BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2019-01-12
Company: EQUIFAX, INC.
State: NY
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 was looking at my equaifax score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
COLLECTOR KEEPS CALLING MY MOM AND DADS CELL ( XXXX ) XXXX AND XXXX 13 TIMES AND WERE TOLD TO CAES CALLINGS MONTHS AGO SO WE TOOK SCREEEN SHOTS And are now suing you in XXXX district court for {$5000.00}

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 2019-06-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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 attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that XXXX XXXX XXXX XXXX reported account abuse on XX/XX/2018. The issue is that I have never opened an account with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2017-09-23
Company: Early Warning Services, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It happened on XXXX/XXXX/2014. Someone gave me 2 {$200.00} checks to cash for him. I did then i realized my account was deactivated so I called my back. I recorded a claim for fraud and called the police. They did a police report and have a warrant or for the guys arrest. I sent it to the fraud department with the warrant and a letter but they declind my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
AmEx continues to try to collect debts XXXX in XXXX XXXX XXXX in a somewhat backhanded way, which Im not sure is legal. I filed for XXXX XXXX XXXX in XX/XX/2013 and it has finally dropped off my credit report. I was able to continue to use an AmEx Corporate card through my employer but had to jump through some hoops to get my bosss boss to confirm that my employer would be liable for the charges and they limited the line of credit I could use. 

Fast forward to last week when I decided to apply to see if they would issue me a personal card and I got declined. I called and asked if it could be reconsidered due to my circumstances for filing bankruptcy ( a failed furniture store that my ex-wife started with her sister and I was foolishly the only person liable on the AmEx card it was around $ XXXX and my divorce, change of jobs with less pay, etc ) as well as my current credit score of XXXX ( this was the score that AmEx provided via their Web site for my corporate card they include a credit tracker ). I was told that they could not issue me a card and my account still shows a balance of {$40000.00} and if I paid that off, I could reapply but there was no guarantee that I would be approved. And they made it clear that if I did not pay it off, I would not be able to be issued a personal card. 

This seems contrary to bankruptcy laws, or at least the intent of the law that creditors could no longer attempt to collect a debt XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act ( 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 state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( 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 state a consumer reporting agency can not furnish a account without my written instructions

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 2019-01-12
Company: EQUIFAX, INC.
State: IL
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 these accounts on multiple occaions and Equifax will not excpet my Identity theft package Im at the piont where im ready to file a lawsiut agains Equifax this ia voilation of my consumer rights air credit protaction Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: EQUIFAX, INC.
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:
Good afternoon, Hoping you can help- I have listed on my credit reports a balance from a credit card that is not mine, it belongs to my mother. When I was started college in XXXX, she had given my a card from her account in my name ( as an additional card holder ) for emergencies. She did not know this had turned up on my credit until I had tried to sign for up for a lease after I left my dorm room this past year. 

She has tried several times having this removed from the company to no avail-last conversation in XX/XX/XXXX, which she has an email confirmation of if needed. The credit card company has since sold off this debt to another company ( letter received XX/XX/XXXX ) but now both have said they can't do anything about it. My mother also has an attorney that said it shouldn't be on there. She was able to have one of them removed but the other is still showing up. 

Original company was called : XXXX XXXX ( XXXX Credit Card ) XXXX XXXX XXXX, FL XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX Showing up as on my reports as XXXX/XXXX  = {$7200.00} which was sold to XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX She has tried all avenues and haven't been able to have this corrected. I'm asking if you could please assist in this matter. I will be turning XXXX in XXXX and my mother and I don't want to start off with this incorrect information. 

Thank you-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: DE
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:
Collection Company XXXX XXXX XXXX in XXXX of 2019 put on my Experian credit report that I owed them through XXXX XXXX XXXX XXXX dollars I asked Experian to dispute this frivolous item on my report and the next day Experian said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX  and Transunion should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX   as well as the bureaus to remove this line item from my credit report however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
EQUIFAX continues to violate my rights as a federally protected consumer. I sent EQUIFAX MULTIPLE FTC Identity Theft reporting and letters and filed MANY CFPB complaints in regards to a fraudulent ( and delinquent ) XXXX XXXX account that continues to report on my credit report. They continue to remove and reinsert it back on my report. The reporting of this account is an ERROR and has been extremely detrimental to my health. It has additionally now caused my over credit cards that ARE mine to be negatively affected. Both of my XXXX XXXX credit card limits have been dropped over {$15000.00} in total. That is ABSURD. The account is NOT reporting 100 % accurate with any credit reporting agencies reporting the account ( see Exhibit A ). I disputed the account right away and XXXX permanently removed the account from my report. How can EQUIFAX verify that the account as " accurate '' when XXXX removed it ( Exhibit B and A show proof ) AND the information between EQUIFAX and XXXX doesn't even match ( ex. the open dates are different ). I have been in this dispute process with EQUIFAX for many many months and my health is taking a toll. If this does not get handled right away, I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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 SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Several times Capital One auto finance has returned my auto loan payment. Each time I've called and their representatives have stated that the money was returned do to an issue with my checking account number. Each time I have contacted XXXX XXXX and their representatives state that Capital One is returning the payments. This makes my payments late and I incur fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2023-01-02
Company: Experian Information Solutions Inc.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX XX/XX/2022

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 2019-09-09
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called caine weiner who told me i dont owe XXXX XXXX and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in XX/XX/XXXX that is still open and its XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Kikoff Inc.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a credit card that I just realized was on my account and it it broke my XXXX XXXX XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Harley Davidson Financial Services Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Item showing I owe a balance of {$23000.00} I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX XXXX Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please provide payment history for the full duration for my account as a customer with your company. 

For the state of XXXX XXXX and the transfer to XXXX XXXX  once I relocated. 




Thank you kindly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly delete all information which can not be verified or reported inaccurately. I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXThe following addresses are not mine please delete/remove them:XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation