BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: GA
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 is my several endeavors to tell credit bureaus 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 alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: DISCOVER BANK
State: NY
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:
Added an authorized user to my account, and a new card was mailed to my address. the card was not received in the mail, but on XX/XX/2022, I was alerted that XXXX XXXX XXXX tried to charge {$340.00} but declined. I should click Yes if it's me and No if it's not me. 

I select No. It was not my transaction nor my authorized user. I called customer service and spoke to the fraud team, and they order me a new card, which I am yet to receive. I was told on multiple occasions that the fraudulent amount would be credited. I am yet to receive it. 

I have contacted Discover card on multiple occasions just to be transferred to the same set of departments over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I can not believe Equifax 's response. They indicated they could not locate a file for me yet they report information every month. Again they are reporting a XXXX XXXX on my report and it's over 7 years old. I want it deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-02-17
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Below are the following accounts appear to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account. 

NAVY FEDERAL CR UNION XXXX Balance {$3100.00} NAVY FEDERAL CR UNION XXXX Balance {$25000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX and XXXX  XXXX  XXXX  XXXX. I also like to dispute these fraudulent inquiries listed on my credit report. They are as follows : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX  and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!

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 2023-08-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that Transworld Systems was reporting a collection account with XXXX XXXX XXXX XXXX on my credit report. I am not familiar with this account. I reached out to Transworld Systems several times via letters asking them to validate this account or remove it from credit report and they have not responed to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, 2020, I contacted US Bank to report fraudulent charges made to my Reliacard ( A prepaid Visa card issued by US Bank provided by State of Texas as a method to disburse unemployment benefits. ) They froze my account and asked me to confirm my identity. I immediately uploaded a copy of my state-issued I.D., my tax records and bank identification records ( all required ). 
Two days later, XXXX, XXXX, 2020, I phoned the bank for a status update. No one was able to provide me with an update or a resolution. From that day ( XXXX XXXX, 2020 ), I have called the bank multiple times on a daily basis and nothing. 
XX/XX/2020, I once again call for status, I was told to upload a " selfie '' for verification. ( not informed two weeks prior ). I quickly complied w/request. Two days pass. I called for status, agent was rude and bad attitude. Agent refused supervisor transfer. However, she opted to hang up on me instead. To date, I have no access, not funds, no updates, no resolution and no hope!

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 2023-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Accounts listed on my credit report that i never applied for are stopping me from buying a home for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, On XX/XX/2021, I called in to close my US Bank XXXX XXXX Credit Card account. I was told by a representative that, that department was busy at the moment, so she could assist. She took some information and claimed that she had put in for it to be closed. In addition I sent in a request via fax with my signature, as double-confirmation that I wish for the account to be closed. As of this morning, the account is still fully open. I have dealt with other similar banks, that choose to utilize manual processes for credit card closure, rather than making the process electronic, and every time the bank has kept the card open despite numerous requests for closure. I do not have confidence that US Bank will close my credit card in a timely manner, and thus am filing a CFPB complaint to force them by law to do so. I do not want this account, and need for them to process the closure 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 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since XX/XX/XXXX, I have experienced fraud with my Capital One credit card. Numerous cards were sent to people calling in as me. 
Cards ending in XXXX, XXXX. I had credit card XXXX until they recently deactivated it. I was charged fast card fees for cards that were not requested by me. They have since been reversed. 

I made a XXXX payment on XX/XX/XXXX. I called on XX/XX/XXXX to see if payment was received. I learned the card I was carrying was deactivated and a new one was issued but not by my request. And I was never informed the card I was carrying was deactivated. 

It has been very frustration to have continued problems occur when security measures should have been put in the place during the first incident back in XX/XX/XXXX. But they werent. 

Ive had to file two Better Business Burea reports and a report with my States Attorney office just to get a response from Capital One. 
They are not customer service oriented. They arent interested in helping their customers. 

Today, I received a call from them only after I filed a second BBB report. They told me my account doesnt offer a settlement based on fraud. This reasoning is ridiculous especially after added security measures were put on my account, they continued sending out new cards to the people committing fraud. 

I would like a settlement on this account so I can be done with Capital One. I would also like some kind of permanent public remark left do other consumers are aware not to apply for a credit card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: PA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a call from my credit card company today to alert me that someone has tried to open a new credit card account in my name and the inquiry is a hard inquiry on my credit report that was not my doing. I did not open the account. Someone else has stolen my identity.

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 2023-04-05
Company: EQUIFAX, INC.
State: CA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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:
I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with Equifax and XXXX, I was told that the information has been verified by a third party company called XXXX. 

I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to Equifax and XXXX. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. 

I contacted Equifax and XXXX  on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
Equifax, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. XXXX that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. 

XXXX, closed this dispute on the Thursday, and XX/XX/2021. XXXX  also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my Equifax and XXXX  report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or Equifax and XXXX  are not truly " investigating '' the dispute I filed with them. Considering Equifax was able to close this dispute within XXXX days, over a weekend, tells me everything I need to know. XXXX  continue 's to say " The company that reported this information has certified to XXXX  that this information is accurate '', ( XXXX ). 

I expect to have this incorrect public record removed from my Equifax and XXXX  credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am submitting a complaint with you today to notify you that I have fallen victim to identity theft. After reviewing my credit report, I was dismayed to discover multiple items that I did not open and have no knowledge of. In my research on how to rectify this, I learned that I need to file a report with the Federal Trade Commission ( FTC ) or visit their website at https : //www.ftc.gov to take necessary action. As per Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove any accounts and information listed on an Identity Theft Report. I have attached the necessary documents to facilitate the blocking of the erroneous information that has been added to my credit report without my consent. The following items are not authorized by me and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in a consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: AR
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:
I submitted a letter to the Equifax and XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ok I'm not sure if it was key bank or XXXX XXXX XXXX  but back when Covid the pendemic I had fail for unemployment and I was homeless so I rented hotel rooms and they was asking for a high amount of deposit for the room in case I smoked cigarettes or XXXX  which I never did either one left the e room in the same way I got it and some deposit was XXXX some was XXXX but honestly I remember now it was KeyBank they honestly robbed me for 2000 of my cash cause all my deposits was supposed to clear but the date that they was cleared they never went back into my account I called KeyBank up and they told me that I had to open another bank account so I open XXXX XXXX XXXX because KeyBank told me that if I didn't that I'll lose my unemployment which they closed my account so any money that was supposed to clear and deposited they never came back into my account I called KeyBank and they kept telling me that the account was closed due to that my funds was supposedly sent back to nyc department of labor and honestly I'm very confused cause if I transferred my account to XXXX  XXXX bank and honestly the fund never came back into the account honestly that was right at Al and would like to know how I can recover my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
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 is my sixth attempt to notify you that I am a victim of identity theft and I send a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items is DELETED from other bureaus, and I have doubts about the Bureaus ' accuracy, and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) the following unknown items must be blocked : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXXXXXXXXX Balance {$540.00} XXXX XXXX  XXXXXXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX Balance-

Company response to consumer: Closed with explanation