BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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 AM A VETERAN AND XXXX XXXX XXXX. I DO NOT HAVE A DRIVERS LICENSE, THEREFORE I HAVE NOT APPLIED OR HAD ANY AUTO LOAN IN MY NAME. I HAVE COSIGNED FOR FAMILY MEMBERS BUT HAVE NOT HAD ANY ACCOUNT WITH XXXX XXXX. I RECENTLY DISPUTED WITH XXXX EXPLAINING THE FRAUD AND PROVIDING PROOF OF IDENTITY AND RESIDENCE. 
I HAVE BEEN INFORMED BY CONGRESS THAT THEY passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. 

THIS GOES FOR XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: AZ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 explanation
Consumer complaint received 2022-12-19
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 is missing that should be on the report

Complaint:
FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan never late XXXX XXXX FCRA Violation : credit card not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan never late XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Westlake Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ {$2200.00} is the amount they trying to say I owe them when I never got them. I reached out to let them know on more then one occasion. I'm not not paying for something I never received. I have called XXXX  more then one time to let them know i never gotten these aligners. Then they sold my information to a company and i didn't authorized them to sell my information to and they added this onto my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
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: 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 3 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 3 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

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

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 2023-07-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have applied Citi Credit Card with XXXX XXXX with a promotional offer of XXXX miles. 
Before applying Credit card, I called both Citi and XXXX XXXX and checked about my last promotion to make sure I am eligible for this promotion as I have once received miles using similar promotion in year XXXX. As they said, card can be opened again in 4 years to qualify for the promotion, I applied the card again on XX/XX/XXXX. The last card I applied was on XXXX XXXX XXXX and closed on XX/XX/XXXX. As it exceeded 48 months as per their statment, I have applied the card again on XX/XX/XXXX and it was approved and I have spend XXXX in the first 2 months and when checked with Citi again on XX/XX/XXXX, they said they can not issue miles again as the last miles were given in XX/XX/XXXX and it did not exceed 48 months. 

I should have waited couple of months if they were clear on this when I did my initial call. 
I have unnecessarily applied for it if the miles were not given to me. I should have taken some other advantages instead of XXXX  hard hit on my account. 

I tried reaching to the bank on XX/XX/XXXX, but they couldnt help me on this. Can any way I can get help on this.

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 2023-04-20
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from 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, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-21
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account from XXXX XXXX XXXX was opened under my SSN either accidently or fraudulently. The debt is not mine, I have never had any accounts with XXXX XXXX XXXX. From my understanding, the phone number, name, address, etc. associated with the original account are not linked to me, but the account somehow continues to show up on my credit report. I have disputed this account with both XXXX and the collections agencies every time it shows up on my credit report. Every time I dispute the account it is removed, however, every 3 months or so the debt is sold to another collections company and it shows up on my report again. 

Please help me get rid of this fraudulent account for good, it is ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
American Express bank over charged me interest fee {$28.00} on XX/XX/2023. 

My credit card due date is on XX/XX/XXXX, the balance was {$180.00}, I paid the balance in full on XX/XX/XXXX, they charged me the interest fee {$10.00} on XX/XX/XXXX. 

Then the next month, XX/XX/XXXX, they charged me interest fee again. they said this is trailing fee. but on the statement, Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens, we charge interest from the first day of the billing period until we receive your payment in full. 

The question is, I paid the previous balance in full, but they won't stop charging me the interest fee. They are literally robbing customers. 

I hope CFPB can help me, make it right. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I have been charged with late fee even I pay on due date exactly. The capital told me because its when they received the money they posted to my account in which I dont believe that. Because when I make a payment with my debit card like I always do the money go directly to my account and my available money go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Self Financial Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
XXXX on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by XXXX points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures XXXX took the website would block me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: DISCOVER BANK
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I received an alert on my locked XXXX credit file that my credit score had dropped by 100+ points. This was very shocking to me because my credit score had always been over 720. Upon review, I saw that XXXX XXXX XXXX 's collection agency had placed me for collections despite my not having any relationship with XXXX XXXX XXXX. After contacting the collection agency, they informed me that an account had been opened in my name in XX/XX/XXXX with a charge of {$1400.00}. This appears to be that XXXX XXXX XXXX allowed an account to be opened with only basic information ( Name, Address, SSN only ) and no other authentication like driver 's license or credit card, no credit report pulled, and on terms with no upfront payment. In addition, they told me that they sent invoices to XXXX w hich is not my email address. 

At this point, I filed a police report with the XXXX XXXX XXXX. police and an identity theft report with FTC. In addition, I filed a dispute with XXXX, XXXX XXXX, and XXXX XXXX XXXX  providing XXXX XXXX XXXX with the affidavit, proof of residency during the claim, police report #, and FTC complaint #. Despite their inability to provide any proof of delivery of products or services ( at {$1400.00} I am almost positive that they left someone to purchase a phone on terms with no credit report pulled ), they rejected my claim because I did not submit the police report. Upon contacting the police for the report, they told me that they do not provide full police reports and that XXXX XXXX XXXX needed to request that from the police. I feel like I am going in circles between the credit reporting agency, XXXX XXXX XXXX, and the police. 

My next step is to threaten them with a lawsuit and I am contacting my House representative who I know personally.

Company response to consumer: Closed with explanation