BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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:
The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX XXXXXXXX for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2.  XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is incorrect

Complaint:
Transunion displaying inaccurate employer ( XXXX XXXX ) on credit report. I do not work for 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 
Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXXXXXX XXXX # XXXX & Account name : XXXX XXXX # 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 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 2023-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that Capital One is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I disputed items on my Experian Credit report that does not belong to me on XX/XX/2023. As of XX/XX/2023, I have not received any response. As a result, Experian is in volition of the Fair Credit Reporting Act. I then sent out a second letter on XX/XX/2023

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 2023-06-21
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:
The following companies are reporting fraudulent opened accounts that were opened without my consent or knowledge and I demand these accounts be removed or I will pursue legal action. Under the fair credit act section 609 I am protected. I have already filed a complaint with the better business bureau and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX The best service company is reporting a fraudulent account that was opened on XXXX XXXX, XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX 2022

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 2023-10-22
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter in the XXXX mail saying that I owed {$1400.00} to Phoenix Financial Services ( XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX ). Debt Collector on behalf of XXXX XXXX XXXX XXXX XXXX. It says date of service was rendered on XX/XX/19. phone : XXXX I have never heard of this physician and live in XXXX, TN. I did not go to doctor in XXXX and also I have done some internet investigation on this company and it seems that this is repeatedly happening to many people. Many complaints of fraudulent charges just like mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
after realizing the account might be a scam I contacted the company ( Coinbase ) to prevent the verification process and stop the transaction. I did not receive any help from their support team. After I called a few times no one was able to give me any guidance on how to save my money ( savings ). They did not ask me for any details about reporting the issue. There was no protection available, nor an insurance or funds security offerings. I submitted a complaint. I never received proper support. The money was gone. I understand the digital currency economy is very new, and regulations are not fully in place. But if one of the leading Crypto Exchange companies, such as Coinbase, which makes big profits, can not have self-regulated plans for cases and circumstances that should be serving a regular user/customer/like myself, it will not be fair to only focus on business success, without considering providing service and support to those whom they profit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Im a victim of identity theft and I have been going back and forth with this company to resolve my claims, I have provided them with police report and identity theft report and other items that prove my roommate did these transactions.

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 monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-27
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX the XXXX I went to the website to check too see what I had to pay for my hiltons honors American Express come to find out they closed my account no reason given I made a call in American Express and I told him that I was going to put in a complaint the next day on the XXXX I received a letter stating that I had spoke roughly to one of their people in customer service it is said in the letter dated XX/XX/XXXX that I use abusive language towards their members that is a lie, I had no reason to have abusive language towards their company I had no problem with their company, the only problem I had was a they a charge that I didn't know where it came from and that was did done over the computer. ( XX/XX/21 XXXX XXXX XXXX NY ) Which leads me to believe they are talking to another company that had a credit card that I just closed that is XXXX XXXX. I have had heated discussions with XXXX XXXX not American Express, ( I closed that card and asked for everything in writing ) if they did this I'm accusing them of collusion ( They are teaming up to shrink the available credit that effects the credit score, try to push me to pay day loans ). I was making the payments for the American Express on time in had no problems with their company I have a letter saying I use abusive language ( they need to tell me what abusive language I use in what it was about because I had no problem with them until XX/XX/XXXX. I had a problem with XXXX XXXX not them, I have the letter sent, I'm going to see about some legal action after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number  : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The XXXX XXXX XXXX has been trying to withdraw our money for almost a year without success. They told the manager that I was the only authorized signer. I called and after 2 hours on the phone someone Told me the forms we needed to download from their website. In XXXX of 2017, they said they never received they email. In XXXX of 2017, someone acknowledged receiving them. They needed me to accept some email invitation to set up an online acct to accomplish withdrawal. Over the next 4 weeks, several people said they were going to send it. It was never received at any of the times. 
On XX/XX/XXXX of this year and XXXX, I spent 3 hours  on the phone with a supervisor, XXXX, employee ID XXXX, They didnt have me listed as an authorized signer AGAIN, couldnt find the accounts and then I was told that some servers dont accept their docs. ( Like the 3 different ones I provided ) I was told they have no alternate way to get me the necessary document to withdraw funds. 
So for over a year, theyve paid us about 0 % on {$250000.00}, wont send us statements and they cant help us to withdraw our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information This account needs to be deleted immediately!!!

This is my last written request for the inaccurate information to be delete by law.

I submitted my dispute for the removal of an innacurate account.The account is XXXX. The account IS also furnished by the same creditor so why is all the provided data different? It shows different date of last payment as well as late payments showing up until XXXX which isn't accurate on a charged off account. There are no more payments so why is it showing late payments still? By law the bureaus are required to report consistent and 100 % accurate and you have failed to do so.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Unauthorized use of credit report in Inquiries section, XXXX XXXX XXXX XXXX XX/XX/2023, XX/XX/2023. 


Note : Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). Due to request being > 1 month old, legal process to remove the information has begun. Third parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in 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 2022-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update and I dont understand where this account came from. I have never seen it on my credit report before. I believe that someone used my personal information and applied for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.

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