BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00} {$8500.00}, {$0.00}, {$0.00}. 
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.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2022-04-04
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: PA
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:
I've sent 2 disputes to equifax about an account that is not mine.one in late XXXX and in XXXX. XXXX XXXX  account # XXXX. This not my account nor did i give permission or ask for this account to be placed on my report. I have no idea who account this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 spoke to XXXX, XXXX  and TransUnion and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted my letter on XX/XX/2020 today is XX/XX/XXXX and its been 32 days and you have neglected to respond.Per the FCRA you have 30 days to validate the debts or remove these accounts. Please remove these accounts immediately. 
I have included a copy of the letter that I mailed to you certified on XX/XX/2020.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}

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 2023-08-16
Company: EQUIFAX, INC.
State: SC
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: GA
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 my credit file dated XX/XX/XXXX, 2017 I received an update to my XXXX credit report from XXXX XXXX. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called Experian and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to XXXX XXXX in order to get corrected updated information, and XXXX XXXX REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation

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 2023-07-23
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove the attached inquiries for violating 15 USC 1681 c-2.

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 2020-10-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today XX/XX/2020 I received a harassing voicemail from a so called XXXX XXXX from a proceeding office phone number XXXX called and said she is going to locate me and file a lawsuit against me. Told me I cant hide from her and she will keep calling. Mind you this is a third party that bought this debt from ACE Cash express so I called ACE CE instantly after, spoke with XXXX, who was polite and said she is sorry for what this third party is trying to do, she went on to say its a scare tactic, further more she said to ignore it. This was for a loan of {$240.00} She said she will notate my call and to block that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: LA
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 spoke to Experian, XXXX and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.

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 2022-10-04
Company: RIA FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The company name is XXXX. 

I had initiated a international money transfer for {$24000.00}. I wired the transfer from my bank account. Upon receipt of the wire payment, they closed my account and are now not giving me any response on the reason nor on what will happen to the transaction, will it be cancelled and money refunded or what. Attaching the contract and account closure notification for your reference. 

I need intervention from CFPB to get this resolved so that i can recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: QUALITY ACCEPTANCE LLC
State: TX
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked them to stop calling me. They continue to call me anyway. They are also calling my family members on their phone numbers. We have blocked their numbers. Then they just call from a new number. On average, they call three times a day. They do not identify themselves. They are calling from PORTFOLIO RECOVERY. They have called from at least 16 different numbers in the past month. I have asked them each time to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: DE
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: TX
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:
Trying to get my free annual report. 1st time I tried they ask for a payment that included a monthly fee. The 2nd time I got disconnected, and # 3 my information didn't match after I put the same information the first two times.

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 2020-11-19
Company: U.S. BANCORP
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:
Between XXXX and XXXX of XXXX Someone fraudulently applied for credit using my personal verifying information I have been a victim of identity theft since XXXX. I did not authorize anyone to open or attempt to open any accounts using my personal verifying information. I alerted the Credit Bureau to these fraudulent inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to dispute these inquiries, They sent out notification to the Credit companies but told me THEY DO NOT DISPUTE INQUIRIES, even if you have been a victim of Identity theft. Since then I've reached out to the companies that these inquiries were initiated thru and they also have not responded in a timely manner to remove these inquiries. Ive sent XXXX many documents that they seem to never receive. At this point these inquiries are damaging my credit report. Iam requesting the following items be removed from credit file and blocked from viewing for Identity theft or Fraud. 

XXXX XXXX THIS IS A FRAUDULENT INQUIRY XXXX THIS IS A FRAUDULENT INQUIRY US BANK THIS IS A FRAUDULENT INQUIRY XXXX XXXX XXXX THIS IS A FRAUDULENT INQUIRY I WANT THESE INQUIRIES REMOVED FROM MY FILE FOR FRAUD I DID NOT AUTHORIZE ANYONE TO APPLY FOR THESE ACCOUNTS USING MY NAME.

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 2018-09-18
Company: EQUIFAX, INC.
State: WA
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 have emailed, mailed, and called XXXX XXXX XXXX regarding payments on my account that were deffer ed and under forbearance, they were NOT LATE. I have proof via email from XXXX to show that I was approved for Deferment due to still being in XXXX XXXX. 

I have try to reach out to Equifax, and XXXX several times, to dispute this error which shows a late payment of 120 days. I have sent over proof to both company 's including Navient to take off the late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which are false because I had already gotten the student loan deffer ed and I have proof via email, still nothing has happen and the late payments still show. 

Please remove these late payments off my credit report from navient. The months that are showing this are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I am attaching proof of this as well. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: WAKEFIELD & ASSOCIATES, 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:
To Whom It May Concern, The reason for my dispute is REVENUE RECOVERY CORPORATION was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, REVENUE RECOVERY CORPORATION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) REVENUE RECOVERY CORPORATION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation REVENUE RECOVERY CORPORATION are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where REVENUE RECOVERY CORPORATION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. REVENUE RECOVERY CORPORATION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, 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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 
Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX XXXX notified me that I had a new Capitol One card that was opened a month ago. I had frozen all three credit reports a year earlier. Called Capitol One, notified them this was unauthorized. Call the three credit agencies and filed disputes. Then called Capitol One back to confirm account was canceled, and to inquire what was the address used, and how could it have been approved with the freezes in place. Their response? " Please send your request by fax. '' Who has a fax these days?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
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: Personal information incorrect

Complaint:
Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit. I have never lived at any of these addresses below that's showing on my credit report XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, VA 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 2023-05-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
my mother took my car for the day and got into a accident they told me not to worry about it and that my gap insurance will cover the costs of the vehicle a few months later it was on my credit so i called them and they said that i still owed them over {$3000.00} dollars it has been well over 4 years

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 monetary relief