BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes sent me an automated email saying your investigation is complete. Equifax did not even take the time to verify these fraudulent accounts .This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable.

I tried to verify these accounts by contacting above creditors. All of them had different addresses and phone numbers on their files. They are clearly fraudulent and Equifax is not doing a single thing about it. 

Claims/Disputes confirmation numbers with Equifax are XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX XXXX reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with XXXX XXXX XXXX and Experian, and XXXX. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX  Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days

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 2021-11-20
Company: EQUIFAX, 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 Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( Equifax, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a  you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all XXXX  loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
CAPITAL ONE and XXXX DEPARTMENT OF EDUCATION have both violated Consumer Law. ( Title15 USC 1681a subsection 603 ( 2 ) ( a ) ( 1 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. I didn't authorize them to report late payments or utilization. Please promptly have them remove these items off my credit report across all XXXX  reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
Hello my Name Is XXXX XXXX Ima in the process of buying a house .I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business XXXX XXXX XXXX is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.

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 2021-03-16
Company: Radius Global Solutions LLC
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: Account information incorrect

Complaint:
Im reaching out to you guys for a solution. 

I submitted a dispute with XXXX about an account that appeared in my collections portions of my credit report. After almost a month of investigation, XXXX came to the conclusion that I indeed am responsible for that account in question. This is not my account. And I need this resolved as its the first collections Ive ever had on my credit report, and its effects will linger for 7 years when its not mine to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: NV
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:
Please remove all the collection accounts listed here.. The accounts listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the accounts with Equifax but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
I have sent a letter out the Capital One on XX/XX/ asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my 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 non-monetary relief
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: OR
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 an account on my experian credit report called XXXX XXXX XXXX XXXX account number XXXX ( as seen on my report ) -- I have disputed this and the bureau refuses to remove stating that I need to contact XXXX XXXX XXXX which I have tried. This account is not mine and according to FCRA, they need to furnish proof that shows my signature on the original purchase document for this account or have it removed from my report. I am still waiting and have disputed more than once. Moreso, none of the information on this account matches any of my personal information aside from my name and my social as far as I am aware.

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 2021-09-14
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/2021 RE : THIRD ATTEMPT TO RESOLVE DISPUTE NOTICE OF VIOLATION OF [ 15 U.S.C. 1681s-2 ] ( a ) 30 days to reply Dear Equifax XXXX  , This is my THIRD attempt to resolve a dispute with you and third complaint I am filing with the CFPB. 

XX/XX/2021 I submitted complaint in writing to you. 
Attached : 1. Initial Letter to Equifax on XX/XX/2021 2. Delivery Signature XX/XX/2021 I also filed complaint XXXX-XXXX  with the CFPB to which Equifax stated XXXX Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

I never received anything! 

I also DEMAND that you provide to me the name of company and proof of this furnisher of the information isUIFAX IS referring to, because this is simply impossible, and it is illegal to tell me false information. 

XX/XX/2021 I submitted my second letter to you directly and complaint via CFPB XXXX-XXXX  to the CFPB to which you again replied, Please be advised that an investigation with the furnisher of the information has been completed and the results were mailed to you. 
Attached : 3. CFPB Complaint XXXX-XXXX  Again I received nothing! 

They have received a personal letter in XX/XX/2021 from me and all these complaints verifying from me that they need to fix this and have my permission to do so. They are FAR past 30 days. They are in FULL violation of the law and for this reason alone they are REQUIRED BY LAW to remove all of these items because I never received anything from them regarding the results of their investigation, despite checking my mailbox incessantly for a few months!!!!! 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they MUST remove the negative listing disputed!!!!!!!!! I AM ASKING YOU, CFPB PROFESSIONAL, to not allow Equifax more time. Time is now to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2023, I was checking my email and noticed that XXXX Bank had sent me XXXX emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call XXXX Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from Capital One Bank telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call Capital One Bank and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On, XX/XX/2021, I received an email stating I have been permanently banned from Paypal. The reference number is Ref ID - XXXX. The same day, I contacted Paypal to determine the reason for being permanently limited and the customer representative stated my account was flagged due to a XXXX XXXX note from one of my transactions. I buy and resell sports cards and memorabilia, and have contacted Paypal prior to acknowledging the many transactions that arise on my account. On the same day, XX/XX/2021, I appealed the reasoning and three days later I was denied without any explanation. I have contacted Paypal multiple times and have not been given any information, rather than wait 6 months for my funds to be released. HOWEVER, Paypal is not releasing funds to accounts that are limited but taking your account balance and sending it themselves for violating their user agreement. That is a fact, there are many instances recently of Paypal taking entire account balances. I have over {$44000.00} in my PayPal account. My Paypal account was terminated on a {$50.00} payment that an individual put XXXX XXXX in the notes. I am baffled that a {$50.00} payment justifies holding {$44000.00}, that is someones livelihood. That is my life savings just being held in limbo for 180 days without any assistance from Paypal. It is a pandemic, what does Paypal do with your money for 180 days? Loan Program?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: ADP Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I sent back 4 different items on the XXXX of XXXX, and on the XXXX of XXXX, the items arrived at XXXX facility. Then on the XXXX of XXXX, only 1 item was refunded. I have done many returns with XXXX, so there was no issue on my end. Returns are simple, but XXXX has made them very difficult for me because I return many items I am not satisfied with. That is their return policy. I contacted many different chat agents, including supervisors who refused to do anything to help me when I noticed the issue. They kept telling me to wait 7 days after they received the items. Then after that, they started telling me to wait 14 days after they received the items. At this point, I gave up and decided to dispute the issue with my bank. My bank known as XXXX is making me jump through hoops to try to get this refunded after I explained everything to them and gave them the information requested by email, and even added pictures of the items boxed together before I returned them. While I was busy with 3 different jobs, I had planned to send XXXX that info, and in about 6 days, I had not sent the info, and XXXX  seemed upset that I had not replied back yet. I explained my work situation, and now XXXX has not been handling the situation quickly after I got back to them with the info they needed. Instead, they have taken around 6 or 7 days to send one reply by email. This reply stated " so you are waiting on the refund of XXXX, correct ''? I then replied back with " yes ''. And they have not responded in over a week. Soon after, I noticed a letter in the mail requesting me to fill out some paper asking for most of the same info I already gave them through email. This time, they are asking me to go through the trouble of mailing back out the paper they sent me. I had a dispute with another card company of mine, and even XXXX awhile back, and neither of them treated me this unfairly as XXXXy has. I have given XXXX  way more than I ever had to give my other card companies when it comes to info. At this point, it feels like XXXX does not want to issue the refund and are stalling intentionally, or simply do not like me. This is on page to be a month long issue and counting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, has violated my rights. 

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 an 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 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