BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/XXXX, I XXXX XXXX went to my local bank ( XXXX XXXX XXXX ) to apply for a loan for a travel trailer. My credit report was pulled with an unknown account linked with all my personal information. I had NO knowledge of this account and did not open it ( XXXX ). The account is now considered a charge off ( according to the printed report that my bank gave me that day ). The date showing opened was XX/XX/XXXX. I have also contacted the company XXXX XXXX to let them know this was NOT my account and I did not open it under my authorization. They would not help me at all and ended up closing the case. I filed a police report ( breach of trust ) with XXXX XXXX XXXX 's Department ( XXXX XXXX XXXX ) and contacted XXXX XXXX AGAIN and gave them the case number and they reopened a case that is now showing under investigation. I also contacted Experian to let them know the fraud situation as well. I spoke with an XXXX today ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX department and he also recommended that I reach out to the Federal Trade Commission to also report the situation. I have also received a letter from the debt collector asking to pay {$5000.00} back. I did in fact contact the company ( XXXX XXXX XXXX XXXX ) and told them the entire situation and how the account was fraud and I XXXX XXXX did not authorize any purchases linked to the account. If anything else is needed please contact me at : 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 2023-06-06
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've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts, nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and it's been over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had more than {$1000.00} usd in rewards in my capital one account - credit card. I received a letter during the night of XX/XX/10 indicating that my account was closed but my rewards were never redeemed. I contacted the bank but they refuse to pay me the amount of dollars that I had accumulated I had any debt with that account at the moment that I requested to receive my rewards either thru a gift card, check, transfer etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I recieved a vanilla gift card for {$100.00} for XXXX. I have tried to use it and it does not work. I tried to go online and it does says there is a system error - try back later. I spent 45 minutes on hold today only to be told sorry your card is empty. I have not used the card. My XXXX XXXX XXXX mother purchased it on XX/XX/XXXX from a XXXX XXXX in XXXX, TX and it was in her pocession until XX/XX/XXXX. I have had the card in my pocession since that time. Their response is we are sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I've sent in numerous disputes including a FTC report for the unrecognized inquiries.Ive requested all for all investigations regarding this matter. They never supplied sufficient information to me in order to to validate these inquiries. This is the only agency thats reporting these unknown inquiries. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

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 2020-07-29
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: Public record information inaccurate

Complaint:
I disputed an inaccurate Bankruptcy Judgement that is reporting from all 3 credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy Court XXXX District of Georgia, and Pacer stating they do not report to the credit bureaus. I mailed certified letters with all of this information to Equifax, XXXX, & XXXX two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy Court, & Pacer are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX, US Bankruptcy Court, & Pacer. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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 fraudulent and inaccurate information on my report. Please delete and update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
So I applied for a credit card and this bank declined me for my credit card that defaulted more than 15 years ago and they said because of my previous relationship with American Express theyre discriminating against me and they even tried collecting this balance the collection agency after 15 years and threaten to put me in jail this new collection company that American Express hired since XXXX as threaten to put me in jail if I dont pay the whole balance so not only are they trying to collect the old balance is 15 years old Im trying to put me in jail for it theyre denying me a new credit card even though I have excellent credit now for a mistake that I did 15 years ago back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} 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 2023-07-05
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check bounced in one of my accounts mid XX/XX/2021. They immediately froze ALL of my accounts not just the one with the returned check. It was the first returned check in ages. I did not have a history of checks being returned. They are preventing access to my child tax credit funds. Several times I have contacted them and asked them to close all my accounts and send me a check for my available balance at the very least make my child tax credit payment available. To this date no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
- Persolve/Preserver Legal # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: NM
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:
as of XX/XX/2022 Experian Credit reporting is showing fraudulent information about back owed child support. I have contacted the State of South Dakota, Wyoming, and Texas and all states show my child support as being paid in full and no delinquent payments are outstanding, nor did late payments take place as Experian is showing. When contacted I was notified that due to how Experian calculated their entries the delinquency will not be removed. This is slander and fraud. Their Fraudulent entries have affected my life due to a negative mark on my credit report. State representative from the South Dakota XXXX XXXX XXXX XXXX XXXX has also verified with me via the phone that she has full knowledge that Experian is falsely displaying delinquencies for individuals even with their records showing different.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX 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 2022-11-11
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 Payment Status Charge-off Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection Charge Off/Other Derog Balance {$1400.00} {$0.00} Credit Limit 15usci1681i 15usc1681ia 15usc1681i5 15usc1681b i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00}, XXXX  XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$210.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$120.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ME ) XXXX Balance : {$720.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Revco Management, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I don't really recall letting my personal medical records being released to the public for it to be bought up for auction amongst other " debt XXXX '' im pretty sure that's a violation of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: HI
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-07-20
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts sbelow : XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$18000.00}

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 2022-11-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
: On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX XXXX  for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX  XXXX in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX they reported hard inquiries to my report with no consent or authorization from me I never gave anyone permission to share my information nor recieved any benefits from it this is a violation of my rights and hendering me from receiving future benefits

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