BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CITIBANK, N.A.
State: AZ
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:
On XX/XX/2018 I received a fraudulent inquiry on my XXXX credit report titled XXXX/cbna. I called the home Depot that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to XXXX to remove the inquiry. After 2-3 months of no change to my credit file, I called home Depot once again. They created and fraud case and requested that XXXX remove the inquiry. No change once again. I called XXXX numerous times and they consistently advise that I need to contact lender. I faxed XXXX a police report, FTC affidavit, copy of letters the home Depot sent to XXXX, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX bank/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/cbna. I constantly called XXXX and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.

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 2023-09-15
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: DigniFi
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company is refusing to accept full payment of the account balance. All previous payments have been made via ACH bank transfer. The company is now refusing to process the payment via bank account and requiring me to use payment methods that will incur additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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:
the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On or about XX/XX/2023, I received a declination letter from XXXX XXXX XXXX ( Early Warning Services , LLC ) from another state ( Arizona ) declining the opening of an account. I don't live in Arizona and have never applied for any type of account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Personal information incorrect

Complaint:
My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that XXXX, XXXX and TRANSUNION eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.

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 2020-06-03
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: Information belongs to someone else

Complaint:
I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.

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 2021-04-09
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Robinhood Financial LLC XXXX XXXX XXXX. 

I have {$2300.00} on the account and they will not let me withdraw it nor will they allow me to close my account and then withdraw it. 

They wanted to verify that I own the bank accounts that I used, and I supplied them with all the documents, including bank statements that prove that I am the owner of the accounts. However. they did not allow me to withdraw my money because the XXXX XXXX XXXXXXXX statement I provided was a photo and not a PDF. I now can not get a PDF bank statement from XXXX XXXX XXXXXXXX as I closed my account with them. 

I also do not use XXXX XXXX XXXXXXXX for more than XXXX years now. The bank account I used to deposit funds on XXXX was another account who's statement I provided. 

I have exchanged multiple emails with them for months now and it's ridiculous that because of a format that I can't get my money out! I can't even close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX toll roads imposed a toll on us for {$15.00} and payment was made for this amount. Then a notice was received by the law firm Linebarger Goggan Blair & Sampson stating that check payment for {$15.00} received on XX/XX/, however, the notice was transitioned notice 2 on XX/XX/. This generated an additional balance forward of {$3.00} which was immediately sent to collections without sending us an invoice. Now it states we owe {$100.00}! Verification and validation was requested but there is nothing we received that validates this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Thomas, King & Associates
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: Public record information inaccurate

Complaint:
URGENT To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information about a couple of bankruptcies that were filed. It's my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I'm confused as to why this information is still being reported by you to the credit bureaus. 

I have already confirmed with the courthouses that these bankruptcies were filed and i was informed that this information was not provided by them as the explicitly stated that they dont report information to anyone. My credit is being negatively impacted due to neglectful reporting and i demand XXXX to remove the bankruptcies from your system. You are in violation of my consumer rights under 15 usc 1681a ( 4 ) consumer right to privacy. These bankruptcies should not appear on my credit report. I have the right to deem and i deem these bankruptcy and misleading false reporting is giving me severe anxiety. You are liable for all damages and im seeking litigation. 

Remove Immediately

Company response to consumer: Untimely response
Consumer complaint received 2022-09-05
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
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:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 or provide proof in writing within 30 days.

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 2017-08-16
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted the collection agency Blakely Witt & , Assoc to request a validation of debt since one was never received. I was not mini Miranda. The collection Manager XXXX XXXX was extremely rude. He would take my information and i was hung up on several time. I was told he does n't have to help me with anything and to send the request for validation of debt in writing. Ask if I could speak to someone Else but he would n't allow me to stating he was only the there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I took out a loan with Prestige Financial years ago for XXXX, as of today, I still owe {$8000.00} I have paid over {$20000.00}. I can not trade it in, nor is the value of the car worth what is owed. They have processed payments without my approval. When I confronted them, they said there is nothing they can do. I 'm done with the harassment from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
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:
In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
CAPITAL ONE HAS DISRIMINTAED AGAINST ME ATTEMPTING TO EXERCISE MY CONSUMER RIGHTS! I HAVE SUBMITTED AN ENDORSED COUPON FOR THEM TO ACCESS MY ACCOUNT. THEY HAVE CLOSED MY ACCOUNT ( XXXX ) AND LEFT ME WITH A BALANCE OF {$30.00}. CAPITAL ONE IS ALSO REPORTING NEGATIVELY ON MY CONSUMER REPORT WITH LATE PAYMENT WHICH IS AGAINST THE FEDERAL USC CODES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Asked for items that was purchased to send me a copy plus they said payments were made requested copy of how payments were made because Ive been with the bank for over 30 years no replies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy. 

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Attorney general XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX Texas XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting. 


A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 


Thank you for your time and attention to this matter.

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