BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to remove a credit freeze and fraud alert from my Equifax credit file for over a month but Equifax refuses to remove them. 
On XX/XX/2017 I tried to unfreeze my credit through the Equifax website and received an error. A few days later I was notified that a fraud alert was placed on my credit reports, but I never requested a fraud alert. I attempted to mail my unfreeze request and made sure to include several pieces of identification including my driver 's license as well as a credit card number they could bill me for the unfreeze fee. On XX/XX/2017 Equifax responded stating they were unable to verify my identity and I wrote back and included a copy of my valid Florida driver 's license and social security card, both of which were shown on their list of acceptable documentation. Today I received another letter dated XX/XX/2017 that states again they are unable to verify my identity. You will find attached several pieces of documentation from Equifax as well as my Equifax unfreeze PIN. I do not feel comfortable uploading my ID documents but will gladly mail, fax, or email them directly to Equifax upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: DISCOVER BANK
State: NC
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:
Contacted Discover twice regarding a fraudulent transaction from a XXXX XXXX XXXX on my credit card. Was decided twice on both investigations that it was a valid charge. I am legally not liable for fraudulent transactions on my account. The supporting documentation the merchant submitted showed my account number was compromised as it was manually entered, myself or the card were not present. The invoice for the transaction show 's a XXXX XXXX, an individual I do not know or have heard of. I do not understand how Discover could not only hold me liable for this transaction but also allow the charge to be processed without the correct billing information on the account. My name or correct address are not on any of the documents in reference to the charge in dispute. This is clearly fraud and I wish to have this investigated at the Executive level, its unethical and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Some weeks ago I was visiting your site and pursued contacting the main three credit reporting agencies. I was sent correspondence from XXXX and TransUnion that I needed to submit documented proof that I live at my current address as I have since 2009. Yesterday, I received the attached correspondence from TransUnion that my current California Driver License, a XXXX Medical Bill, Department of Veterans Affairs documentation and I believe a utility bill. Apparently this is still not good enough and I believe TransUnion in particular just does not want to comply and provide me with a free credit report so that I might manage my own identity and credit protection. They seem to keep coming back with a lame excuse that what I am sending from their own criteria is insufficient to prove where I live. It has gotten ridiculous and frustrating. It appears if I pay them for it, there would be no problem. I keep getting jerked around and around. XXXX has not bothered to respond despite sending more that the proof documentation they require. XXXX seems just to have ignored my request all together as I have never heard back. Again, I made these requests through the link on your site. I do not know what the problem is other than this is nothing new as these people seem to wield some sort of arrogant power that does not serve the consumer. Especially when it comes to removing inaccurate information which impacts credit. On example, regards a closed child support case from years ago and showing it is still open. I wish there would be more regulation over this group.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Executive Office ; I'm really concerned about how my matter was handled. Back in XXXX, I applied for a partially secured credit card with your company which I opted to deposit {$290.00} which would've given me a credit of {$450.00}. I called a couple of weeks after because I never received and that they never took the money from my account. The representative asked for my bank information again and within a week or so the money was deducted from my checking account. I was excited to receive the card and I went ahead activate it and use it immediately for like $ XXXX {$60.00}. The very next day, I found out my card wasn't working and when I called the representative rudely stated that It was closed because I gave them initially the wrong account information. I'm not sure how that happens but I remember me called to ratify the situation and you guys did withdraw the money from my account. When I asked them what I should do then, he said that now there is nothing that can be done and the account is closed and after they take the money I used the remainder will be deposited. I've waited almost 2 months now, and my money has not been deposited back to my account. Due to the fact that this account was closed immediately, it shouldn't be reported as such on my credit report. Now it showed that I haven't paid the account, and your company had instructed me that they will deduct the money and send the remainder back. What's going on with my credit report and where is my {$250.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reached out to Equifax about unauthorized inquiries I found on my report. The agent I spoke to ( XXXX ) told me to file a police report for fraud. I went to the police department here in XXXX XXXX, XXXX XXXX XXXX Patrol Division. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Equifax yet again and was told to file a complaint here. 
This is the list of inquiries that Equifax refuses to remove that I did n't authorize. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or 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 2017-06-04
Company: EQUIFAX, INC.
State: VA
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 inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me   XXXX   out and my hippa has become worse because of the  XXXX , I need these removed .Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

XXXX sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, XXXX verified the information as accurate before they received my notarized affidavit. When I check on my dispute with XXXX they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

XXXX 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time XXXX has verified the items as accurate despite my police report, FTC report, and affidavit. 

Experian did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining 5 accounts refuse to remove the fraudulent accounts. Two state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : XXXX. XXXX XXXX  - Account also reported by XXXX XXXX XXXX XXXX. XXXX XXXX - Also reported by XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX - Also reported by XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also reported by XXXXXXXX XXXX XXXX XXXX XXXX. I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called transunion regarding inquires that were n't on my report in XX/XX/XXXX and XX/XX/XXXX, I checked my report iin XX/XX/XXXX and XX/XX/XXXX only to see things that were deleted then inserted and the years and dates had changed, I was n't given any type of information regarding the interments, I called to question them they stated there was nothing they could do being that the accounts of the inquires did n't state they were during the glitch yet they do know previously they didnt appear but because they are on there and documented they cant be 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 explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested that a Bankruptcy that is showing on my credit files be deleted and was never sent any information as to what was going to happen or has happened. This has been on going for months. This is affecting my credit and is causing me mental anguish as I can not move forward with my life until this matter is addressed and handled. Credit report reference number is XXXX and XXXX. It showing up on all XXXX of the credit bureaus in error please help me to get this addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This file was cleared in a bankruptcy and it is still showing as a judgment with an open balance

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 2021-12-13
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: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On Thursday XX/XX/2017 @ approximately XXXX I notice an Inquiry on my Equifax credit that I did n't authorized or recognize. I called Equifax and spoke to an agent and informed the agent I had an inquiry for credit on my credit file that I did n't authorized as I did n't apply for nor was denied for any create from XXXX with in the last 90 days. If I had of applied for credit that was denied XXXX with the FCRA I would have received a letter of denial and a chance to receive a free copy of my credit report. The agent informed me that according to Equifax the inquiries are true unless the creditor provides me with a letter that states otherwise. I called XXXX at XXXX and spoke to XXXX who informed me that XXXX does n't send out letter to the consumer to remove credit inquiries to dispute the Inquiry with the Equifax and they would send verification to XXXX. On Friday XX/XX/XXXX at XXXX I called Equifax to open the dispute the agent told me they could n't do a dispute on the phone for the inaccurate inquiry information I would have to open the dispute online. After I got off the phone with the agent I called back and spoke to an addition agent who told me to contact XXXX informed her that I already tried that route and per the FCRA I should be able to dispute inaccurate information on my file. She said that she was sorry the only way to dispute the information was to dispute it online. On Monday XX/XX/XXXX I opened a dispute with Equifax for the unauthorized inquiry on Tuesday the dispute was closed with the following information " '' We have reviewed the inquiry information. the results are : Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX, XXXX VA XXXX phone : XXXX. On Tuesday XX/XX/2017 upon receipt of the dispute findings I called XXXX at the number listed above and spoke to XXXX. XXXX researched the XXXX system and informed me he had no recent request for credit on my behalf and that they could n't send me a letter. I asked for him to transfer me to the Fraud department he did and I was transferred to XXXX at XXXX who reviewed my account and informed me he had no new request for credit for XXXX. XXXX called XXXX with me on the phone and spoke to an Equifax Representative reference the inaccurate information. The Equifax agent told XXXX the information would be taken care of yet when XXXX hung up the phone the representative stated he could not resolve the issue and had to transfer me to an additional section. As a Consumer I know I did n't request any credit from XXXX and to be given the run around by Equifax is unacceptable. To be provided a system generated response to dispute versus the dispute being investigated is disheartening. Please look into this matter for me thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: Bread Financial Holdings, Inc.
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a credit balance on my PayPal Credit account. I have asked twice that this credit be applied to future purchases. Yet when I charge a purchase against this account, I continue to be invoiced monthly for these purchases. When I pointed out on my last statement that PayPal actually owed me money, I was told that the credit reflected a pending disputed charge. However, there is no dispute for the amount of {$71.00} on my account. The only disputed charge is for {$5.00}. All other disputed charges since 2010 have been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX I have an issue of Portfolio Recovery Associates they have been calling me non-stop during the pandemic even though my work went down to 50 % my landlord even had an agreement signed saying about my work shutting down I have threatened them with a protective order they still don't stop calling. And tonight I am 99 % sure called me and took a 30 dollars from phone bill when I picked up the call. For 2 years none stop from differnt numbers all differnt times differnt people same company Portfolio Recovery Associates and it's over a debt with XXXX XXXX that was a fraudulent debt when somone took a criedt card I forget about. 5 years ago almost 6.

Company response to consumer: Closed with non-monetary relief