BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: IL
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 another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
Tower loan aka Gulfco of Louisiana has garnished their amount for the loan out of my banking account. The amount of the loan as per my credit report is {$3700.00}. On XX/XX/XXXX my bank received a garnishment letter in which the debt collector took {$5000.00} from me after I had already paid in {$3000.00} right before the garnishment. So in total now I have paid in over {$8000.00} well over the amount of the loan {$3700.00}. This should be marked PAID OR REMOVED FROM MY CREDIT REPORT! I have tried over and over to work with this company and they will not!

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 2022-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, TransUnion and XXXX Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.

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 2022-05-27
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : DEPARTMENT OF EDUCATION/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$7000.00} EQUIFAX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I regret to say I have not enjoyed being a customer of XXXX. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?

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 2023-05-24
Company: EQUIFAX, INC.
State: MA
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 2023-08-01
Company: Experian Information Solutions Inc.
State: PA
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 complained of a fraudulent collection attempt by " XXXX XXXXXXXX XXXX '' for made up, fraudulent charges against my account. I sent proof documents to Experian via Certified mail, which verify these to be bogus charges. Yet, Experian continues to not delete the phony charges. 

Other credit companies like XXXX and XXXX have acknowledged the fraudulent collection attempts, and my credit scores are up to XXXX XXXX higher.

Further, Experian will not allow me to place a letter of explanation into my account for others to see. When I try, it kicks it out as " already disputed ''. 

Experian is extremely difficult to contact, as they do not answer phone calls or allow online explanations to be placed. 

Further, I received notice from my ex employer that my account has been hacked through Experian. They are far less than helpful with this matter.

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 2023-05-24
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lockhart, morris and mont has failed to contact me about this debt, I have yet to receive a letter validating my debt to my current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Investigation took more than 30 days

Complaint:
I 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 30 days 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 2023-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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 this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX  XXXX and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lost my wallet, which contained my social & I.D . in there. I was at a gas station & sat it down for a quick second then the next thing I knew it was gone. This happened back in XX/XX/2018. I reached out to my credit card companies & debit card company for replacement. During those times I never had a credit subscription service to view my credit history. I recently did a thorough check to my credit report and I noticed a lot of fraudulent activities that weren't authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: TX
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 


15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a checking account with Citizen 's account for over 25 years and to assist my daughter 's college endeavor, I took out a Home Equity Line of Credit ( HELOC ). It was paid by auto-withdraw b the Bank every month for which I have statements from my checking account # XXXX which the bank did illegal activities i.e. not ever providing me with a statement, therefore, I may NOT owe anything anymore!!!? They REPORTED ME FRAUDULENTLY AND  MALICIOUSLY TO THR CREDIT BUREAU AS NON- payment giving me a bad credit score!!!! 
Now, I call the Bank and am told that I do not have a HELOC which is leading me to wonder WHY did the Bank report me and XXXX XXXX from the Office of the Chairman wrote that I paid late there ( 3 ) months in 2015 and provided me with a phone # to contact her if I have questions yet I called over TWO DOZEN TIMES to no avail?! I want the fraudulent/malicious report to the Credit Bureaus REMOVED and the paperwork/statements of my HELOC which the Bank tells me I DO NOT HAVE?!?!?! Copies of my bank statements can be provided if/when necessary as I do not know how to attach or make copies of 25 or the many pages as I am not working in the professional capacity set up for secretarial circumstances but I do have my checking account XXXX statements reflecting withdraw of money to my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: LOBEL FINANCIAL CORPORATION
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
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:
XXXX XXXX XXXX, XXXX, -XXXX XXXX XXXX, XXXX, XXXX : sold us a concept to eliminate our timeshares and give us VIP LIFETIME Membership to XXXX FOR {$20000.00}. XXXX had the association with Capital One CC XXXX FOR PEOPLE TO APPLY FOR CREDIT SO THEY OFFERED A {$10000.00} EACH -APPLICATION FOR MY WIFE AND me CAPITAL ONE ACCEPTED US AND CHARGED EACH OF US XXXX IN XXXX OR XXXX MY WIFE AND I FOUND OUT THE COMPANY WAS A FRAUD ... WE FILED WITH CAP ONE A FRAUD COMPLAINING AND THEY DISMISSED MY wifes AND REFUSED MINE. I CONTINUED TO DISPUTE THE CLAIM AND THEY REFUSED THE FRAUD CLAIM SAYING THE COMPANY REJECTED HIS CLAIM ... I wrote them several letters to prove the bill. I HAVE RETURN RECEIPTS AND TRACKING CODES FOR MAIL. They just kept sending a bill with no proof of the bill. I sent them a final cease and desist to claim I owe a fraud bill ... 
We have never received any service for the charge and the company is out of business with no way to contact them ... We have been denied membership with XXXX, so the whole thing was a fraud. 
They refunded my wife {$10000.00} plus the {$100.00}. She paid and refunds that also. XXXX XXXX XXXX XXXX I would like a total refund FOR ALL I PAID and a clean credit instead of a charge off. 
Case XXXX ACCT XXXX after my Cease and desist letter they charged the bill off and sold the collection to a law firm to collect. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX FILE NO. ; XXXX I ALSO SENT 3 LETTERS TO THEM AND A FINAL CEASE AND DESIST, LETTERS WITH TRACKING AND RETURN RECEIPTS ALSO. THEY STILL CONTINUED TO HARASS ME WITH A COLLECTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
On XX/XX/2023. I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/2023, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.

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 2022-05-27
Company: SYNCHRONY FINANCIAL
State: VA
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit cared account under an open end consumer credit plan as late for purpose.

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 2023-04-27
Company: Experian Information Solutions 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:
Im buying second home and find out theres a account from XXXX XXXX XXXX XXXX on my credit report and it doesnt belong to me

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