BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The XXXX XXXX XXXX has continually reported inaccurate credit information in my credit file even though they are NOT a credit reporting agency. I was informed by a XXXX XXXX representative that they retrieved my credit information from the XXXX and TransUnion credit files, and then in return report the information in my credit file with their company. Im assuming that this is still a violation of the Fair Credit Reporting Act ( FCRA ). My credit file with XXXX XXXX still contains negative or derogatory credit information that is very damaging to my credit file, and they should not be allowed to furnish any of my credit information.

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 2023-08-11
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-04
Company: EQUIFAX, INC.
State: CA
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:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and 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

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 2023-08-01
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
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:
THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, XXXX, Experian and XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not a duplicate. Additional new relevant information. I am an individual. This was prepaid by me, and not a third party. 

Discover : You have been notified about an ftc Id theft report. You were provided the report number. It would seem as though I never attached the document. Attached you will find the theft report along with the ftc guidelines as to how you are required to respond. 

When the account was opened there was an fraud alert on my account. You failed to take the nessisary steps to require the person opening the account provide you with unique identification. 

Upon requesting that you provide me with what unique identification you used to identify that it was me opening the account, you were not able to provide any. This account was opened fraudulently. 

You have said that you refuse to respond to any complaints that do not have new relevant information, while ignoring the fact that the account was opened fraudulently without unique identify information, which is required when there is a fraud alert on the credit file. Had you taken the steps to prevent fraud as was requested, then we would not be where we are today. 

You have been notified by XXXX  that this account was the result of identity theft. Per the ftc once notified that there is fraud/identity theft by any cra, you are no longer allowed to report that information to any of the cra 's. That includes all places you are reporting. 

You violated my rights when you did not head the fraud alert, you violated my rights when you reported it. You are continuing to violate my rights by conspiring with the two  remaining cra to not accept the Id theft report. You are suggesting that you will violate my rights by not responding to complaints recieved through the CFPB. You violated my rights by continuing to report the fraudulent account after being notified by transunion that it was the result of identity theft. You violated my rights by continuing to report after having been given a copy of the idtheft report number. And I am very certain there are additional rights you violated, like refusing to return my phone calls after a request for a call back was recieved. ( Yes, you actually responded that you recieved my voicemails more than once, and you decided you do not have to respond, despite the fact that ftc guidelines say otherwise. XXXX  ) Stop all of it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 2022-11-23
Company: EQUIFAX, INC.
State: MI
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 am writing this letter in my last attempt to DELETE and correct some personal information constantly reporting and still damaging my profile. My CURRENT AND ONLY ADDRESS is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX. MY CURRENT TELEPHONE NUMBER IS XXXX. MY NAME IS SPELLED XXXX XXXX XXXX and no other way. I ask you this one and final time to PLEASE REMOVE ALL AND ANY ERRONEOUS ADDRESSES, TELEPHONE NUMBERS, AND OR ALL OTHER NAMES, THAT ARE ASSOCIATED AND ARE STILL REPORTING ON MY CREDIT REPORT. PLEASE AND THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Avant Holding Company, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
avant llc sold my debt to XXXX XXXX XXXX  without my written consent that identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: GOLDMAN SACHS BANK USA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, Bank XXXX XXXX, Marcus by Goldman Sachs, XXXX Bank, and XXXX  Fit Loan. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. ( edited )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

XXXX  Account # 0
1 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: National Credit Systems,Inc.
State: LA
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:
My information was used and there are utilitiy account and apartments open in my name and Ive tried getting them removed and letting the companies know they don't belong to me but they are refusing to remove them and being very rude and threatening me about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NJ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I received several emails from XXXX XXXX XXXX XXXX. Thats a store that I am not used to visit. I did not open any emails until XX/XX/XXXX, when I noticed that one email said : Welcome and Thank you for joining, and then another email that provided a purchase confirmation number. when opened the email it showed my home address and my name, and the shipping to address in XXXX also with my name. I called right away to XXXX XXXX XXXX XXXX and they provided me with Comenity Capital Bank telephone number. I contacted them immediately. They told me that they were going to close the fraudulent credit card under my name due to identity theft and that they will be sending me a questionnaire in the mail, i have not received it as of yet XX/XX/XXXX. To my surprise all credit bureaus, XXXX, XXXX, and XXXX have received a hit with this new credit card under my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : I C SYSTEMS / XXXX XXXX XXXX XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, UnderOHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE I C SYSTEMS.

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