BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. XXXX  Delete this Inquiry for fraudulent reporting becuase XXXX XXXX was reported on XXXX XXXX. XXXX Delete this XXXX for fraudulent reporting becuase XXXX XXXX was reported on XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: CT
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: LA
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:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
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 have spoken to customer service five times - all recorded where they promised to remove the membership fee from my account that I cancelled in XXXX. It is now and my credit report is affected by an overdue account that was promised to me to be cancelled and XXXX balance - XXXX times. The last call in XXXX, an operator assured me that a complaint/investigation was being filed regarding my issue. I have heard nothing since, and my credit score had dropped severely due to a 90 days late notice. I have never experienced such a complete disregard for promises made to a customer- so many times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One Credit Card Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted Capital One in regards to this account that is reported in my XXXX XXXX and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. 

XXXX accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: MD
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:
IpaidoffmyXXXXXXXXXXXXcreditcardthatpostedtomyaccountonXX/XX/2019.IcalledXXXXtoinquireaboutthecreditreportingupdateandtheysaidtheyonlyreportonthelastdayofthemonth.

XX/XX/2019Icalledagainasthebalancestilldidnotreflectthepayoff.XXXXstatedthatbecauseIhadpaidmidXXXX,itwaspossiblethatIdidn'tmakethereportingtimebutshouldbeokforXXXXreporting.Isubmitted2disputes,tryingtogetthemtoremovethehighbalanceASAP,asIamtryingtomakealargepurchase(e.g.,Car/home)EarlyXXXX,XXXXXXXXnotifiedmethatmybalancehadchanged.WhenIcheckedit,itshowedmypaymentof{$2400.00},whichhelpedmycreditscoretremendously.

Yesterday,XX/XX/19IgotaXXXXXXXXnotificationthatthe{$2400.00}wasmyXXXXcreditcardbalanceagain.

Today,XX/XX/19IcalledXXXXandspoketoXXXXwhostatedthattheyarereportingaXXXX$balancebutthatthecreditbureaushave30-60daystomakethechanges.Theyalsoprovidedmewithaletterstatingthattheywerereportingthe{$0.00}balance.

IalsocalledEquifaxandtriedtoexplainthesituationandthatthehistoricalbackgroundontheirdisputeresponseshowsthe{$2400.00}paymentonXX/XX/XXXXbutthatnowithasbeenreverted.Theirresponse?Thecompanyconfirmedtousthatthereportingdataisaccurate.NO,ITISNOT.

IkepttellingbothcompaniesthatIshouldnothavetowaitanother30-60daysbecausethereappearstobeaglitchsomewhereandsomeoneneedstolookoutsidethenormalreportingprocess.Otherwisetheywillbothkeeptellingmethesamething,monthaftermonth.IneedthisresolvedASAP.Thisoneinstancedroppedmycreditscore17points!TherepresentativeswereniceandtriedtobehelpfulbutIfeltliketheyknewaprocessandnothingoutsidetheprocesswasanoption.....butthereneedstobeoptionsbecausethisisnotanormalreportinghabit.

Equifaxhassubmittedyetanotherdisputeonmybehalf,whichisnotgoingtohelp.IFXXXXsaysthey'rereportingthe{$0.00}balance,andEquifaxissayingXXXXisreportingthe{$2400.00}balance,somethingisobviouslyincorrectandneedstoberesolvedasap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MO
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 am writing to formally complain about the ongoing issue of an unresolved charge-off account on my credit report. Despite numerous attempts to dispute and remove this account, it continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of the charge-off account on my credit report. Subsequently, I immediately initiated disputes with your credit reporting agency, providing evidence that this account was inaccurately reported. 

Over the course of several months, I have made multiple attempts to dispute and remove this charge-off account. I have followed all required dispute procedures, provided requested documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the charge-off account remains on my credit report, adversely affecting my creditworthiness and causing me financial distress. It has not been removed, updated, or adequately investigated by your agency or the creditor. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove this charge-off account from my credit report. Furthermore, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies on credit reports. 

I am fully aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove this charge off account in XXXX, Equifax and XXXX credit bureaus : XXXX XXXX XXXX XXXX Balance : {$7900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pulled my credit report, and some of the items are missing from it. XXXX # XXXX XXXX it missing from there, XXXX XXXX XXXXXXXX Its missing from XXXX, XXXX XXXX  # XXXX Missing from XXXX, equifax and XXXX, XXXX  # XXXX XXXX Missing from XXXX and Equifax, XXXX XXXX  # XXXX Missing from XXXX and Equifax, XXXX XXXX XXXX XXXX missing from XXXX XXXX XXXX XXXX XXXX mising from Equifax, XXXX # XXXX missing from Equifax, XXXX # XXXX missing XXXX XXXX and XXXX and XXXX # are XXXX Missing from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: CA
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 am sending to submit a follow-up complaint concerning the account XXXX XXXX This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-12-01
Company: EQUIFAX, INC.
State: CT
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 is willingly and knowingly transmitting fraudulent information regarding my credit profile. XXXX XXXX XXXX claims I owe their company {$450.00}. This account is not mine and is a result of identity theft. I have notified the creditor directly and the credit bureau, however, both have failed to act accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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 2023-10-24
Company: EQUIFAX, INC.
State: NC
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 am contacting you because I have found some information that is inaccurate on my credit report. I do not believe these accounts were ever paid late. 
I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are account -XXXX  XXXX XXXX XXXX. # XXXX account - XXXX  XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 usc 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a a account without my written instructions.

15 U, S. Code 1681a - Definitions ; rules of construction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
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:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 explanation
Consumer complaint received 2023-10-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my husband purchased a car. The downpayment is XXXX My husband requested the transfer on XXXX XXXXXXXX. The transfer was then scheduled for Monday. 
On XXXX XXXX ( today ) he went to check the status and his account was actually blocked. When I checked, my account was also blocked. From that on, we are suffering to reestablish the access. They wasn't being able to " send a pin '' to " verify my account '', but all information we gave was right. 
After long calls, my husband managed to have access again. We immediately requested A SECOND TRANSFER ON XXXX in order to have all our money back. 
Now our first transfer of MY FIRST TRANSFER OF SATURDAY XXXX was reversed and we have a check to pay tomorrow. They just need to liberate our money, from all transfers ( FIRST AND SECOND ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Chime Financial Inc
State: NV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My chime credit builder card was used without my permission for purchases a auto premium purchase on XXXX XXXX for XXXX XXXX purchase on XXXX XXXX for XXXX atm withdrawal on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX family dollar XXXX XXXX XXXX churches chicken XXXX XXXX XXXX called a told them my credid card was used without my knowledge and i filled complaint on XXXX XXXX when i realized my card was gone i checked my acc and found it was money taking on same day i filed the dispute the company sent me email saying because of regulation XXXX i dont get provisional credit and then XXXX hours later I get email saying they finished there investigation and found it was not unauthorized purchases but I told them that the card can be used without a pin if you use it as credit how can they be done with the investigation the same day i file it i dont believed they did a far investigation on my case So the company is not doing what they told you they would I got several emails from one of the merchant I disputed and the merchant told me they sent money back to chime per their request for refund due to fraud so I've been trying to get someone to answer me as to where the refund is the company supposedly did the refund last month on XX/XX/2023 but I still don't have it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-09-04
Company: EQUIFAX, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX  XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Bread Financial Holdings, Inc.
State: VA
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 just recently tried to obtain a vehicle loan and was denied. There is an account reporting as mine and it is incorrect. This account is a Victorias secret opened my my husband and he listed me as authorized signer without my authorization.

Company response to consumer: Closed with non-monetary relief