BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-02
Company: Comerica
State: FL
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
DirectExpress gave SSI funds to a car rental company ( XXXX ) vs having the funds available for use, living expenses. I did not have knowledge of any dispute or outstanding debt I supposedly had with any merchant. The first cpl times I called in I was told XXXX had a dispute with me. None of it made sense to me. I had leased a car for 3 days in XXXX, but now they are keeping my SSI monies in the negative initially For - {$3900.00} and keeping my checks to pay off this negative amount. Which would be another 6 months of me negative XXXX balance. Due to their mishandling of my Monies -i am now homeless and suffered a XXXX. I am more then slipping thru the cracks, I have slipped - I 'm all the way down. I need someone to advocate for the funds that I 'm legally entitled to as well as the fact that my benefits are federally protected. Ever since I 've contacted them on XX/XX/2016 they have played games with me. The first dispute they never sent me any information on. They always pretended they were going to send me the dispute packet until their 45 days of investigation had ended, then I received a denial letter. So I wrote a complaint to the Treasury dept. The next thing I know I get a phone call from a man named XXXX at the email address : XXXX. He 's lead me to believe he was acting on my behalf, opening another dispute and asking to jump thru another hoop. I 'm writing to ur agency to ask that u would on my behalf give them a swift kick in the but. XXXX has done the same thing, left me hanging onto hope that this matter would be remediated and he was working on my behalf wherein he 's done the same protocol. Having me hang on and be hopeful and then close and dismiss my dispute. He knowhat SSI funds are federally protected and that I 'm doing every imaginable thing to survive this major set back. XXXX and DirectExpress know they could come at my Dispute from a number of directions yet they choose not to. I was so happy to find ur organization, and some of the cases uve worn in the courts. If any agency could be helpful to my situation. And the sooner the better. Allow me to thank u now for any all work u do on my behalf. Sincerely, XXXX pH : XXXX DirectExpress Tracking ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: EQUIFAX, INC.
State: OH
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 went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX  and XXXX  dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive anything in the mail from this company, there was no communication at all

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 2023-08-23
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:
I dispute the credit item under 15 USC 1861 A6 and A7. My legal name is solely XXXX XXXX, not XXXX XXXX. Experian 's refusal to address this issue violates legal standards. Relevant laws must be applied, with emphasis on CFPB regulations. 

Account : XXXX XXXX XXXX  XXXX Account XXXX : XXXX Type : Credit card Opened : XX/XX/XXXX Status : Charged off, {$4500.00} written off, {$4500.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$4500.00} Last Balance Update : XX/XX/XXXX Limit : {$4000.00} Highest Balance : {$4500.00} On Record : Until XX/XX/XXXX Account XXXX XXXX XXXX  Account Number : XXXX Type : - Responsibility : Individual Opened : XX/XX/XXXX Status : No status Status Update : - Balance : - Last Balance Update : - Highest Balance : - Terms : - Account : CREDIT MANAGEMENT, XXXX Account Number : XXXX Type : Collection Responsibility : Individual Opened : XX/XX/XXXX Status : Collection account, {$400.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$400.00} Last Balance Update : XX/XX/XXXX Original Balance : {$400.00} Highest Balance : - Terms : 1 Month On Record : Until XX/XX/XXXX Experian 's obstruction of resolution contradicts legal obligations. Action within CFPB guidelines is imperative.

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 2023-02-14
Company: EQUIFAX, INC.
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 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 states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: WY
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:
Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from XXXX. It indicated that a credit inquiry was made. ( XXXX/XXXX    XXXX, FLXXXX ( XXXX ) XXXX ) However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
I disputed items on my report because the FCRA says my report must be 100 % accurate and the items are still reporting inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated

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 2022-11-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was unauthorized transaction in my account for {$2000.00} via Amex Send. I have never used this feature and immediately reported to American Express fraud department the same day I noticed the transaction. They were able to refund some of the charges except the {$1300.00}. I reached back to their fraud department numerous times but my call kept getting dropped after they put me on hold. They keep telling me that I am liable for the remaining charges although I was not the one who made the transaction. Could you please help me with this matter? They just charged me late fees for not paying this charges. I have no other transaction in the card except this fraudulent ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NV
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:
For XXXX XXXXXXXX The information on my report has not been certified to meet any specific reporting standards. The data included is not guaranteed to be accurate, up-to-date, or complete. In order to ensure compliance with any consumer legislation and reporting obligations, supporting documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MO
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:
Per attached screenshots, this is in regards to DEPT OF ED/AIDVANTAGE as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my XXXX XXXX and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

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 2022-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter to Equifax, XXXX, and XXXX on XX/XX/XXXX. It's been well over 30 days and I have not received a response to remove the following credit inquiries from my credit report. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Equifax, XXXX, and XXXX have 30 days to respond to my dispute. 

Please investigate and remove these inquiries from my credit report. 


XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have dispute with Experian and XXXX  multiple times the validity of the public record information they have been reporting For TX BKPT XXXX and TX BKPT XXXXXXXX. On XX/XX/21 I sent certified letter # XXXX XXXX XXXX XXXX XXXX ( USPS Tracking # ) to Experian and requested under FCRA 611 ( a ) ( 7 ) for a description of all validation methods for the above referenced public record information that is showing on my credit file. I have ONE bankruptcy and that is XXXX. I filed disputes with XXXX XXXX and as a result, they removed the information. The information shown in XXXX  is not mine. XXXX is reporting incorrect information about me. My phone # is tied to people who are not me! I sent the same request to XXXX ( XXXX XXXX XXXX XXXX XXXX postal tracking # ) on XXXXXX/XX/21 and I have not gotten a response.

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 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
To Whom It XXXX Concern, I am writing to dispute the accuracy of the information on my credit report maintained by your credit reporting agency, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of two accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by 15 U.S.C. 1681c-2, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NJ
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:
This information that I show here is to be removed from my report since it is not mine and it affects me. 

XXXX XXXX - XXXXXXXX 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