BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: EQUIFAX, 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:
My social security number has been stolen. This person that stole it lives in Texas, and I live in Illinois. I have their name and address. They have open 1 credit card in my name ( Opened XX/XX/XXXX ) and tried to open several others ( XX/XX/XXXX ) but were unsuccessful. The credit card they opened in my name is with XXXX XXXX, I have called them explained my situation and they thought I was the fraudulent person because the address didn't match! Then on my Equifax they changed my address to theirs in XX/XX/XXXX! I am extremely worried about my information and my credit being affected by all this, and I seem to be getting no help from the companies involved. Please help me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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. 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 Account number : 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 2018-04-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
XXXX XXXX, XXXX has illegally restricted me from using their services. They say first my account triggered an alert, stating Ive supposedly violated their terms of service, but can not seem to prove it to me, stating for security purposes, they cant tell me. Now they say theyre using the regulations against me. They say basically they can do whatever they want, and corporate refuses to contact me back. Ive tried contacting their corporate office, but no avail. They absolutely refuse to contact me back. I would love a call from corporate to explain how they get to make their decisions, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A creditor on my consumer credit report sold my account to a debt collection agency. I had XXXX knowledge about this activity. They collection agency then proceeded to call me and was able to get payments from me. I have the scheduled payments dates. I believed it was fraud because my balances were never being lowered on the past due accounts. I stopped paying and told them not to contact me. A year later and Ive been disputing my account with the original creditor ( XXXX XXXX XXXX XXXX ). They gave me knowledge that they sold my account and actually got it back from XXXX XXXX XXXX my information has been in so many different hands I know it is many violations that has occurred. The balances are all wrong and its causing mishap on my credit report. I want to sue each of these companies and get this auto debt account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Kashia Services
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called to get an refinance loan. They said no canceling my application. I asked why. I borrowed XXXX and they said I have to pay XXXX in order to get a refinance. 
So I asked could my payment be waived until my next pay date again no. 

Even though more than half of the borrowed amount has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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:
Complaint Against Experian for Failure to Remove Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate information from my credit report. This information does not pertain to me, and its presence is in direct violation of U.S. Code 1681c-2 and U.S. Code 1681b.

Despite my repeated attempts to rectify this issue with Experian, they have been unresponsive and have not taken appropriate action to correct this erroneous entry on my credit report.

I believe this oversight is detrimental to my financial well-being and directly impacts my ability to access credit on fair terms. I request that the CFPB conducts a thorough investigation into this matter to ensure that Experian complies with the relevant federal regulations. 

I have retained documentation, including proof of my identity theft report to support my claim. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the appropriate steps to ensure that my rights as a consumer are upheld. 

Sincerely, 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
Consumer complaint received 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries not recognized by me, more than 30 inquiries which I did not authorize and is reflected in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2019-12-15
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
Sent XXXX XXXX and Experian a Dispute Letter requesting verification of inaccurate information being reported on my credit report. Letter was sent via certified mail and delivered. Dispute case was opened on XX/XX/XXXX and after only 1 week the dispute was " resolved '' by Experian. Several violations to the FCRA & FDCPA were committed. 

1. No verifiable evidence was provided ( bearing my signature ) for the ownership of this account. 
2. Experian or XXXX changed the 7 year removal date. Under federal law any negative account being reported can only remain on account for no longer than 7 years from delinquent date. Before the dispute was created the " age date '' of this account was XX/XX/XXXX. After the dispute, the date was changed to XX/XX/XXXX. This is an illegal action and account must be removed for violation of the FCRA & FDCPA.

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 2023-02-10
Company: CBC Companies, Inc.
State: KY
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:
When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
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 am writing to bring to your attention a concerning matter involving Experian 's failure to conduct a proper investigation and subsequent removal of an inaccurate account from my credit file. This situation is in direct violation of the Fair Credit Reporting Act ( FCRA ) and demands immediate intervention to rectify the issue and uphold the integrity of credit reporting. 

I have identified an erroneous account listed on my credit report, which is adversely affecting my creditworthiness. The details of the account are as follows : Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  XXXX I have followed the appropriate procedures to dispute the accuracy of this account directly with Experian, providing all necessary documentation and evidence supporting my claim. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to conduct a reasonable investigation within 30 days of receiving a dispute. It has been well beyond this timeframe, and Experian has failed to meet its legal obligation to conduct a thorough and proper investigation. 

Furthermore, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA, if the credit reporting agency can not verify the accuracy of disputed information, it must promptly delete the disputed information from the consumer 's file. Experian 's refusal to adhere to this provision is a direct violation of my rights as a consumer. 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention in this matter to ensure that Experian fulfills its legal obligations under the FCRA. I urge you to investigate this case thoroughly and expedite the removal of the inaccurate account from my credit file. This action is critical to restoring the accuracy and integrity of my credit report and maintaining the consumer protections established by the FCRA. 

I have attached copies of relevant documents to support my claim and request that this matter be addressed with the utmost urgency. Your prompt attention to this issue will be greatly appreciated. 

Thank you for your assistance in resolving this matter and upholding the consumer rights protected by the Fair Credit Reporting Act. 

Sincerely, 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
Consumer complaint received 2023-07-25
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:
It has been drawn out into the fraudulent 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 these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, 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 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 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 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 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 non-monetary relief
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
XXXX XXXX XXXX , XXXX Account XXXX I recently uncovered that XXXX XXXX XXXX continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to cause further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by XXXX XXXX XXXX each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, XXXX XXXX XXXX began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession. After consulting with a legal advocate attorney who is handling other complaints against this credit reporting agency, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail the deceptive business practices and false credit reporting to the agency by the data furnisher, failure of the data furnisher to abide by a cease and desist even after receiving notice of my intent to file bankruptcy, and failure of the credit reporting agency to report correct valid information or remove the invalid/erroneous record from 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 2017-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
On XXXX XXXX XXXX around XXXX ; I received a phone call at my office stating that she was agent XXXX XXXX with the Federal Bureau of Investigation. I was told the IRS sent her information that my identity had been stolen, and the perpetrator had outstanding taxes owed. An arrest warrant would be issued in my name if the taxes were n't paid immediately. From this point, She told me that she needed to confirm my bank account information to make a withdrawal, she knew my checking and routing numbers, which led me to believe she was indeed with the FBI. I did n't have enough in my checking at the time, so she told me to use credit cards to pay the taxes instead. To make a very long story short, I spent the rest of the day running around buying gift cards in large amounts ( $ XXXX {$3000.00} ), where no one who knew about the scam questioned me and allowed me to make such purchases. 

Finally, the next Day I realized it was an elaborate scam and I immediately called Bank of America to report that I had fallen victim to this scam. I filed fraud disputes for all of the transactions that were solely because of this scam. I then immediately filed a complaint with the Federal Trade Commission, and was told by the FTC that the stores where I made the purchases should 've questioned me on the large dollar gift card purchases, and that this would be looked into. 

After doing some research I came across an article that stated that victims of scams can only be charged {$50.00} if the unauthorized transactions were reported within three business days, the article also mentioned that transactions that were conducted by consumers being misled by scammers would also be recognized as unauthorized, and therefore covered under " Regulation E ''. 

A few days later, I checked my credit card account only to discover that the total amount disputed had, in fact, been charged to my credit card. I realized that the bank had denied my claim. I have consistently been a fiscally responsible person all my life, and banked with Bank of America for several years, only to have this happen to me. I know this will reflect poorly on my excellent credit score, and believe that people should be protected against situations such as this. Bank of America is apparently known for denying claims like this, and I would like my rights honored.

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