BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2021 I submitted a dispute with two other credit reporting agencies in which the dispute was resolved in my favor. I tried to log onto experian.com to check my credit report and file a dispute if necessary, however I forgot my password. I then proceeded to reset my password. Experian would not let me reset my password and gain access. I tried calling them and could not get through. I finally was able to reset password and gain access to my report today, on XX/XX/2021. I then tried to file disputes against XXXX XXXX. Experian would not let me file a dispute. I received a message to call for assistance for that matter. All that I got was a recording that did not give me a prompt to resolve my problem or even connect me with a customer service representative who could assist me. This issue not fair. This is unfair credit reporting and it has adversely affected my credit score and my life as the reporting business split a bill up into three charges to report as 3 separate bills on my credit report. And then Experian caused further damage due to their lack of following the Fair Credit Reporting Act by violating in multiple ways.

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 2021-09-22
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I left my phone and some debit/credit cards in my roommates car. Later that day and evening someone used my Robinhood ATM card to withdraw {$880.00} from my account. I didn't realize it had happened until a few days later. When I did recognize it. I tried to dispute it online using their app. It told me I couldn't. I then put in to be called back by customer service. This call never came. It took me a month to actually file the dispute. It took me another two weeks to have the matter addressed with more than just an acknowledgement that the theft took place. After waiting for the requisite ten days for the investigation to proceed, I realized that I had received an email informing me I was sent an email with a questionairre. That questionairre never came. When I messaged the Cust. Support Team again to inform them I did not get this questionairre, I was told that they were waiting on me to complete the questionairre. I submitted complaints with the SEC and with the bank that handles Robinhood 's ATM debit transactions and nothing has come of it. I submitted online complaints with them again and am waiting to receive a call back from them. It is almost XXXX. Robinhood is out of Reg E Compliance and needs to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}. 
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 ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report showed a derogatory remark based on an unpaid amount that I was sent by a collection agency. The collection agency, COMMONWEALTH FINANCIAL SERVICE, reported an unpaid amount of {$870.00} from a medical facility in XXXX, FL : " XXXX XXXX XXXX. '' I have never been to XXXX, FL, nor have I visited " XXXX XXXX XXXX. This is the 2nd time COMMONWEALTH FINANCIAL SERVICES has reported this to the credit agencies ( the first time it was successfully disputed ). I do not know what/who the company is, and have been unsuccessful in contacting either COMMONWEALTH or " XXXX XXXX XXXX. '' I believe both to be fraudulent companies based off information I found online describing similar false reports and attempts to settle with people just to have it removed off of their credit reports even if it is not bona fide debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-01-13
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:
I disputed XXXX fraudulent accounts on my credit report. XXXX XXXX # XXXX and XXXX XXXX XXXX XXXXXXXX. While I provided a police report and FTC report Experian has refused to remove these fraudulent accounts on my credit report. They claimed the account was verified and I replied back to Experian requesting proof of the validation to which they ignored. By my FCRA rights, I have the right to request evidence items verified on my credit report. And Experian furthermore has failed to respond to me within 31 days. I will be seeking legal actions against Experian for Defamation, Negligent of Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act.

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 2020-07-13
Company: Bread Financial Holdings, Inc.
State: CO
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 have been calling XXXX specialized department for several years now about issues with these fraud inquiries and accounts that were fraudulent used showing missing payments and derogatory information and I called the companies as well. Its cleared up and next thing I know Im getting alert my score dropped 60 points. Because now the account is back reported delinquent when it was cleared up weeks ago which had me to believe XXXX XXXX is not doing there job of maintain my file as they should by law. I have 82 inquiries on my credit report when it should be only 3 on there. They know my situation with fraud issues and still fail to act appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Upstart Holdings, Inc.
State: NC
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 my knowledge, 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.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquires 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my XXXX and transunion credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.

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 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. I am requesting for consumer reports to be removed please. Thank you! P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.

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 2022-12-02
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: Information belongs to someone else

Complaint:
FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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 XXXX/XXXX/XXXX I submitted a dispute on XXXX XXXX and Transunion for inaccurate reporting on my credit report. I asked them to Please provide me with the facts and debt verification. They failed to submit that information to me. I asked for debt validation, instead they sent A break down of charges, which is NOT legally considered validation, They failed to send me the original contract and proof of my wet signature for the alleged debt. They sent the corrispondance on XX/XX/XXXX that the debt was validated. How is this possible? This is inaccurate reporting and damaging my credit score.

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 2022-12-03
Company: EQUIFAX, INC.
State: TN
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 have inquiries on my XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now, which is XXXX XXXX. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested for a car loan in the amount {$17000.00}, which I did not do, They also claimed that I requested it three times in one week. I also noticed that there were two collections on my credit report, in which they were paid. XXXX claimed they removed it from my credit report, but it is still showing on my report. I have attached proof of the letters that I sent out. If you need any other proof, please request it. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom this my concern, I had 2 fraudulent accounts removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were deleted and now they have reappear back on my credit report. 

XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number 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 2022-12-15
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX a alleged court officer claimed that there was seizure order on my vehicle from a fraudulent case XXXX where a company I had no contact with XXXX XXXX XXXX filed a case in XXXX. I called XXXX XXXX XXXX Police they came checked for warrants found none but still allowed clearly fake court seizure. For some reason neither my legal service, nor any lawyers would defend me. I filed insurance claims called lawyers and received strange responses including mailed request, This had been a year where constant bank errors, XXXX XXXX, credit cards being cancelled without cause, constant calls requesting another person etc. I filed response and finally another law firm sent me s certificate of Satisfied judgment from a Midland Funding LLC for another fraudulent case number in another court area I didnt live in, case number XXXX in XXXX XXXX XXXX XXXX A case was dismissed with that case number for fraudulent filing. In spite of several companies being involved with proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd several credit card and XXXX XXXX XXXX Police, my Civil Liberties was being violated and monies stolen in phone calls from XXXX and XXXX and Xfinity were clearly being redirected. I have documents to prove items but with is very much Shady event as a result many agencies seem to be trying to protect reputations instead of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and myrights as a consumer. I am disputing the amount on my statement you send me every month. How can Ipay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me astatement every month and this statement is my dividend check from Capital One for the interest I haveearned, as a result of Capital One is trading my securities on the exchange. This has been done withoutmy knowledge and constitutes that Capital One trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNTS ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT I HAVE FILED A POLICE REPORT AND FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: MS
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 personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation