BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  now.with no help.

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 2017-11-27
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit report and noticed they were some debt reported by XXXX/CAPIO that I did not owe or ever heard of or ever had contact with. I contacted the company certified mail asking to validate this debt because its not mine. The company responded with a generic XXXX XXXX print out saying as verification. That is nit verification, if XXXX/ CAPIO does not have any documents with my signature agreeing to pay, they need to remove this debt ( XXXX ACCOUNT # XXXX ) of my credit report immediately. They violated FCRA by not providing me proper validation in regards to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-10-20
Company: EQUIFAX, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: AR
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/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Someone fraudulently opened an Ally Bank " Everyday Cash Back '' MasterCard using my credit information and under my name and social security number. When I received the notification that I had been approved for the Ally credit card ( that I absolutely did not apply for ) I immediately called Ally 's fraud and security department to report this fraudulent activity. I was tossed from one customer service representative to another without any real explanations why. Each representative asked for my full social security number, and when I told them I was nervous about giving it to them because obviously my SSN had already been compromised, they told me that was the only way to confirm my identity. When I finally reached someone in the security department that said they could help me, this costumer service representation told me she could " lock '' the account so it can't be accessed, but she couldn't close the account because it had been opened too recently ( the same day as my call ) and still needed to be processed. They asked me to call back the next day to fully close the fraudulent account. When I called back the next day, the lady I spoke with said they would need to do an investigation before fully closing the account. This is not what I was told the day before. Then I was told I needed to wait 7-10 business days for documents they would be sending me in the mail to fill out and then send back, in order to " get more information for the investigation ''. So I'm supposed to sit here and take their word that my account has been locked and the perpetrator can't access those funds? There is no way for me to actually know that someone hasn't already spent the whole limit of the credit card by now. They could have maxed out the card and I would have no idea. This has been a very stressful situation and I've tried getting it under control as fast as I possibly can, but Ally has not been helpful in the least bit. No one seemed to know exactly how to handle this or what to tell me. This can't be the first time someone has had their identity stolen and was used to get an Ally credit card. So why isn't there an immediate action SOP in place for situations like this? Altogether, Ally was not an easy or helpful company to deal with this incredibly stressful and harmful situation.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: IL
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 wrote Experian and XXXX about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but Experian and XXXX are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: WI
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:
Experian has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with Experian, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or Experian.

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 2021-01-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Each bureau is reporting inaccurate information on my report. FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They are not abiding by these rules. I have seen multiple errors on my report that has not been corrected. so they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter to remove 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 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-11-19
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was entered into a consumer transaction with American Express where my social security number was used to receive credit. I the consumer received this credit/credit card and was given the right to used this card with no limit. I have been using this card for some time now for approximately 3-4 years. With my posted charges reaching up to {$19000.00} at some points. I have never been negligent in paying my bill. I reached out to American Express to increase my card limit because numerous times they would decline charges I would make because they said it was past my limit. even though they marketed this card as a no limit card. after reteaching out to American Express to increase the limit or for them to start declining the card they stated that I need to submit bank statements. which I did. after submitting bank statements I received an adverse action letter from American Express saying they took action on my account. and they were changing my account from its original standing to a preset limit of XXXX this is in direct violation of 15 U.S.C 1691 ( D ) ( 6 ) & 12 CFR 202.9 ( B ) ( 1 ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-11-30
Company: EQUIFAX, INC.
State: NJ
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 letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report in violation of XXXX XXXX. XXXX has failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if XXXX investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
there was charged made to an account i applied for i never recieved the card and filed a police report EVEN though im NOT requeired under the FCBA and she rebilled my account all she had to check was where clean it supply was delievered and see not my address she made vile requests to go redue the police report which i didnt even have to file she violated my rights and rebilled me bc shes XXXX and im XXXX i need the XXXX to investigate her practices, my wallet was stolen at XXXX airport and used all over the place including my id and even traffic tickets where given under my name this is fraud and she is in vioaltion discover needs to be investagated iwas even out of state when this fraud happened coudlnt be 2 places at once included is my flight iterarty as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. XXXX Equifax my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company 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