BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: WI
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 contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( Continued On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 ND MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX  XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capitol One credit card that is set up for automatic payment for the balance in full. After opening a new primary checking account with XXXX a Capital One representative advised me to denote it as the primary account from which payments would be made ; this was to be marked with a star. 

Despite the change, Capitol One deducted a payment from my old bank account ( XXXX XXXX ). The left the XXXX XXXX in an NSF position. I was charged {$35.00} and received additional notification from XXXX XXXX that the payment was not made. Moreover, my credit worthiness with XXXX XXXX has now been impaired. 

I contacted XXXX by phone, waiting 35 minutes to speak with a representative. The first person with whom I spoke had no idea how to handle the situation, so I asked her to escalate the call. I was then connected with somebody by the name of XXXX, a supervisor ( who later stated there was no person higher than him to whom I might escalate the situation ). 

Having explained the problem to XXXX he said he could not view my account dashboard and was not aware that a primary payment account is denoted by a star. Moreover, he stated that he would not assist me as the situation was solely my fault. XXXX stated that I should have cancelled my auto payment from XXXX XXXX and set up a new auto payment from XXXX. Moreover, he told me my Capitol One account is now is now past-due. Again, this affects my credit rating and also comes with a hefty interest rate attached to the balance that would have been paid in full had Capitol One taken payment from the primary bank account noted on my dashboard. 

Also note, Capitol One deducted payments from my XXXX XXXX account in XXXX and XXXX, but not in XXXX. And they did not deduct payment from my XXXX account in XXXX. 

Prior to this mess I had a credit rating above 800, no late payments and a spotless history with XXXX XXXX, XXXX and Capitol One. Now everything is a mess. 

Making matters worse, XXXX would not assist further and ended the call. This has left me in the position of not knowing how to proceed to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: OH
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:
Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to XXXX, XXXX XXXX Equifax to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate this is not a duplicate My name is XXXX XXXX I'm a living breathing human being afforded all of my rights under the fcra and the fax act being a United States citizen this complaint/dispute is against TransUnion. It is in reference to cfpb complaint number XXXX. In the complaint reference to above I was asking TransUnion to remove the XXXX listing on my credit file they're investigation has taken longer than 30 days, and no extension has been applied for. Therefore it is well within my rights to use the Lost granted to me to use in the fcra and demand that the cfpb force TransUnion to delete the XXXX file from my credit report the scra states that the CRA has 30 days to complete the investigation unless applied for 15 days extension which has not happened. That being said the refusal to remove the XXXX file from my credit report will be at blatant and obvious disregard for the fcra 's laws which TransUnion is bound by once more I ask the cfpb to demand that TransUnion remove the XXXX file from my credit report per the fcra the CRA has 30 days to complete his reinvestigation it has extended past that time and I demand that it be removed immediately. The non removal of the account will be a violation of the fcra which will make me eligible for damages and transunion liable for any damages sought after in court

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 2022-05-13
Company: Experian Information Solutions 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:
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 ACCOUNT # - XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT # - XXXX ACCOUNT NAME- XXXXXXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME-XXXX XXXX ACCOUNT NUMBER # XXXX My current address is XXXX XXXX XXXX XXXX IL XXXX all other addresses are incorrect and invalid as they are not accessible to me. All other addresses being reported is a violation of my federally protected consumer rights to privacy as well. 

VIOLATIONS 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. 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. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2018-10-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time. This research was conducted more than a year ago. Case Number XXXX Phone Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've previously reported this company and requested an investigation for this company that was previously removed but continues to reappear. I've also submitted a letter and spoke with them advising i have only one name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX where i can receive mail via all 3 bureaus. They continue to keep adding these addressed back to my credit profile. Creditor is NCA which i believe is National Credit Adjusters. I've also requested that a hard copy of the application with my signature be provided and none of that was provided before they placed this back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Credit Corp Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX account with account number finish in XXXX, amount owed XXXX, I received a letter from collections Credit Corp Solutions INC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Ascendium Education Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ascendium never contacted me at my current address which I have had over 10 years. I was informed by the Attorney General to submit the complaint. Ascendium Education is reporting 16 debts from previous creditors from student loans. I attached their response which confirms that they are falsifying dates to keep on my credit reports. All of my loans exceed 7-10 years, however they are reporting the opening dates of the the obsolete accounts as XX/XX/2016. Then they are reporting the payment history as the payment history starting in XXXX, 2016. It is against the law for a collection agency not to report the same opening and payment history of the original creditor. Even if the credit collection company reports the opening date in which they receive the defaulted account to the credit bureaus, it is against the law for them to report a payment history that is not the same as the original creditor. Ascendium should know that negative re-aging debt on credit reports is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is. Negative re-aging is illegal and, if it occurs, you are in violation of the Fair Credit Reporting Act. Some collectors do this intentionally. Collection accounts may be reported for seven years from the date that the party first fell behind with the  original creditor. Thats true regardless of whether the account is paid, unpaid or settled in the meantime. If a collection agency re-ages the original date of delinquency, it is likely breaking the law, and the consumer should contact the Consumer Financial Protection Bureau and/or a consumer law attorney. I have attached my credit report so that you can see that Ascendium has changed the original date of the loans as well as they have changed the payment history. I also attached a copy of the letter from Ascendium and it supports that Ascedium is  reporting false information to keep on my credit reports. If they do not remove this false data immediately, I will be forced to sue the organization. Please take note of the dates in which Ascendium is stating, the dates of the obsolete student loans, the dates reflect that I have had all of the loans exceeding 7-10 years which support they are outdated and should not be reporting as recent student loans as Ascendium is falsely reporting. I informed the loan holders numerous years ago that I am XXXX and I have been for numerous years and informed them of such,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a police report for identity theft of this apartment and sent it directly to procollect for a XXXX XXXX apartment in the amount of XXXX I have disputed this several times also and have contacted them directly letting them know it was fraud and identity theft they have not did anything but harass me and try to collect a debt that is not mine and they will not stop reporting it on my credit making it hard for me to found somewhere to live I have tried to communicate with them and I emailed them as well in XXXX i dont recall all the dates but I reached out

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 2023-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a complaint against Equifax and XXXX XXXX  for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have previously filed a complaint, and am following up with an additional complaint because no remedy occurred. Equifax and XXXX XXXX violate 15 U.S Code 1602, 15 U.S Code 1602 ( g ), 15 U.S Code 1602 ( j ), and 15 U.S Code 1643 ( e ) because I, the consumer, a natural person, is the creditor and I, the consumer, have an open-ended consumer plan, as well as occurring an unauthorized use of the credit card which resulted in a loss. Furthermore, as stated above, my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Equifax and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My information was stolen and misused as a result of virus on my computer.

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 2023-06-29
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment in full to this company, and each time I do, they delay my credit for XXXX weeks after an ACH withdrawal. They have my money but I can not use my card for XXXX weeks, and they give no reason for it. This has happened several times. Here is their response. 

" I reviewed your account, but unfortunately, we are not able to expedite releasing your available credit at this time. You can plan on it being available on XX/XX/2023. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 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 2023-03-19
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Someone using my parson information to purchase stuff from XXXX XXXX, it wasn't me even I had to closed my account last year in XXXX and I had reported that many times but still not fixed, still received bills.

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 2020-04-15
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 credit inquiries from this company that i did not authorize. The dates of these inquiries are XXXX XXXX, 2019 and XX/XX/2019. I have no idea what this company is and why they ran my credit.

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