BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Saks Off Fifth is reporting fraudulent charges on my credit account. The fraudulent charges in question were reported to the XXXX and as a result the charges were refunded. As of today, the fraudulent charges have now been reversed and SAKS is now reporting my account being over the credit limit I have been extended by their company. I ask that you intervene and remedy this erroneous, fraudulent and defamatory information from my credit account. I am putting you on notice that if this matter is not corrected in the next fifteen ( 15 ) days, I will be for to seek damages. Saks blames Capital One and vice versa. I dont have the patience to fight with both companies. So, I am leaving it in the hands of the CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
ROOMS TO GO ACCOUNT # XXXX TOTALLING {$860.00} SYCHRONY XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO ROOMS TO GO. I AM NOW SENDING IT TO XXXX XXXX XXXX. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU 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 2022-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 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 30days 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
State: MS
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 look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From XX/XX/XXXX-XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CITIBANK, N.A.
State: MO
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:
Charge Date : XX/XX/2021 Amounts : {$2500.00} Actions : On XX/XX/2021 I was charged for {$2500.00} again for a purchase that I made on XX/XX/202. This purchase was returned, processed, and refunded by XXXX on XX/XX/XXXX according to XXXX return confirmation and my credit card statement for XX/XX/2021 as attached. I am writing this complaint because 2 weeks after my refund was posted on my credit card statement, I was charged again for the same exact amount of {$250000.00} on XX/XX/2021. I reached out to my credit card bank immediately and submit a dispute. Unfortunately, earlier this week I was told that I am responsible for this 2nd charge by the merchant XXXX and they were unable to help me. I have reached out to XXXX multiple times regarding this 2nd charge for the same exact amount and they have no idea why that happens. 

Below are my attachments for XXXX and XXXX of 2021 respectively credit card statements which are highlighted for the following : 1 ) A purchase of {$2500.00} was made on XX/XX/2021 per XXXX statement 2 ) A refund in the amount of {$2500.00} was posted on XX/XX/XXXX per XXXX Statement 3 ) A second charge for the exact same amount of {$2500.00} was charged and posted on XX/XX/XXXX per XXXX Statement. 
4 ) Email refund confirmation from XXXX on XX/XX/XXXX that {$2500.00} was received, processed, and refunded to consolidate with the XXXX 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 explanation
Consumer complaint received 2021-06-17
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
NATIONAL CREDIT SYSTEMS add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA NATIONAL CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022, I noticed that I had some incorrect address information in my Experian credit report. I wrote Experian a letter asking them to delete the incorrect address information, now I am having to escalate this issue to a formal complaint because Experian refuses to remove the inaccurate addresses from my credit file. The addresses are wrongly reported and they have errors so anything that is reporting incorrectly must be removed according to my FCRA rights. They are in clear violation of these rights because they refuse to remove these incorrect addresses. The other two bureaus XXXX and XXXX have removed the incorrect information as I have asked. Why Can't Experian comply with my rights under FCRA. I will seek legal counsel and sue if these addresses are not removed.

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 2022-03-02
Company: EQUIFAX, INC.
State: IL
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:
As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Paypal Holdings, Inc
State: MO
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/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

On XX/XX/2023 a transaction was placed in the amount of {$50.00} sent to a XXXX XXXX account, I did not authorize this transaction. 

It is now XX/XX/2023 and Venmo is still refusing to give me my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've notice unauthorized inquires on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed. I have listed the hard inquiries below. 

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

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 2022-10-11
Company: MOHELA
State: WV
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:
XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022 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 30days 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. BANK XXXX XXXX ACCOUNT # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX BANK # XXXX XXXX. XXXX OF XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy. 

15 U.S.C 1681 SECTION 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am extremely dissatisfied that my disputes that have been sent via mail and fax are not being processed. I have called Equifax several times and get the same response that they have not received my disputes. Even after suggesting that I fax the disputes, after doing so Equifax still claims to not have received disputes. As a consumer this is unacceptable. I have enclosed all my previous disputes that were sent and claimed to have not been received in this letter which has been sent via certified mail. Each dispute sent previously has been in accordance with the rules Equifax has set out on their website. Identity verification documents should be on file for three months so the constant sending of an ID card and proof of residency would not be necessary. Even if sent in error, this mistake should be communicated with the consumer and their dispute should not just be thrown away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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 recently reviewed my credit report for correctness. I found an unidentifiable account from Bank XXXX XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( XXXX, Experian, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you

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 2021-06-17
Company: CCS Financial Services, Inc.
State: NJ
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:
1. CCS COLLECTIONS I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, those 2 accounts Were sent to collections which means it is illegal for XXXX to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.

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 2021-06-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no notice from the collection agency that this account was in collection, right to dispute or verify account. This is just not right!

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 2023-08-02
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: Information belongs to someone else

Complaint:
I have reached out to all three credit bureaus to let them know that I was a victim of identity theft and I have no knowledge of these accounts that are reporting. I have also asked for verification of all accounts which they have failed to do. My identity theft report from the federal trade commission is also attached to this report. 

XXXX XXXX  XX/XX/XXXX {$8100.00} XXXX XXXX XX/XX/XXXX {$7800.00} XXXX  XX/XX/XXXX {$1500.00}

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