BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of XXXX XXXX. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
XX/XX/XXXX WE STARTED A CRUISE AT XXXX XXXX, XXXX XXXX. WE CALLED XXXX 3 TIMES FROM XXXX XXXX BEFORE BOARDING. XXXX STATED THAT IF WE DIDNT BOARD THE CRUISE ALL THE MONEY WAS GOING TO BE LOST. 

XX/XX/XXXX XXXX ANNOUNCE WE WERE NOT GOING TO ANY MORE PORTS. WE CIRCLED XXXX XXXX FOR 2 DAYS. 

XX/XX/XXXX XXXX DECIDED TO ALLOW US TO USE THEIR AIRPORT. WE HAD ONE PLANE AS AN OPTION. THE PEOPLE THAT BOUGHT THE CRUISE UNTIL XXXX XXXX WERE PROMISED THAT XXXX WILL TAKE THEM TO XXXX XXXX. 

XX/XX/XXXX, I LEFT TO XXXX AIRPORT. MY FRIENDS XXXX AND XXXX XXXX STAYED BECAUSE THEY BOUGHT THE CRUISE UNTIL XXXX XXXX. 

XX/XX/XXXX WHILE I WAS FLYING THEY CALLED ME FRANTICALLY THAT THE CAPTAIN ANNOUNCED THEY WERE NOT GOING TO XXXX XXXX AND THAT THEY WERE FORCED TO DISEMABRK AT XXXX, HAWAII. I BOUGHT THEM 2 TICKETS FROM XXXX TO XXXX.THEN FROM XXXX TO USA.IT WAS DIFIICULT BECAUSE THE SHIP HAD NO INTERNET. VERY STRESSFUL AND DIFFICULT TO COMMUNICATE WITH THEM. 

XX/XX/XXXX XXXX CRUISE ARRIVED AT XXXX BUT THE USA GOVERMENT REFUSED THE PASSENGERS TO DISEMBARK. NEWSPAPER ARTICLE ATTACHED. THEY PACKED ALL THEIR LUGGAGE BUT WERE NOT ALLOWED TO DISEMBARK. 

XX/XX/XXXX THEY WERE TOLD THAT XXXX WAS GOING TO ACCEPT THEM BUT XXXX REFUSED THEM AS WELL WITHOUT INTERNET AND ADVANCED NOTICE HOW CAN YOU PREDICT THAT THEY WERE NEVER GOING TO BE ABLE TO FLY FROM XXXX? THEYRE XXXX YEARS ( XX/XX/XXXX ) OLD AND XXXX YEARS ( XXXX XXXX ) OLD RESPECTIVELY. AFTER ALL THE ORDEAL THEY FLEW BACK TO XXXX AS AN EMERGENCY DUE TO HEALTH REASONS. THE DOCTOR FOUND XXXX IN HIS XXXX. HE CANT TRAVEL ANYTIME SOON. THEY NEED THE {$74.00} EACH ONE PAID IN MY CAPITAL ONE CREDIT CARD ENDING XXXX. ITS OUTRAGEOUS I HAVE BEEN TELLING THE STORY FOR 2 MONTHS. XXXX AND XXXX WHICH USE VISA AS WELL SETTLE ALL MY TRAVEL DISPUTES. CAPITAL ONE ITS THE ONLY COMPANY GIVING ME SO MUCH AGGRAVATION. CAPITAL ONE WANT PROOF OF CANCELLATION FROM AN IMPOSSIBLE SITUATION. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  WI XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$78.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX & XXXX Account XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-10-21
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: TX
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:
I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company. I believe these items are fraudulent, and I request their immediate removal and resolution. 
I have attach my supporting documents, such as DL, SSN, and POA.

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: IQOR US 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: Credit inquiries on your report that you don't recognize

Complaint:
Improper use of my report, shared without my consent, credit inquires

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 2023-06-10
Company: EQUIFAX, INC.
State: GA
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:
Check Documents for Documentation This account should not be furnished on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

Under, 15 U.S Code 1681b - ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Under, 15 U.S Code 1681b 1681b-A ( 2 ) ( i ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-07-28
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I tried to open a checking account with Charles Schwab, and their rep told me on the phone that someone already used my SSN to open multiple accounts with Charles Schwab.

I reported this as fraud, and Charles Schwab suspended the accounts by Monday XX/XX/XXXX. 
I then went to their office on XXXX XXXX and verified my identity, presenting my SSN card, passport and address confirmation. 
But when I called them again on XXXX XXXX, it turned out that the fradulent accounts were reopened ( unsuspended ). The rep on the phone also gave me the name of the person who opened the account with my SSN ( XXXX XXXX ), and other personal information like the number of accounts and balances - he gave me all the infromation without being able to verify me!! 
The company opens accounts without verifying if SSN matches the person name, and easily divulges personal information over the phone, you just need to give them the SSN. I'm now worried that Charles Schwab will as easily give away my name and other personal information ( which i submitted when i went to their office to verify myself ) when the fraudster that uses my SSN will call them to reactivate their suspended accoutns again.

Charles Schwab also reported the fraudster 's name to credit beraus, and now the name is liked to my SSN in credit beraus. Charles Schwab doesn't run even the basic check if new customer 's SSN matches the family name of the person. Because of this I have the wong name associated with my social in credit beraus!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Affirm Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding complaint number XXXX This issue is still not resolved. I got a email from Affirm. It says : Your loan has been charged off XXXX, Your loan XXXX has been charged off because you've had an overdue payment of {$390.00} for XXXX or more days. We will no longer contact you and your loan may be referred to a third-party collection agency. You are still responsible for your overdue balance, which can be more than your overdue payment. Sign in to your account to see more details. If you've already made a payment, please ignore this message. Thanks for using Affirm! If you have any questions, you may call us at ( XXXX ) XXXX. Loan ID : XXXX If you need help, visit our Help Center. You are receiving this email because you conducted a transaction with Affirm. Visit us at affirm.com to view our Terms of Service or our Privacy Policy. I do not owe this debt at all. On XX/XX/2023 I returned the equipment back to XXXX and XXXX XXXX siad that they got the equipment back. On XX/XX/2023 I sent prrof to Affirm at XXXX XXXX XXXX that I sent back the equipment like they asked. Affirm has not fixed this matter and it has been several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Account information incorrect

Complaint:
I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint as I am a victim of Identity theft, I submitted the proper documentation and had the erroneous accounts removed. 2 months later one of the accounts reappears with no validation or justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$4700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. CAP ONE AUTO Account Number : XXXX

Company response to consumer: Closed with explanation