BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with XXXX, XXXX and Equifax. and they have never been removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT XXXX XXXX XXXX XXXX INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX XXXX XXXX DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

Equifax : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX. This is the correct spelling of my name. This is how my name should be updated on my credit report. I'm writing to report identity theft that has been committed against me. I have good grounds to think that multiple false accounts and credit report inquiries have been created using my personal information, which was stolen and used without my consent. I have contacted the creditors connected to the information and filed an identity theft affidavit, among other essential actions, to make this problem right. However, because of this identity theft, I have suffered severe financial loss and emotional pain. I still have trouble getting loans and credit because of the time-consuming and frustrating procedure of challenging these accounts and inquiries. 
I've attached copies of my credit report, the identity theft report I filed on this case, and any additional paperwork I think you would need for your inquiry. Kindly get in touch with me in case you need any further details or supporting materials. 
I sincerely appreciate your consideration of this situation and eagerly await your speedy reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: Experian Information Solutions 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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : 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 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 2023-02-16
Company: Experian Information Solutions Inc.
State: LA
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:
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.

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 2021-06-29
Company: EQUIFAX, INC.
State: MD
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:
XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Personal information incorrect

Complaint:
A letter for personal information correction was sent out to XXXX, XXXX, and Experian on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. XXXX  replied on XX/XX/2021 but failed to correct my personal information in completion. XXXX  and Experian failed to reply.

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 2019-02-15
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: Investigation took more than 30 days

Complaint:
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-09-24
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and frustration regarding a dispute I have raised with Equifax concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my Equifax credit report : 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 I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted Equifax to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, Equifax has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that Equifax promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX XXXX I sent out a letter after reviewing my credit score with Experian that I saw some incorrect information on my account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts which Ive listed below. Experian failure to positively verify these accounts has hurt my ability to obtain credit. Now under the FCRA, unverified accounts must be removed and if Experian can not provide me a copy of verified proof, They must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately & not updated inaccurately. 

1. XXXX XXXX Account Number : XXXX XXXXXXXX Unverified Account 2. XXXX XXXX XXXX Account Number : XXXX XXXX  Unverified Account 3. XXXX XXXX Account Number : XXXX XXXX XXXX  Unverified Account

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have sent several dispute letters asking TransUnion to send me written verification from debt collection XXXX XXXX XXXX, I have not received. Also, TransUnion is reporting is collection as an open account which is not under FCRA compliance.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
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 filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.

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 2022-10-13
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 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 2019-02-15
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:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.

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 2021-06-29
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
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 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 2022-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, a Debit card arrived at our home address for our new USAA checking account. Problem is, we did not open a checking account with USAA. I contacted the number on the card and explained that this was very suspicious since this account was not opened by us. 

The customer service person was very nice and said we need to speak to a specialist, but suggested we call back early in the morning since wait times could be up to 3 hours for a specialist. We call back about 7:00 am the next morning only to be told ( via recorded message ) that the wait time was 12 hours. The next morning we tried again and wait time was 9 hours. 

I reached out to USAA on their XXXX page and sent a message. Since XX/XX/XXXX, I have messaged them several times. Often the response is " someone will get back to you ''. As of today, XX/XX/XXXX, I have still not heard from them. 

This is very alarming to me being that they were recently fined for not safeguarding against fraud. Most checking accounts have to be opened using a Drivers License, so if a copy of our license was used, I have big problems. But without hearing from them, I have no idea what is going on. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: LJ Ross Associates
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:
I requested that XXXX prove to me how they " verified '' that the account with L J ROSS ASSOC is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with Portfolio Recovery Associates at least 3 to 4 times. It is not my debt. The customer service representative stated that the debt came back verified in their favor.

This debt was not removed from my credit report during any verification process.

Portfolio Recovery Associates keep sending me a bill that THEY said establish validity. A bill does not make it my debt.

They have not provided any documentation with my signature or a contract.

Because I am trying to remove incorrect entries and debt from my credit report, I called for a settlement amount in order to remove it from my report. I didn't think to file a complaint until during the CSR call. I advised the CSR that I would make a complaint.

This is not my account and this is not my debt.

I am attaching a copy of their verification documents they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/23, someone hacked into my Capital One online banking, created virtual card numbers, spam bombed my e-mail address, and made large purchases. I spent hours regaining access to the account. It has been determined that the hackers accessed my e-mail address and obtained an old copy of my driver 's license, then used it to call in and impersonate me as well as upload that document for identity verification. I was emphatic that this would happen again as long as the continued to use this same piece of compromised information as valid identity verification. They disagreed and it got heated. The hackers regained access that same day. I did it all over again. Capital One fell for it again the next day. I regained access. Capital One fell for it again the next day. After hours of discussions, they said they would escalate it to their security division. I waited patiently for nearly 2 weeks and a XXXX - XXXX XXXX XXXX - called today ( XX/XX/23 ) simply to state that Capital One couldn't protect my account. They could reset it but there is nothing they could do to prevent it from happening again. Their sole motive for calling was to get me to agree to accept my accounts with subpar security precautions or close my accounts altogether. I told that this was an outrageous position and demanded that someone come back to me with a solution regarding how Capital One would not fall for the same piece of compromised information. He didn't want to do that and simply wanted to end the call. I told him that was the lazy, cowardly way out. 

After regained access to the account with a new e-mail address, the hackers got my other email address out of my capital one online portal and spam bombed it as well. If Capital One hadn't let them into my account, they would've never had this alternate e-mail address and been able to spam bomb it.

Capital One 's 2 factor authentication allows you to type in ANY phone number to receive the security code. The whole purpose of 2 factor authentication is to send secure login tokens to known, valid phone numbers and/or e-mail addresses. When you can type in any phone number or e-mail address, what is the purpose?

1. ) Capital One 's 2-factor authentication does no authentication if the security token can be sent to ANY phone number, even if not registered on the account profile.

2. ) Capital One accepting the same compromised identity verification document time and time again is absurd. Not only do that accept the old driver 's license previously proven to be compromised, they requested this specific document for verification. An item known to be compromised and used to gain account access at Capital One on Monday and again on Tuesday and Capital One requested THAT VERY DOCUMENT for verification again on Wednesday and on Thursday. Again and again. This is absurd.

Company response to consumer: Closed with explanation