BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Account information incorrect

Complaint:
This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: RI
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 ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Revco Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Revco Solutions Inc originally XXXX XXXX XXXX XXXX opened as of XX/XX/22, and was reported on my credit report on XX/XX/22 in the amount of {$680.00}. I have no knowledge of this debt and it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  AccountXXXX 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, 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 written instructions from the consumer.

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 2022-02-04
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
When covid started I had multiple rentals that tenants were not paying and I couldnt evict them. Than once they left I had multiple repairs then the hard freeze last year with flooding and many repairs and expenses. I did do forbearance, which every time someone called from mr. Cooper on a recorded line I asked in advance to make sure it could be added to end of loan. EACH time I was told yes. Then when I tried to get our of forbearance, they would not let me start making payments until the full amount was paid. 2 of the 6 loans they own the lender agreed to loan modification, but several of them will not. I am at 6.5 % interest, well abound current interest, as well as 130,000 in equity as noted by mr cooper, yet they will not modify the loan or let me start paid monthly payments. We have never been late with them or missed a payment. We won our primary residence out right but are even unable to get HELOC or equity loan because we have investment loan in forbearance but can not get out of that till we pay {$15000.00} x 3-4. It seems like the help we were getting from them and then promised afterwards was not help and now all avenues of us getting out of this are shut because they will not work with up as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
I am interested in processing all disputes for the information on my credit report with experian to delete an clear all invalid data that is hurting my credit report. please review an remove the info listed to help clear all data that is inaccurate asap.

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 2023-01-11
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 have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt collectors without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt collectors are doing illegal activities.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is hardly the first first time I've contacted you. In your prior responses, I've gotten pablum and, whatever the bank says is what you tell me. So ( after referring to my prior XXXX or XXXX complaints ), please see the following. I've been getting the runaround from Capital One ( and you and the insurer and the reverse mortgage holder ). What was a small, to me fairly insignificant problem, as turned out to be the 100 Years ' War. And the amount at stake is fairly miniscule, except for me, of course. Attached is the last letter I sent to Capital One. If the online agreement does not say SPECIFICALLY that there may be ONLY ONE PAYEE, then everything else is BS and their argument is nothing. Attached is letter I sent to Capital One. 

And if I had the money to hire an attorney, I wouldn't be writing this now. Look at their agreement! It's not worded as they believe it is worded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: VA
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.

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. 

XXXX XXXX  XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: DISCOVER BANK
State: MI
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 XX/XX/2022, someone did obtain my credit report from XXXX without my consent ( fraudulent ). They also tried to get XXXX different credit cards fraudulently. 

This was done online. I believe that I know who did this. 

I need the XXXX address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the XXXX address, at least tell me the city and state of the XXXX address. 

Pretty simple request .... don't protect the criminal, protect me instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-19
Company: Byrider Franchising, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), you may be liable for false reporting. The referenced inquiries are falsely reporting and was not authorized by myself.

Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). 


An inquiry on my report from XX/XX/XXXX with XXXX XXXX and an inquiry on my report from XXXX XXXX XXXX has falsely inputted these inquiries on my report. I have no knowledge of these and do not claim these inquiries. I am informing you that these inquiries are not mine and were not authorized by me therefore this is false reporting and a violation! Please remove the inaccurate information as I know my rights!!

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 2023-05-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received the pre-approved offer of Amex platinum card in mailbox ( XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX, in which it said I could get XXXX membership points as the welcome offer if I applied the card. Also, it said very clear that I was pre-approved. 

Then XX/XX/XXXX, I applied this Amex platinum card online, when it was being processed, I made a phone call to the Amex customer service about the application. During the phone call, I asked three times to check whether I indeed have the welcome offer with my application not, and all three times the representative told me that yes you got the offer. Then she said I got approved, and asked me do I want to have the card, then I accepted. 

Then later on XX/XX/XXXX, when I asked the online customer service to send me a copy of the welcome offer details, I was told that my welcome offer was declined. I explained what happened and she asked me to contact the customer team via phone call. So I made a phone call again and asked what happened, and this time I was told by the representative that I indeed didn't get the offer and she said the decision was made based on my previous relationship with Amex. She also told me it was very unlikely that the decision would be changed although I have the evidence to show that I was not responsible for what happened. So now I have this card with me with no welcome offer at all and also I need to pay for the annual fee. 

I think what happened to me is nothing but a fraud as they first sent me the promotion saying that I will 100 % have it ( pre-approved ), then during the process the representative tried very hard to persuade me to accept the card so she kept telling me that I got the offer, and at last after I applied and got it they denied on what they said immediately and rejected to give what I supposed to have. 

Also the reason they gave was very ridiculous and contradicted to their own statement, because if it was because I didn't have a good relationship with Amex, why they sent me the customized pre-approved offer at first? I feel I was cheated by them and I am a victim of the false advertising of Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was XXXX, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the Late Payment Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with CREDITCD/FBT was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-31
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 am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.

Company response to consumer: Closed with explanation