BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
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:
UPDATED INFORMATION as of XX/XX/XXXX EQUIFAX has violated me multiple times and is liable for damages. Good Faith in the banking system is dependent upon proper and accurate credit reporting and EQUIFAX has cause me to lose faith in the banking system. I am no longer willing to extend my credit as the original consumer and creditor if this matter is not solved and payment has been made. 

EQUIFAX had furnished a unauthorized inquiry on my reputation that i have disputed in XXXX and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction this states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX allowed inaccuracies to be furnished on my consumer report. This act of Ill Will has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-02-21
Company: Experian Information Solutions Inc.
State: AL
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 have previously filed a report stating the bills included in this report do not belong to me, XXXX XXXX continues to report these accounts irresponsibly causing undue strain and stress in me. I am in the process of relocating to buy a home and my credit is reflecting these accounts prohibiting me from doing so. I would like these accounts removes as soon as possible. These accounts are being recycled to different debt collection agencies by 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 2023-08-25
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over draft fees and ATM fees from 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 2023-01-21
Company: Experian Information Solutions Inc.
State: PA
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:
I suspect fraudulent inquiries on my credit report that I didn't authorize. 

XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date 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 2017-07-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since Experian assigned  XXXX   XXXX  from their consumer affairs department, I can not get any information from experian.com and I am not able to get the Experian annual credit report.

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 2023-11-23
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
{$2500.00} taken out of my account without my permission around XX/XX/2019 2019

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 2020-01-07
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: Public record information inaccurate

Complaint:
After sending several letters to XXXX requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have filed my Identity thief report an my police report I have notified Experian of the inaccurate information still being reported on my file as of today XXXX XXXX Experian report number XXXX The Name XXXX XXXX XXXX appeared on my report I contact the mixed file department, the fraud department I have been transferred to three different reps whom English is not good. I want this removed from my report also the paid in full account in which I have informed them was not opened by me From XXXX  showing up on my report. I submitted the this account on my identity thief report They send me information stating they have investigated this matter an still have not updated my file. 

.

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 2023-08-25
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, TX XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Creditor : XXXX Account # XXXX Creditor : XXXX XXXX Account # XXXX Creditor : XXXX XXXXXXXX Account # XXXX I keep immaculate records of payment history across all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
This complaint is against capital one credit card services. In XXXX of XXXX, I sent a written notification to capital one of billing errors that appeared on my statement printed XX/XX/XXXX. This is as directed per the instructions on my statement. The notification was sent to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX You were notified in writing in XX/XX/XXXX as to billing errors discovered on my statement. No response was ever received. 

You were again notified in writing in XX/XX/XXXX of billing errors discovered on my statement. No response was ever received. 

You were notified again in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response ever received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

You were notified in writing in XXXX of XXXX of billing errors discovered on my statement. No response received. 

The card ending in XXXX was not deactivated until XXXX of XXXX. 

No response was received for any of the written notifications sent in regards to this account within the specified time period specified. 

You first responded as to the outcome of the Identified billing errors investigation at the end XX/XX/XXXX. 

My phone calls were met with extreme resistance and extreme repetitiveness, creating overall confusion as to why and what all had been included in the disputes. The subsequent fraud case which was opened unbeknownst to me was deemed closed in XXXX. 

The response I was given over the phone was that it was my fault I continued to pay for the outstanding charges on my bill that were valid and that nothing would be done further. Despite capital one never canceling the card or providing any fraud protection of any kind. I was not aware the charges had not been reversed and continue to use the card as normal having never received any written notification or further instructions. 

Additional correspondence received in XX/XX/XXXX informing me of additional charges added to the case ending in XXXX. XXXX correspondence previously stated this case as closed. 

This is a demand for remedy for the outstanding refund owed to me in the amount of {$11000.00}. 


Copies of all written notifications sent to capital one have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: I.C. System, Inc.
State: PR
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 IC System Inc. company reported a collection account in the Credit Report. This one comes from XXXX. The account number shown is XXXX. They allege that this server has an account with them in Nevada that was left unpaid. 

Currently this is affecting my credit ; and on several occasions I have asked IC Systems to send me evidence of this account. Which they haven't done. Or that they prove to that I am the person who owns the account. These allege that I apply for the same in Nevada. I have never lived in Nevada, much less applied for an account with Spectrum. 
I have been living in XXXX XXXX since I was born. 

I will be very grateful for anything you can help me with. My email address is : XXXX, my name ; is XXXX XXXX XXXX. 

I will be at your disposal for any question or doubt in this regard.

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 2021-06-23
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
Iam a federally protected consumer. I sent letters excising my rights on XX/XX/2021 and is now over 30days with no response. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT AND THIS IS A DIRECT VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 called Transunion and spoke with a rep. today. about my inquiries being fraudulent. he said inquiries are factual. Inquiries are not factual and I have my identity theft police report. I did not authorize these inquiries and I want them taken off my report..i have attached my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account says XXXX dollars but they closed my account and I know I had money in my account.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: VA
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 fair card it reporting act XXXX  those account has violated my right XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I Signed up for the MyEquifax.com using their web page. After entering everything it said they needed to mail me a verification number in the US Mail and to follow the instructions sent along with the number to complete sign-up. Received the letter on XX/XX/2020. I immediately followed the instructions to enter the number on their web page. When complete, this time it said I needed to call XXXX & speak to a representative. I called and was told I would need to mail or fax drivers license, phone bills, rent receipts, etc. While I was on the phone, I received email that said I was all signed up and simply needed to log in. When I tried to login it told me my password was incorrect and I could change it. They would email me a link. When I received the email I went to the change password web page and followed the steps and it said my password was changed. I went back and tried to login using the new password. It said it was wrong again and I needed to call the XXXX number again. I called and now the machine just reports I will need to fax or mail the above information and will not let me talk to anyone who speaks english, and just hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022, 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

Company response to consumer: Closed with non-monetary relief