BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
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: Information belongs to someone else

Complaint:
There is a collection account in the amount of {$490.00} on my Equifax report that does not even have a creditor listed in the creditor field. The collection account in reference shows that it was opened on XX/XX/2021 with an account number of XXXX. 

There is no contact information nor account name for the furnisher of this account therefore I request the removal of this account in its entirety per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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:
An online account was created with XXXX and paid upon closure. 

XXXX went as far as to provide a direct deposit for the remaining balance due upon closure. 

This account has been reported inaccurately as a charged off/write off for a bad debt that is invalid in the amount of {$150.00} and I request the formal validation of all tradelines associated with this account via mail.

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 2018-06-22
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:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!

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 2022-07-13
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
Credit reporting agency Equifax was hacked on XXXX XXXX, 2017, affecting 143 million credit users in its database. This was not made public until XXXX XXXX, 2017. I believe I was affected because, over the labor day holiday, I was contacted by the provider of my XXXX XXXX card, alerting me to potentially fraudulent purchases totalling more than {$200.00}. At the time, the Equifax hack details were not known and so I was at a loss to figure out how my card was compromised. The card was always in my possession, had only been used at reputable retailers and both my wife and I use wallets that secure against electronic " skimming. '' When I contacted my card provider yesterday they said they would not be informed by Equifax whether or not their breach had anything to do with my information being compromised, but that the card provider thought it likely.
By way of remedy, Equifax has offered only a free monitoring service for one year, run by them. Signing up for this remedy, by their terms of service, would preclude me from seeking any legal remedy, so it is an unacceptable option.
I am writing this complaint not because you do n't already know of the Equifax hack, but to give you a consumer-related reason to pursue remedies on behalf of the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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 HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS

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 2017-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXXI made a purchase from XXXX XXXX XXXX  believing that my purchase for 4 tickets was XXXX dollars. Only when I gave them my card number did it say they were XXXX apiece. {$1100.00} total. I immediately called Capital One and told them not to allow this to go through. Then they contacted the vendor and we had a 3 way conversation in which they refused to stop the charge. They hung up. The Capital one agent told me not to worry. They would get my money back. OnXX/XX/XXXX I was charged the full amount. {$1100.00}. I called Capital One about this and was told my account would be credited. OnXX/XX/XXXX I was credited with {$940.00}. ( {$250.00} short ). I called them again and they said I have to dispute it. I did. Then I was recharged the {$940.00} on XX/XX/XXXX. I again called about this and once again I was credited {$940.00} on XX/XX/XXXX. ( still {$250.00} short ). Then they said to dispute the full amount of which I have been doing. OnXX/XX/XXXX I was RE-Charged the full amount of {$1100.00}. This includes an extra {$250.00}! I have called and have talked to them and was told they could not do anything for me. I was in my rights to cancel this transaction. Now I am being charged an extra {$500.00} for tickets I never even received. Is this not fraud? Can I press theft charges against Capital One? Now when I log in to my account I can not dispute anything on this matter. The website wo n't allow it. This is just wrong. I have been a cardholder for more than 20 years and have never been treated like this before. Please help me get my money back. I am not a rich person who can just absorb a charge like this. My next step will be looking into pressing charges and complaints with the FTC for fraud if this is not resolved. I believe under the consumer protection act it was my legal right to cancel this transaction and there customer service rep. assured me they would get my money back. Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I Contact ( TRANS UNION Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ TRANS UNION ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ TRANS UNION AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ TRANS UNION AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 1-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2-XXXX XXXX XXXX Inquiry fromXX/XX/XXXX 3-XXXX Inquiry from XX/XX/XXXX 4-XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX XXXX Inquiry from XX/XX/XXXX 8-XXXX XXXX Inquiry fromXX/XX/XXXX 9-XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX Inquiry from XX/XX/XXXX11-XXXX Inquiry from 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 2022-07-13
Company: EQUIFAX, INC.
State: MA
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 tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I found out today, XX/XX/XXXX, that my credit and social security number may have been compromised during a data breach at Equifax that occurred on XX/XX/XXXX. Not only did they NOT let consumers know of this breach until yesterday, XX/XX/XXXX, they advertised a site that they set up where we could check if our data was breached and sign up for a protection service.
I went to this website, www.equifaxsecurity2017.com, and they required that I fill in vulnerable info ( part of my SSN ) and my last name. Then I received a message that my info may have been breached and to come back on a later date to sign up for their credit monitoring service, which would only be free for one year.
They did not let me set it up to automatically protect myself, nor did they concretely tell me if my info was compromised. When I called, they recommended I sign up for their XXXX/mo monitoring service, DESPITE advertising free protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
OnXX/XX/2021, I was notified by an alert on XXXX that a collection was placed on my credit report. GC Services was the collector. I was NEVER contacted by GC services about a debt nor did I receive a dunning letter from the collection agency. This is a violation as they did not give me the right to dispute this debt. This collection needs to be removed from my credit report immediately. The collection agency does not even have my address. This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
there are XXXX inquiries on my transunion credit report this information is in violation of my federally protected consumer rights under 15usc 1681 and 15 usc 1692 g as a consumer i have a right to privacy and a right to have accurate information reported on my consumer file i have sent several ftc reports as well as police reports all of which were denied ive also submitted a complaint to the attorney generals office regarding this matter please assist me in the correction of these issues

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 2017-06-28
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.

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 2022-07-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I opened 2 CDs ( {$210000.00} total ) over the phone with Marcus by Goldman Sachs on XX/XX/22. On XX/XX/22 I tried to sign into my on line Marcus account but it was Temporarily Locked and I was directed to call them. I called them and was initially told there was a problem with my phone authorization and then was told there was a security issue. After talking with Marcus representatives I was informed my accounts were being closed and the funds immediately returned to my funding source. I called Marcus today ( XX/XX/22 ) to check on when the funds would be returned and was told my accounts were under review. My phone calls with Marcus have been very frustrating. I am XXXX XXXX XXXX and depend on these funds for living expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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:
There was a secured credit card with XXXX XXXX XXXX which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the 3 credit reporting agencies. 

The first discrepancy is that when I initially opened this account ( completely online ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

XXXX XXXX XXXX  reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and XXXX XXXX XXXX would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.

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 2022-02-13
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
There was a secured credit card with XXXX XXXX XXXX  which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the 3 credit reporting agencies.

The first discrepancy is that when I initially opened this account ( completely online ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

XXXX XXXXXXXX XXXX reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and XXXX XXXX XXXX would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.

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 2021-08-27
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX THIS IS THE CASE NUMBER FROM PREVIOUS COMPLAINT HAVE MORE DOCUMENTS TO UPLOAD FOR MY ORIGINAL COMPLAINT NOW IT APPEARS DISCOVER IS STATING THEY NEVER RECEIVED THE ORIGINAL REQUEST FOR MY TAX RELEASE I AM A VICTIM OF IDENTITY THEFT AND ORGANIZED STALKING SINCE DAY ONE GOING ON XXXX IN XX/XX/2010 I HAVE BEEN TRYING TO EXPOSE THE CORRUPT AGENTS AND AGENCIES INVOLVED FOR THE LAST THREE YEARS YOU CAN XXXX  XXXX XXXX XXXX XXXX XXXX AND ORGANIZED STALKING FOR VALIDITY ITS AMAZING SINCE THEN ALL THE PROBLEMS I HAVE IDENTITY THEFT BOGUS ACCOUNTS GETTING DELETED AND PUT BACK ON NOW BEING VERIFIED EVEN BOGUS EMPLOYER T P TOOLS LAST TIME I TRIED HAVING THIS REMOVED ALSO BEING VERIFIED AND I CONTINUE TO HAVE TO PROVIDE DOCUMENTS SO BOGUS ACCOUNTS CAN BE MADE AND UPLOAD MY RECENTLY PROOF OF IDENTITY OR MAILED OR FAXED WHILE EVERYTHING NOW BEING REPORTED AS VERIFIED ALSO AMAZING SINCE TRYING TO EXPOSE THESE PSYCHOPATHS INVOLVED IN THIS DOMESTIC XXXX  PROGRAM I HAVE NOTHING BUT PROBLEMS WITH CREDITORS NOW DISCOVER IS STATING THEY DIDN'T RECEIVE MY RELEASE THAT I DID LIKE AFTER TWO DAYS OF RECEIVING IRS RELEASE TAX DOCUMENT SO IM UPLOADING MORE DOCUMENTS TO THE ABOVE MENTIONED COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax Has been Hacked 143 million, They finely gave a news cast They are not concerned enough about me or any of there customer to contact them personally.
I contacted Equifax.
Equifax finely said Thursday, hackers STOLD, sensitive personal data, Social Security numbers, birth dates and home addresses.
Equifax said the breach began in XX/XX/XXXXand continued until it discovered in late XX/XX/XXXX.
Poss ably my Social Security numbers and birth date and other information about me, is in the hand of thieves ...
Equifax also lost control of drivers licenses, credit card numbers and credit dispute documents for 182,000 people.
What little information I have got is not enough ...
I need answers, Not token responses to this problem.
At there web sight, no help They said check back on a certain date.
I have to do the work they are lackadaisical.

Company response to consumer: Closed with explanation