombie debt records that will haunt me for the rest of my life? Is there any way to force capital one to purge this information just like it fell off my credit reports a few years ago? The weirdest part of this whole scenario is that I've had 2 Capital One Auto Finance loans with great terms fully paid ( with no late payments ) in the past 5 years. This is likely a problem specific to the credit card department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX XXXX on Experian and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file 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 2023-10-13
Company: EQUIFAX, 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:
This is my 15th 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 XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf.

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 2023-05-12
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX

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 2022-07-12
Company: EQUIFAX, 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:
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX  XXXXXXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX  XXXXXXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX  XXXXXXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a request for an item to be removed that was reported incorrectly. On XXXX it was stated that Experian would be working to resolve the matter. Despite claims of fixing the matter, Experian did not do anything. The item remains on my report. On XX/XX/XXXX that info still hasnt been used. 

Experian continues to violate, FACR, Section 623 ( a ) ( 3 ).

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 2023-07-06
Company: EQUIFAX, INC.
State: AL
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:
im filing this report against the three major credit bureaus. XXXX Equifax and XXXX have been reporting inaccurate information or my consumer report. I first want to say Ive never given these companies permission to furnish anything on my credit report they art violating my rights and committing Identity theft with these actions. I demand that this account be removed from my consumer report as soon as possible and bh law they have 4 days to remove it. once removed i would like and updated copy of my credit report be sent to my mailing address. This action has cause complete turmoil in my livelihood and I am prepared to collect XXXX for each inaccuracy placed upon my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Motolease, LLC
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:
Moto lease is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called by IQData for the first time today XX/XX/XXXX at XXXX. 
The representative identified himself, told me I was on a recorded line and said it was about trying to collect a debt. 
He said what the debt was about and the amount which is over XXXX XXXX dollars. He asked me if it was something I was going to resolve today. 
I politely told him that it wasn't something I could resolve today but to call me at another time. 
He snapped and raised his voice and started to very aggressively demand I pay now because it was my debt. I told him it wasnt as I didnt live in that rental community during the time owed but that i was looking to resolve it ( my name was on the lease and I communicated to rental community that I no longer lived there. I never got an email with a bill, a mailed bill or phone calls ). 
He yells at me and tells me that the dent is mine because XXXX ( the other person on the lease ) declared bankruptcy and that it was mine ( fully yelling at me ). 
I told him I had no intention of discussing my personal business with him and that he couldnt intend that a debt that was 3 yrs old and them calling me for the first time was going to get resolved today. 
He yells at me even louder and accuses me of running away from my debt. 
I had never been charged up to this day. 

I told him he was unprofessional and how dare he and hung up. 

I suffer from anxiety and to be belittled, yelled at and accused by complete stranger regarding a matter im not refusing but asking to be contacted at another time is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 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 non-monetary relief