BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NV
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$830.00} XXXXXXXX XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$500.00XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2100.00XXXX XXXX  XXXX Balance : {$830.00} XXXX XXXX Balance : {$1000.00} CABRILLO XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
The inaccurate account was brought to my attention recently. I have no knowledge where it come from I have never agree, sign or authorized the transaction. I have attached my license for verification. The information reported is incorrect, must be an error and accidently placed on my 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 explanation
Consumer complaint received 2022-08-08
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX XXXX Balance : {$190.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 2017-10-31
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A background check contains incorrect information : I have never been in Illinois. The assertion that I have been in XXXX, Illinois suggests that my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NV
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. 

Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : 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 2023-07-19
Company: EQUIFAX, INC.
State: PA
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 not received anything that validates the alleged debt is mine. I need to see the original contract with my signature and the signature of the person I owe alleged debt to. I need to know who owns the alleged debt as well as their address. According to 15 U.S. Code 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Therefore if the above information is not provided the alleged debt is not validated and according to 15 U.S. Code 1692g ( b ) all collection efforts shall be ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate 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 2023-07-20
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:
I have disputed this account with you before and you failed to remove the account without validating the correct balance and payment history. I reported that you are reporting the wrong balance. I will attach the settlement letter from this company showing the correct balance I owe. Even without the settlement letter, the XXXX bureaus are reporting different amounts. How does this meet FCRA guidelines when all data furnished should be the same? I am demanding that the following account is removed from my credit report due to inaccurate reporting and due to the account being settled. Being that I have proof of incorrect reporting and my attempts at getting this account deleted, I will be seeking compensation due to many FCRA violations if this account is not removed from my credit report within 15 days : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX I original made a purchase of {$2700.00}. When I noticed that the cashier rang my purchase under 12 month same as cash plan I quickly return to the store. The Manager XXXX return the original purchase, and re rang my purchase under the 36 month plan. The issue at hand is that the original return was never credited to my account. So, I am being charge an extra {$2700.00}. I have been trying to dispute this charge since XXXX of XXXX. I have made several calls to Mr. XXXX but, he has not returned any of my calls. Every time i file a dispute the information that I send, and or up load to Zales website is either delete, or the company does not receive my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
As an XXXX for XXXX XXXX XXXX XXXX, I applied for a Spark-branded business credit card with CapitalOne today Friday XX/XX/2021, using the Tax-ID number belonging to XXXX. During the application process I was asked for my personal legal name and social security number underneath a note on the application that read that my personal information would only be used to identify the applicant. 

Moments later, the application was declined and I received a notice the CapitalOne had used both my personal XXXX and XXXX  reports in a hard inquiry which affects my personal credit score. 

I called the reporting agencies to dispute this and they told me I needed to speak to CapitalOne. I called CapitalOne who refused to acknowledge that they fraudulently advertise that personal information will only be used for identification during application for a legal business entity. They simply stonewalled me with the position that personal information is used for business credit, but their application makes no mention of this. I am trying to repair my personal credit post-Covid and would never have applied for this card under full disclosure by CapitalOne. XXXX has a good ( B-grade ) credit rating all on its own and as its own legal entity does not need its rights violated by being discriminated against based on the applying XXXX 's personal credit history. 

I wish to petition the CFPB to instruct CapitalOne to remove the hard inquiries from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TN
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: Other problem getting your report or credit score

Complaint:
Ive sent equifax proof of identity ( ID & SS card ) theyre stating that those are valid documents, but are requesting that i send those same exact documents over again. 

The representative that I spoke with stated there were NO documents. He then placed me on hold when I told him the documents were sent to Equifax 90 days again and he in fact they have the documents but I have to mail them out again. He refused to transfer me to a supervisor stating they were too busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-04-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2021, I sent Equifax and XXXX  letters regarding inaccurate and incomplete information that they are reporting on my credit report and has not given me any documentation concerning these negative tradelines. I have attached copies below of the letters that i have sent to the collection agencies as well. no one responded and it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and noticed several errors that require your immediate attention. 

Firstly, the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both located in XXXX, MD XXXX, do not belong to me. I request that you remove these addresses from my credit report as soon as possible. 

Secondly, the employer listed under my account number as US Dept of Education and US Department of are incorrect. I do not work for either of these organizations and request that you delete them immediately from my report. 

Thirdly, I noticed that the account number XXXXXXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

Fourthly, the account number XXXX XXXX XXXX XXXXXXXX does not belong to me, and I request that you remove this inaccurate information from my credit report immediately. 

Fifthly, the name listed under my account number as XXXX XXXX XXXX belongs to someone else. I request that you delete this name from my report immediately. 

Sixthly, the previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX is listed twice under different account numbers. This address does not belong to me, and I request that you remove it from my credit report immediately. 

Seventhly, the inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, and I request that you remove this inquiry from my credit report. 

Finally, the account number XXXXXXXX XXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

I appreciate your attention to these errors and request that you take the necessary actions to correct my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: U.S. BANCORP
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I chose this category because it was the closest one that applies. 
I purchased a pickup truck in XXXX of XXXX in XXXX  and got a loan through US Bank which was chosen by the dealer. I got a title in XXXX  and registered the vehicle as usual. In XXXX  the title is issued to the vehicle owner with a lien by the bank until the loan is paid off. After a couple of years I moved to XXXX, became a resident and transferred the registration to XXXX.  In XXXX the bank holds the title until the loan is paid off. Three years later I moved back to XXXX, became a resident and tried to register the vehicle. The courthouse in XXXX  requested the title from the bank by submitting a formal written application. The bank refused to give them the title stating that it is bank company policy to not do state to state title transfers and will hold the title until the loan is paid off if there is less than 6 months left to pay off the loan, which in this case is less than six months. The courthouse has made phone calls to US Bank and I have made calls talking to no less than three customer service reps plus a customer service manager. All have denied giving the title to the courthouse with the same reason as stated above, their company policy. This process was started near the end of XX/XX/XXXX and the bank still won't budge. My temporary tag expired and the courthouse said they can only issue one. Therefore, I can't legally drive my truck. I filed a complaint with a local US Bank in XXXX and he said it would go to a special customer service department because I claimed they were acting illegally. It is still going to take too long to resolve this plus resolving this issue for me doesn't fix the root cause of the problem for all consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: AES/PHEAA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Fed Loan Servicing and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that Fed Loan Servicing was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.

Company response to consumer: Closed with explanation