BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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:
I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint 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 2020-02-02
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-02-02
Company: PMGI, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
PMGI , LLC has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PMGI , LLC Made on : XXXX Made with : XXXX  Made by : PMGI , LLC Made on : XXXX Made with : XXXX Made by : PMGI , LLC Made on : XXXX Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: UT
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:
There is a debt on my credit report- collection, that is not mine. I have disputed it and the company that issued the collection agrees, this is not my debt. Yet it is still on my credit

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 2018-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
On Wednesday, XX/XX/18 I opted to utilize two balance transfer checks to take advantage of an intro APR. One check for {$5000.00} deposited to XXXX and one check for {$1200.00} deposited to XXXX. This was within my credit limit including the transfer fee. 

On Thursday, XX/XX/18 I received a call from the fraud department to verify the activity at XXXX. I called back at XXXX and was on hold for 55 minutes before speaking to someone who told me that the fraud department is already closed. Not to mention that the voicemail I have said that I can reach them 24 hours a day, 7 days a week. 

I tried to call back this morning, Friday, at XX/XX/18 and could not get through. The check I wrote to XXXX has already been returned and will make me incur fees. I called the executive office and the operator is unavailable and the mailbox is full so it doesn't accept voicemails. 

I finally went to a branch to prove identity and my Drivers License with current address is not enough, they want a copy of my lease. I am willing to do that but now they said they don't handle placing the funds back into the other banks or handle fees by other banks. I asked the service rep if they can ACH the funds back to XXXX and she had to ask her manager because she did not know what ACH is ... I've been in banking for 20 years. This is completely unacceptable. 

I've attached a screenshot of the transcript from the voicemail left on my phone which states that I can reach them 24/7 and also has the time they called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, 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:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in  XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXX/XX/XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX XXXX XXXX XXXX {$8900.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Account status incorrect

Complaint:
I have been dealing with XXXX with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated 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 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have just travelled back to the USA from XXXX, I was gone for 2 years in which I have been a victim of the TransUnion XXXX glitch in XXXX. I had pulled my report in mid XXXX to have noticed XXXX hard inquires, then I check back recently to see more than XXXX on my report. Which - none of them are mine. 

To my understanding credit inquiries to be removed and then re-inserted ( which were n't mine to begin with ) means TransUnion was in breach of FCRA 611 5 ( b ). 

It is unlawful and in my protection as a consumer to report this activity to higher authorities. I will take lawful action if these hard inquires are not removed. 

The agent on the phone with TransUnion was rude and provided little to no enthusiasm to help despite telling her that I was to be wed soon, and that credit is a big deal to me. 

Nothing happened. I am a victim. 

I feel violated, and my trust abused. 

This phone call transpired XXXX XXXX XXXX XXXX at a direct line : XXXX ( XXXX ) XXXX The inquires I need to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : Permissible Purpose : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX -- - In addition, I have stayed diligent in my attempts to reach a supervisor to which I was hung up on numerous times. This is n't right. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX - email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, ca 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 2021-02-02
Company: EQUIFAX, 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:
XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX is Reporting XXXX as my Credit Limit for which isnt True

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In a letter dated XX/XX/2020, I mailed a dispute to TransUnion. This dispute alleged that 19 hard inquiries were not authorized. TransUnion did not investigate and simply asserted that the hard inquiries were a factual matter. IT took TransUnion until XX/XX/2020 or more than 30 days to resolve the matter. 


On XX/XX/2020, I filed an online dispute with XXXX  with respect to hard inquiries. I stated that these disputes were not authorized by me. On the very same day, XXXX  closed the Dispute and refused to investigate. 

On XX/XX/2020, the court, Norman v.Trans Union, LLC, Case No. 18-5225 ( E.D. PA August 14, 2020 ), held that TransUnion could be held liable for reporting unauthorized credit pulls.

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 2022-11-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax allege they are unable to update my email address in their system. The email address they have in their system was compromised, alert was sent via XXXX. 

Equifax allowed unauthorized access to my consumer file opening an account on behalf of XXXX XXXX XXXX without phone verification. See attached Consumer File from Equifax in 2016 there is no XXXX XXXX XXXX account there. ; XXXX XXXX XXXX is not listed, ,Equifax allowed creditor to add derogatory account without notice and refuse to remove over the last 60+ days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2018-07-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from XXXX XXXX XXXX in XX/XX/XXXX and I started paying my loan shortly thereafter. Navient claims I started paying my loans on XX/XX/XXXX. My husband called Navient and asked them how the balance on my loans now after 20 years of monthly payments be more than the original. He was told because the loan had a forebearance. 
I hope you would investigate these claims because the monthly payment is due to increase to {$410.00} in XX/XX/XXXX. I hope this could be resolved by then. 
Navient recently sent me a letter saying that since I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to my loans. 
There hasn't been a natural disaster in my area for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2019-11-15
Company: Experian Information Solutions Inc.
State: MN
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 XXXX XXXX XXXX XXXX VISA credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges/transactions on the 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 2019-06-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On several recent occasions I attempted to contact the bureaus to investigate certain incorrect items on my reports. However the bureaus never completed a full investigation into the status and accuracy of those items in a timely manner.

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 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today, XX/XX/2020 at approximately XXXX I was unable to use my Capital One Visa card ending in XXXX to pay my {$17.00} haircut at XXXX XXXX. 

When I returned home, I called Capital One XXXX. XXXX took my call. I asked her why was I unable to use my card and she replied, there has been a fraud activity on my card and my Visa card ending in XXXX has been restricted. I asked XXXX when was the fraud and from whom. XXXX said it happened just before my haircut purchase. I asked for more information on the fraud activity such as date and time it happened and she hung up on me. 

I called the Capital One XXXX number again and asked to speak to upper management. XXXX took my call and she transferred me to XXXX, a Manager. XXXX said XXXX did not take any notes from our call and apologized. XXXX agreed to file a complaint on her behavior. I asked XXXX to tell me when and where the fraud happened. XXXX said that a " merchant '' was compromised not my Capital One Visa card ending in XXXX. I asked her who was the merchant and she advised me that she is not allowed to tell me. I then asked her if other charges besides the {$17.00} haircut charge were declined and she said yes. XXXX told me that two charges from my health insurance company, XXXX were declined. XXXX was the merchant before today 's haircut. XXXX then asked me for my phone number so she can send me a one-time verification code to send me a replacement card. She read a disclaimer advising me that I may be charged to receive the one-time verification code. I refused. XXXX kept asking for my phone number. I kept saying that I will not give her my phone number and that she needed to send me a replacement card to the address she has on file. XXXX just kept asking for my phone number. I hung up after 4-5 requests. 

I called XXXX and asked them it they were compromised. XXXX said no - that they had no breach on my account or anywhere at XXXX. I asked XXXX if my autopay charges were declined by Capital One today and XXXX said yes, it was declined today at XXXX and no reason was provided. 

XXXX, the merchant prior to my haircut purchase today, and the only other merchant declined was not compromised. Accordingly, I was incorrectly informed by Capital One. Furthermore, Capital One has frozen my account for no good reason.

Company response to consumer: Closed with explanation