BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} XXXX is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The XXXX  XXXX Account And XXXX  XXXX XXXX XXXX I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-03-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I hope this message finds you well. On the XXXX XXXX XXXXXX/XX/2023, I opened a PayPal account for my Business in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I messaged customer care asking them that I'll like to verify my account. Which I got a link where I uploaded all my personal documents for my business which includes, proof of address, utility bill, certificate of incorporation. After uploading this information on the PayPal website. I got an email later saying my identity has been confirmed. Upon confirmation of my identity, few minutes later I got another email asking me to upload my ID and proof of address which I did, then the next thing my account got limited permanently. After uploading all my personal details. I didn't even make any transactions on the app PayPal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/2020 at XXXX XXXX  California Check Cashing Stores left a message on our voicemail regarding a payroll issue with a check under the name of XXXX XXXX in the amount of {$1000.00}. I called them back the same day and explained our company checkbook had been stolen from a work truck and those checks were cancelled with the bank right after they were stolen ( months before ). An employee told me that someone from our company verified the check ; there are only two people in the company - my wife and I. Neither us verified anything as we have gotten calls from this same check cashing place three times over fraudulent checks - each time we verified the checks were cancelled with our bank and should not be cashed. The employee apparently cashed the check. 

On XXXX/XXXX/2020 we received a letter from California Check Cashing Stores stating they cashed a check for {$1000.00} to a XXXX XXXX and that we now had to pay them the money. They stated that if we don't pay in ten days they are pursuing all remedies for payment allowed by the law. 

On XXXX/XXXX/2020, I received a call from California Check Cashing Stores and when I explained that we were not liable, after speaking with our bank and a regulator in consumer protection, the employee on the phone started yelling at me when I explained we were not liable. They threatened legal action and hung up on me ; I tried to call back several times and have been hung up on before I can speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I retrieved a copy of my personal credit report and saw that a bankruptcy had been reported across all three major credit bureaus. 

I contacted the US. Bankruptcy Court to investigate this information and to verify who they report information to. 

The Bankruptcy court responded saying that they do not report information to any credit bureaus. 

I contacted all three bureaus and enclosed a copy of the correspondence that I received and requested that the inaccurate information on my report be removed immediately. 

I received no response from any credit bureau in regards to this.

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 2023-08-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Ive been a customer from American Express since XXXX. I applied for a business credit card back in XX/XX/XXXX. I was able to use my card for the first two days after that all purchases started to decline. I called American Express multiple times my employee call American Express multiple times, in which we were told the account was fixed, however purchases were still declining. I was a little aggravated so I decided to ask for a supervisor the supervisor explain to me that there was a concern with my identity, which I totally understood. He gave me a website in which I had to do, an online notarization for my identity a couple of hours later I received an email stating to print out this attached paper and to go into a financial institution to get the paper notarized in person. I did it send it and was advise that it was gon na take about 3 to 5 business days to verify the legitimacy of the paper, its been almost 2 weeks now when I call instead of telling me 3 to 5 business days theyre telling me they dont have a timeframe to verify my paperwork. I requested to speak with a supervisor multiple times and their answer is theres not a supervisor available at the moment. That supervisor is going to call me back, nobody called me back nobody fix the problem with my account. Ive had a lot of patience and Ive provided all documents that American Express has requested from me. I open this account because I want my business expenses away from my personal expenses. I expect that if I am approved for a credit card, Im going to be able to use it, the customer service, the way agents treat me have been horrible. I want to remark XXXX with user ID. She was horrible disrespectful and very unpolite with the amount of money that American Express charges for fees, annual charges, and every type of charge I expect to be treated with respect and courtesy every time that I call. I ask the CFPB to act in my behalf and ask American Express to please lift the restriction of my account as is in violation of my rights. Thank you. attached, please find documents submitted to American Express verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX 

They have violated my rights. 15 U.S.C. 1681 Section 602 states A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 2020-12-18
Company: Experian Information Solutions 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:
I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my XXXX and Experian credit reports and Late 120 days on XXXX. When I looked at the payment history while Experian was reporting the account as a collection/chargeoff, XXXX was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of XXXX was changed from a collection/chargeoff to late 120 days and the payment history for XXXX was changed to OK at the same time that Experian was reporting as a collection/chargeoff. As I continued to monitor my credit reports, Experian changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of Errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this XXXX XXXX XXXX CAPITAL ONE NA Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I've recently over come Identity Theft after having filed a complaint with the cfpb, the ftc, the lapd, etc. I finally had negative marks removed after numerous months of turmoil. It states on Experian that because I am a victim of Identity Theft that in the State of California I have the right to resend my application to creditors who requested access within the past year due to the negative marks caused by identity theft which most likely was causing my denial. I was told they can not and will not do it. Seems a little unfair I'm still being punished for something that I didn't do. The only reason I didn't get approval with the SBA for my business was because of this fraudulent collection that I had removed. I would get approved if they could see my new profile. I shouldnt have to take another hit on my credit to run it again due to being an identity theft victim. My life has been turned upside down by my identity being stolen and Experian has kept me on the back burner also allowing inquiries in my name when I have a fraud alert don't know how that works or why I've only authorized my credit to be ran 6 times only that doesn't match my inquiry amount. Thank you for your time and help.

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 2023-01-02
Company: EQUIFAX, INC.
State: MN
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 : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX 

They have violated my rights. 15 U.S.C. 1681 Section 602 states A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Trustee XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX State Bar Number XXXX XXXX XXXX XXXX XXXX XXXX 
State Bar Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( FAX ) decided to file an unlawful default judgment to garnish all of my money-exempt funds at XXXX XXXX XXXX  XXXX due to their deceptive and unlawful garnishment of my unemployment benefits, 401k indirect rollover, and federal aid leaving me with XXXX  available funds. I am having a difficult time trying to feed my kids, keeping running water and electricity, paying for gas maintaining basic needs due to having exempt funds seized and left with absolutely no money to even pay for water. Despite my several attempts in XX/XX/XXXX and XX/XX/XXXX to remedy this, the previous law firm continued to transfer me to different reps and even provided an invalid number. Then mention that they no longer have my debt and it's transferred. I lost my job in XX/XX/XXXX, got sick, and did not get paid for taking XXXX. I do not have a single or cash on hand, left destitute I need access to my money as my health and kids are left to provide bare necessities like water, lights, food, etc. XXXX and XXXX XXXX XXXX Imposing unenforceable clauses in take-it-or-leave-it customer contracts. Deceiving customers about their rights : Failing to adhere to consumer protections governing customers bank accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: DC
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 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 response to consumer: Closed with explanation