BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. Pa Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXXXXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: MIDFIRST BANK
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a XXXX  envelope on XXXXand enclosed was a thank you letter for opening an online savings account on XX/XX/21 with Vio Bank. I did not open an account or attempt to open an account with Vio Bank.

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 2021-07-07
Company: KLS Financial Services, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : KLSFINANCIAL Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$170.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was requesting a chargeback for a {$200.00} unauthorized fraud transaction on XX/XX/23 but the bank said since its XXXX they cant help me that I would have to go through the XXXX app but because i am a navy federal member i can not use the XXXX  app.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NJ
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 a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: TN
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 noticed in XX/XX/XXXX, that my credit report with Equifax terribly wrong, and it was breached. Unaware of the breach epidemic with the CRAS. I called to dispute some items on credit report, but I noticed that I had several different social security numbers and names showing on my XXXX credit report. I informed Equifax of my XXXX credit report breach. Equifax has verified bankruptcy accounts XXXX & XXXX XXXX XXXX, filed on XX/XX/XXXX & XX/XX/XXXX. Also, XXXX XXXX Co, account number XXXX & XXXX accounts Opened on XX/XX/XXXX & XX/XX/XXXX. This the same company reporting twice with different Opened dates. Fraudulent account, XXXX - {$6400.00} fraudulent, XXXXt {$19.00}, XXXX XXXX XXXX {$4600.00} Student Loans should be removed- account paid in full on XX/XX/XXXX. Remove all inquiries. I am uploading the FTC Affidavit, FTC Creditor Letter aling with DIsputes letter request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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 DO NOT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : 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 2020-08-01
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: Was not notified of investigation status or results

Complaint:
In XXXX I filed a complaint thru the CFPB and the response from Equifax was that they were working on it. It has been over 30 days now. Per the FCRA you have 30 days to investigate a dispute or the items must be removed from my credit reports. Here is my complaint from XXXX. I have called several times and I can not seem to get any help because of the language barrier with the customer service agents who don't understand what I am asking for. I have attached my identifiication to verify that is is me. I would like the following off my credit report. REMOVE FRAUD ALERT In regards to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is required to remove inaccurate derogatory information from a consumers file if it CAN NOT BE VERIFIED. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX The following XXXX XXXX XXXX duplicates of each other. ATTORNEY GENERAL-XXXX  XXXX. Account status of both are incorrect. One is showing Date of first delinquency and date paid the same month. Schedule payment amount are incorrect, date open are incorrect on the duplicates both showing different dates, balance incorrect and terms frequency. I have attached my current balance along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CHASE BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Hello. 

I was not able to refund some merchandise back in AZ in XXXX when COVID worsened. The merchandise has tags, and not worn. Plus, I had receipt but the manager would not accept my return. I was trying to close my account but couldnt until I was able to payoff the debt by returning the merchandise that I didnt want no more. Also, they said they would removed the {$200.00} in fees they assessed durning COVID. I was told I would be enrolled into a COVID program but then I wasnt. I had spoke to a higher up representative at XXXX and he returned my {$200.00} fees but now they have been reversed. I just want my account closed and at {$0.00} balance as I was promised in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. I.C. SYSTEM is reporting an alleged debt and they are tarnishing my reputation and harassing me. 

I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed. 

According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts from I.C. SYSTEM, INC without my permission; using my name and personal information by which to do so.

According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my 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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Hi, the reason i'm start a new complaint today is because i got the respond letter from TransUnion saying that The disputed item ( U.S.Bankruptcy Court ) was verified as accurate. 
I do not understand if the Fair Credit Reporting Act states that the only way a negative item can actually stay on your credit report is if it is accurate complete and verifiable. The CITY AND STATE must be listed in the court name for it to be listed accurately, and the strangest thing is in XXXXx is not a Bankruptcy reported. 
What else i have to proof them that they are in violating of my rights from the FCRA. 
Whether it's public record or not obviously they don't get this information from the court. Also they required to have first-hand knowledge which means they need to furnish the actual petition.

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 2020-07-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian refuses to give me a credit score would not list my new credit cards XXXX, XXXX XXXX, XXXX and XXXX XXXX. 

I would like this matter resolved in 30 days or I will file a federal court action.

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 2019-10-23
Company: NRA Group, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I filed with the Puerto Rico Department of Police an identity theft report because I noticed a medical debt on my credit report and addresses not mine.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2018-07-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
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 recently obtained my consumer credit file and discovered the below mentioned agency obtained my consumer credit report on XX/XX/2019, from XXXX XXXX & XXXX, alleging a balance owed to them in the amount of {$610.00}. Since then, the below mentioned company was given three ( 3 ) notices of claim dispute, under notary presentment, to verify their permissible purposes for intrusion, fraud, and damages my credit profile and personal character. I have not received a response. 

BERLIN WHEELER , INC. is a debt collector pursuant to 15 USC1681. I am a consumer as that term is defined in 15 USC1681 seq. BERLIN WHEELER , INC, is not a creditor, and I have not applied for, neither received any services or credit with your particular entity. Therefore their intrusion in my personal credit file constitutes a willful and negligent violation of 15 USC1681 ( b ) which would also be a criminal offense ( felony ) punishable under Title 18 USC, the penalty being a fine and or two years imprisonment, and a civil liability exists within 15 USC1681n. This violation may also constitute a tort claim for identity theft.

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 2023-02-02
Company: EQUIFAX, INC.
State: CA
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:
for the last 2 months, I have disputed a {$3500.00} balance via Equifax XXXX XXXX XXXX. XXXX bank, The XXXX account should report a {$0.00} balance. XXXX, " We have reported a {$0.00} balance to Equifax, on XX/XX/2023. '' Equifax continues to report {$3.00}, XXXX as an outstanding balance. Which is reducing and destroying my credit score. I have called and filed a dispute for the last 2 months and no change. 

I am asking that CFPB to hold Equifax accountable and make Equifax remove all outstanding balances that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to retrieve and dispute information from my Equifax report since XX/XX/2022. I have called and have gotten several poor excuse no one can point me in the direction of retrieving my information the last update on my credit from them was XX/XX/2022. I have no access to my file, I have applied for apartments and they too cant retrieve any information from my account! I spoke to a fraud representative who advised me that they would fix my account yet to no avail, my disputes are being ignored wrong addresses wrong accounts wrong names several accounts that I have flagged for fraud still nothing done! This is very troubling to not have access to your own report and XXXX need this addressed as soon as possible as Im attempting to move and no apartment can access my credit through Equifax! My information has been breached several times through the carelessness and lack of consumer assistance from Equifax! Their fraud department has been no help and I have lost many apartments due to their lack of providing correct information to these businesses!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Lending Club Corp
State: NJ
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:
If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect. 
I want lending club to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: NY
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:
Inquires are on my credit report that I did not make. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Account information incorrect

Complaint:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1980, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: SC
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 went to the XXXX dealership XXXX and XXXX of XXXX look at a car. After that tons of inquiries started showing up left and right. I don't know what's going on. I filed complaint on XXXX XXXX. website. 


The report reference number is XXXX. Thank you for taking the time out for me. Have a blessed day

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