BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have asked for PROOF of " validation of a XXXX XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and Lexis Nexis '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: WY
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:
please see the below responds from conns XXXX XXXX , XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have. We have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that record. As a reminder, you may contact XXXX regarding questions by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with non-monetary relief. You have stated in your complaint that : 1. You have a credit inquiry from XXXX on your credit report ; 2. You did not apply for XXXX credit ; and 3. You would like the credit inquiry removed from your credit report. Our investigation reveals that : 1. A credit application was processed in your name on XX/XX/2019 ; 2. XXXX fraud department reviewed the information you provided ; and 3. We have removed the credit inquiry. According to our records, an application for XXXX credit was processed on XX/XX/2019. The credit application was initiated through XXXX website. Our fraud department reviewed the information you provided and we have removed the credit inquiry from all three credit reporting agencies. We ask that you please allow the credit reporting agencies XXXX days to update their records. XXXX appreciates you for bringing your concerns to our attention. 
DESCRIPTION OF NON-MONETARY RELIEF removed credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my reports that I did not authorize and do not recognize including : TransUnion Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX  / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXX *XXXX XXXX XXXX/ Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXa/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXXt / Inquiry date 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 explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had three transaction disputes denied on XX/XX/22. These were unrecognizable, foreign transactions that I never authorized and when disputed the operator handling my claim included other transactions muddying the situation due to a language barrier. I tried to make things clear as to what happened but ultimately I am now a victim of theft and there is nothing Wells Fargo is interested in doing for me. I have no choice but to close my accounts with them because I now know if my security is compromised they will allow me to lose everything.

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 2017-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the last 9 or 10 months of XXXX, I have not been able to log on the Site of Of Capitalone. They claimed It was XXXX that blocked the site. I reached XXXX and they told me they are not blocking the site. I also asked the best Computer Scientist @ our University and they couldnt see anything in the Setting. So No Access to site, No permanent phone and No statements I am in the dark. I have requested statement for all 3 accts and its been hap-hazard. Some times I get one or more but when I do its very late and the due date is days away. Recent attempts to pay by phone ( Public Phone ) have also failed due to the Phone Voice telling me the Credit card number I have entered is NOT recognized. Several attempts Like this end in failure for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NV
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 have reached out to the following credit bureaus : XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
XXXX XXXX XXXX Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX XXXX  Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from 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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed some erroneous accounts with XXXX, XXXX, and TransUnion but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX  XXXX TransUnion 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 2018-05-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Equifax Credit Report suddenly showed a hard pull by XXXX XXXX XXXX XXXX XXXX. on XX/XX/2018. I spoke with an Equifax representative by phone today and told her I did not authorize XXXX XXXX XXXX XXXX. to pull my credit for any reason. I use XXXX for cell phone service and XXXX XXXX for TV service. I have no need for XXXX XXXX XXXX XXXX. The Equifax rep said I would have to dispute this with XXXX XXXX XXXX XXXX, even when I suggested that this could be an attempt by someone to use my identity. Equifax is very difficult to deal with under these circumstances while XXXX is much easier to work with. It is no wonder most lending institutions are switching to reliance on XXXX for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with the company twice and asked to have all the information sent to me. Was definitely not me, I have never been to XXXX XXXX XXXX XXXX of any kind. Company is not cooperating in any way, have not sent me any info on what this debt even is

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 2023-03-01
Company: EQUIFAX, INC.
State: NC
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 is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I went to check my credit score for a program I am going to participate in. I can not get my score, I have tried 3-4 places ; experian, XXXX, my bank XXXX XXXX XXXX XXXX. Each one can not give me my credit score, frustrated I decided to try again later. 
Today XX/XX/XXXX I go to check and spend more time trying to get my score over the phone and on websites and apps of the previously mentioned companies. Nothing came up, on XXXX it said I had some sort of installment account opend XX/XX/XXXX and listed options. None of which I did or have. So I selected none of the above. 
2nd question asked about monthly payment, which I selected none again because I don't have any payments. 
3rd question asked about a XXXX  loan XX/XX/XXXX which I have none and selected none of the above again. 
4th question is about a mortgage loan in XX/XX/XXXX. I don't own a home and I am paying rent each month to a landlord. 
Also the third time I did this step the question concerning XX/XX/XXXX debts was about a car loan and now it says XXXX  loan. 
Then it says We can't complete your request at this time. Please call the Customer Care team. 
I call the number and can't get ahold of a person to talk to, the phone line says only selected individuals with certain needs can speak to customer care. I called several times using different prompts to try and reach customer service. 
I believe it might be fraud holding me up on getting my score because of the questions asked about my credit account that I have never done before, like the carXXXX loan and mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION 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 2022-09-14
Company: Four Directions Lending LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Eastline Lending contacted my employer in XX/XX/2022 and sent a wage garnishment for an apparent debt. I contacted this company and was informed it was a mistake and I had no debt with them. Now another company... XXXX XXXX contacted my employer in XX/XX/2022 for Eastline Lending trying to garnish my wages again. My employer has already asked them to cease and decist again. I have also contacted them and nothing can be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX had 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 cannote 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 am writing this as a formal complaint against TransUnion for not investigating and removing the errors and inaccuracies from my credit report. Transunion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved. 

XXXX XXXX XXXX - Multiple variances and inaccuracies as noted below : Date of Last Activity : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 
Date Reported : TransUnion XXXX, XXXX XXXX, XXXX XXXX Date Opened XXXX TransUnion XXXX XXXX XXXX but XXXX shows XX/XX/XXXX. 
Account status : Transuion shows opened, XXXX  and XXXX show closed. 

See attached for more information on this account but it is inaccurate and needs to be deleted from my credit profile, much less, I have no idea what this is and if it truly belongs to me because Transunion hasn't proven it. 

XXXX XXXX - XXXX - this is a HIPAA violation. I did not give XXXX XXXX permission to share my information with anyone. Plus they are reporting several inaccurcies : Date of Last Activity : Transunion XXXX XXXX Shows XX/XX/XXXX XXXX shows XX/XX/XXXX. 
Date Reported : Transuion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 
Date Opened : Transunion XXXX, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 

These are clear violations of Metro 2 standards. Please help me get these removed from my credit reports.

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