BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
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 without 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: NC
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:
Hi, My name is XXXX XXXX. I have submitted a complaint with experian over 30 days ago via certified mail and their online dispute center. I enclosed two forms of identification a utility bill and my driver license which knocks out their claim that they can not verify identity. I have a XXXX XXXX XXXX account that is infactual and does not belong as stated in the dispute requests sent to this bureau on multiple occasions. Please see the enclosed documentation in response to taking longer that 30 days and not sending out investigation results and leaving the status as pending. I seek the CFPB help in them violating FCRA laws.

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 2021-02-04
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:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/XXXX 30 day demand XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Global Lending Services LLC
State: FL
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:
While checking my credit report, I notice an account from Global Lending Services that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Global Lending Services is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text from who I thought was Chase Bank stating they had detected a unauthorized transaction on my account. Phone # it came from XXXX I checked my account didn't see any transactions so I didn't text back. An hour later I received a call from a Unknown # stating her name was XXXX from Chase ID # was XXXX. She told me I needed to verify my identity through my account on XXXX so they can stop the unauthorized charge from going through. She walked me through deactivating my XXXX account through Chase mobile app and activating it again. She told me to send XXXX to my Phone # on XXXX so she can verify who I am, I followed her instructions she then told me to do the same for my High School account. I followed her instructions again for {$470.00}. As soon as I sent the money to myself I thought, she hung up. I checked my accounts and they both showed {$0.00}. She had scammed me for all the money in my account. I called Chase right away and they filed a claim. The CSR from Chase advised me there is a 50/50 chance I will get my $ back and filing a police report will higher my chances.Chase account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
The dealers here XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are doing frauds theyre sending false advertising The XXXX credit cards XXXX XXXX XXXX are calling asking your social security number fake wed page with fake numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: KS
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 without 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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}

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 2022-02-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. Also, I was told by ChexSystems representative that someone else name in connected to my social security number which is a result in identity theft. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXXXXX XXXX XXXX XXXX XXXX Below is a copy of my supported documentation, I am the only consumer that should be attached to this number.

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 2021-02-04
Company: CURO Intermediate Holdings
State: AZ
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 have disputed this debt, I know for a fact that prior to XX/XX/XXXX i had not opened any accounts since XXXX. I mailed them a letter, attached and that was first week of XXXX  XXXX. I have not heard back - i did notice my credit report now says i disputed it and it meets fcra requirements. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Nelnet, Inc.
State: AR
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:
All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except XXXX have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. XXXX refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago.

How can I get XXXX to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I went to a BofA ATM to withdraw {$1000.00} on XXXX. 
Machine got stuck.

Didnt receive funds. 
Filed a claim immediately while at machine. 
Did subsequent withdrawal at same machine for {$300.00} which was fine. 
They said XXXX business days to get credit for {$1000.00} missing. 
Then another XXXX business days. 
Still have not received funds.

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 monetary relief
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.

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 2018-04-24
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:
I submitted a dispute to Equifax on XX/XX/XXXX. I have confirmation of the receipt of this dispute from the post office and Equifax. This dispute was for XXXX XXXX Account number XXXX. Equifax opened the investigation on or about XX/XX/XXXX-XX/XX/XXXX. They were unable to verify as this is not my account. I have submitted documentation and police report as well to this affect. As of today, XX/XX/XXXX Equifax has re- opened the investigation, which is now allowing an additional 30 days to verify the account. This is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
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:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Kriya Capital, LLC
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:
See Attached, ( if there is an Error on my download, Attachment ) These are the companies that I have no transactions with and have no binding contract with and are fraudulently reporting on my Social Security Number, ( SSN # ) without my written permission or instructions to do so. 

The Identified Transactions are Not information related to Any transaction by me as the consumer. 

They are violating my rights as the consumer and I request them to remove these false claims from my consumer report profile, and Cease and Desist Immediately. 

-Credence Resource Mana, ( Management ) LLC, XX/XX/XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX Operation ) XX/XX/XXXX XXXX XXXX XXXX, ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Report Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/XXXX informing me I owed a debt {$600.00} to XXXX. The same day I sent a written request via their website for proof of debt. I additionally called them. I finally received the " proof '' via email on XX/XX/XXXX from XXXX XXXX. In the email was one attached document showing my receipt from XXXX showing I paid. I called the next day to ask how this showed I owed money when I believed it showed I paid XXXX. After being on the phone for a while they disconnected the call. I followed up with an email to XXXX, but have not heard back. Now this debt collection is reporting to my credit score and negatively impacting me for a debt I do not believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I am currently travelling abroad in XXXXXXXX XXXX XXXXXXXX, XXXX. On the evening of XX/XX/XXXX, around XXXX, I was approached by XXXX men. The men wanted to sell me XXXX, I adamantly refused, however, these men held me hostage and forced me to pay using my Capital One credit card. 

I immediately filed a fraud report to Capital One that night on XX/XX/XXXX, however, they have denied my fraud claim due to the fact that I was still in possession of the card, ignoring the fact that I was held hostage by these criminals and forced into the situation. 

A police report was filed on XX/XX/XXXX and this was also provided to Capital One.

Company response to consumer: Closed with explanation