BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my report and noticed inaccuracies on XX/XX/2023 and sent my first dispute letter on XX/XX/2023 and they updated my information on XX/XX/2023. I then submitted my second dispute letter requesting a re-investigation.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The account is listed as a charge off and purchased by another debt collector. Im different amounts stated XXXX and listed on my report as XXXX. Which is in accurate.

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 2018-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
These inquiry accounts were disputed on XXXX. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/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 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the victim of identity fraud. This happened in XXXX. I contacted CapitalOne to advise them because the fraudster has taken over my online profile and my credit cards. I have to call them almost everyday to report daily fraud. Tje fraudster has access to my SS number, all three credit reports and a copy of a non valid driver 's license. There have been countless fraud request filed to have my online profile DEACTIVATED not suspended as the fraud person can unsuspend because they have the information to answer the questions for verification, EVEN AFTER I HAVE PROVIDED THE UPDATED ID. I am simply asking for assistance to locate my information that has been sent several times, and DEACTIVATE my online profile. May I also add they provided a 10 day SLA and I haven't heard from them proactively since XX/XX/XXXX. Please help me. 

Initial call was XX/XX/XXXX Provide new documentation XX/XX/XXXX and several times after Provided most recently XXXX XXXX Capital one Platinum card closed XX/XX/23 Case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed no reason XXXX XXXX XXXX - XXXX XXXXXXXX Second claim- account reopen XXXX XXXX Case XXXX Rewards Account XXXX XXXX XXXX XXXX Contacted online via XXXX, no resolution XXXX XXXX XXXX Called and advised case from XXXX XXXX was still under review No current updates Associate hung up on me when asked to speak with a supervisor XXXX XXXX XXXX XXXX  XX/XX/XXXX account closed Account closed by fraudster XXXX XXXX XXXX- CapitalOne Added balance transfer option XXXX at XXXX XXXX Account opened No -ETA on XXXX Call XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried mailing supporting documentation and uploading online but continue you to have issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 any item 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. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX  XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX, XXXX XXXX on XX/XX/2021 ; XXXXXXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureausXXXX XXXX  is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 2018-08-24
Company: Experian Information Solutions Inc.
State: OH
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 spoken to XXXX XXXX, XXXX, experian and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX  credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.

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 2021-11-04
Company: CITIBANK, N.A.
State: WA
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:
Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with Macy 's that I did not create. I called Macy 's credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the Macy 's credit card account information the was on my credit monitoring site and mailed it to Macy 's ( XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from Macy 's and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with XXXX ( report XXXX ) I received the dispute results and they say they are not going to remove the Macy 's card from my credit report. They state Macy 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called XXXX at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.

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 2022-05-31
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. In XXXX of XXXX I received a letter in the mail from XXXX XXXX XXXX. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was Internet, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, xfinity would cancel the account long before. 

I researched XXXX XXXX XXXX and according to comments on XXXX  is an obvious scam, bullying people into paying debts they do not owe. 

Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points. 

I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point. 

On XX/XX/XXXX I received a letter from Convergent outsourcing inc stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX 

I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.

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 2018-08-23
Company: ACS Education Services
State: MS
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:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( coduent  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit Karma, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Around XXXX, I saw a great deal of preapprovals on Credit Karma . From the outset, I didn't give it any consideration yet Credit Karma continued to send me a wide range of various preapprovals informing me that I was preapproved for Mastercards, individual credits, and that I can refinance my vehicle. On a regular basis, I would see these offers each time I signed in to check my financial assessment. Following a couple of long periods of being informed that I was preapproved, I assumed I was currently in the ideal spot to apply. I helped such countless proposals through Credit Karma, I began educating my family concerning speculations and excursions we planned to use to these preapprovals for. I at long last applied nearby some time in 2020 and I got denied for 2 Mastercards, and a 3 individual credits. I was XXXX I was exceptionally furious and I felt bamboozled. I was showcased to for a really long time letting me know I was preapproved. THIS WAS Completely false! I was seriously worried! I was sick for quite a long time! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from XXXX to XXXX and was wild. Presently, every time I see preapprovals I promptly close my phone and shut my PC off. This has made me so uncomfortable and restless that I have not actually looked at my acknowledge as often as I should

Company response to consumer: Closed with explanation