BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: EQUIFAX, 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:
In the beginning of XX/XX/XXXX I was presented with the opportunity to be a part of an assisted housing program becoming a first time homeowner. I requested a credit report on XXXX and saw that there are various unknown companies that are completely inaccurate and diminishing my legitimate credit score. I wrote and sent out letters requesting an investigation of the inaccuracies on XX/XX/XXXX. There were numerous working days that I spent on my lunch hour calling only being able to speak to various customer service representatives after repeatedly asking for their managers so that I can possibly speak over the issues within the reports - however that has been quite unsuccessful. Finally after receiving a single credit report here on XX/XX/XXXX from XXXX, with the same various inaccuracies such as names being misspelled, various addresses - I have lived in the same housing community since XXXX, phone numbers - I have had the same phone number since XXXX, places of employment - I have worked with a particular XXXX XXXX  since XXXX until my company I am associated with now has permanently hired me. On XX/XX/XXXX, I filed a police report for Identity Theft with XXXX Police Department here in my hometown of XXXX, CA. The police report was approved on XX/XX/XXXX. I have yet to hear or receive any form of communications outside of a copy of a character diminishing report and a letter stating ways to remedy IDtheft isues. I am now going to request a reinvestigation as well as provide a copy of the police report to the three major credit bureaus : XXXX, Equiffax, and XXXX  U.S.P.S Certified Mail. I have also requested a security freeze over the internet sent out XX/XX/XXXX via U.S.P.S and I have filed a complaint with FTC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions 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:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-02-02
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

i did not give anybody written instructions.

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 2019-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
OnXX/XX/2018, I opened an account with Capital One Auto Financed. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and Capital One left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
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 understand the Wells Fargo is much too busy these days addressing the concerns of eleven Senators as it relates to yet additional allegations of abusive lending practices by Wells Fargo, but I am not to be dismissed regarding my complaint. Although Wells Fargo considers the matter closed that doesn't make their findings creditable or final by any means. Wells wants this matter closed then do your due diligence and take a good hard look at the " Modification '' that was proposed to me and explain how said modification was suppose accomplish a fair and reasonable re-payment plan. As a court ordered condition of their settlement for peddling toxic and destructive loans to its customers, loans known as Pick-A Payment loans. Wells Fargo was supposed to review and modify said loans in a manner that would allow its customers to keep their homes. The modification offered to me was not fair or reasonable and after review by my legal adviser at the time it was deemed just as toxic. There was no fixed payment plan offered, no step-down approach offered, the HELOC was still unchanged and thousands in back charges were due upfront. Judging from the letter recently issued from all eleven Senators Wells Fargo is still up to their dirty lending practices. Your position may remain the same, but so does mine and therefore I will Never stop following my right to request fair and adequate compensation for the gross misconduct that Wells Fargo inflicted on me, my family and the millions of other victims that were preyed upon and continue to by preyed upon to this day, even if it has to go to our highest court for ample media coverage, exposure, consideration and final resolve.

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 2023-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
I have discovered instances of identity theft on my consumer report, which appear to be clear violations of state law and federal law, specifically 15 U.S. Code 1681c-2. I have not provided my explicit consent for any of these accounts to be reported without my expressed, written consent ; nor when I initiated and opened these accounts was I advised that these private transactions would be reported. This violates the very right to privacy I am seeking to protect, to which the agency is depriving me of. Furthermore, if the agency refuses to remove these accounts, not as a matter of accuracy, to please supply proof and evidence that you are non a non-affiliated, for-profit organization possibly profiting off of the reporting of these private transactions. If you lack my permission to report, which you do, these accounts shall not be reported. Please remove these accounts immediately. There should be no verification or validation and I do not consent to you communicating with the accounts I demand be removed. This, as well, violates my right to privacy. The accounts belong to me, so accuracy is not the issue. These violations stem from unauthorized transactions executed without my explicit consent, leading to the reporting of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the XXXX XXXX. Furthermore, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft happens when information is obtained and shared without your expressed written consent or knowledge and this is what happened. The credit reporting agency lacks evidence that proves you provided consent to have these private transactions and accounts reported per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
Dear Flagship  Credit Acceptance Corporation :  I have been an account holder sin ce 2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I hav e two late p ayments on the above referenced account that date back  to 2014    since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the las t two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month of   XXXX  no  pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope tha t Flagship Credit Acceptance is willing to work with m e on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Flagship has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May Flagsh  ip  please remove all negative remarks off my credit report. In good faith.       Sincerely,

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please apply these laws to the following account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX 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 2022-10-25
Company: Experian Information Solutions 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 Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions This account XXXX XXXX XXXX XXXX XXXX # XXXX is not my account or related to me. I have contacted Experian which is the only bureau reporting this improper account. I asked them to provide me with method in which they verified and added this account to my credit profile. They did not provide me with this information requested.

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 2023-03-31
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: Information belongs to someone else

Complaint:
My name is 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 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. Please delete the accounts : XXXX XXXX XXXX date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2023-11-28
Company: EQUIFAX, INC.
State: NY
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these illegal accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX   XXXX    ran a credit check on me without my consent.    XXXX   XXXX   2017

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 2023-11-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$150000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$150.00} 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 non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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