BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-07-31
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or around XXXX of 2022 I requested information leading up to why information was showing up on my credit report ( s ) about alleged verified information. After reaching out to the entity to verify the bureau 's information and finding out they don't verify information because it is personal information. It brought me to this agency to correct what the bureau 's are reporting as inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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:
1 ) XXXX XXXX XXXX Acct XXXX XXXX 2 ) XXXX  XXXX XXXX  Acct XXXX  XXXX 3  ) XXXX XXXX  Acct XXXX  XXXX 4 ) XXXX XXXX Acct XXXX XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX XXXX XXXX  Acct XXXX  XXXX 7  ) XXXX XXXX XXXX Acct XXXX XXXX 8 ) XXXX XXXX, XXXX Acct XXXX  XXXX 9 ) XXXX XXXX Acct XXXX  XXXX 10 ) XXXXXXXX XXXX XXXXc Acct XXXX  XXXX In Accordance with the Fair Credit Reporting Act XXXX  Accounts 1-10, has 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 can not furnish a account without my written instructions.

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 2022-10-16
Company: JPMORGAN CHASE & CO.
State: AL
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:
All three credit bureaus are reporting me late on closed accounts with Chase and XXXX XXXX which is incorrect. Ive disputed with each credit bureaus and the only one that has responded was XXXX but I didnt receive the requested documents showing where I was late from the credit cards reporting the late fees. I also called the creditors and XXXX is fixing the issue still havent heard back from Chase. Please remove the late payments or send documents from the creditors proving when I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the FCRA a charge off account must be reported with a 0 dollar balance. There is a charge of account reporting in accurately on my credit report. I have tried to get this matter taken care of directly with the organization.

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 2023-10-27
Company: EQUIFAX, INC.
State: NJ
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:
The account in question was open fraudulently with my information unknowingly to me, they refuse to remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Cash advance charges for what amount they can't tell me, still paying for those charges from 2017, never made cash advance over {$100.00} before I want some of my charges refunded and stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting Act ; this creditor, Capital One has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Also account XXXX was charged off but I never received a XXXX XXXX from Capital One. I have written Capital One in XXXX, XXXX, and XXXX regarding this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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:
I check the free annual credit report site from time to time in order to monitor my credit, as is my right, and my XXXX and XXXX accounts show up with no issue. However, the last few times I have tried to obtain the Experian reporting of my information, I get a vague message that a condition exists that prevent them from sharing that with me over the web, that I must write them to obtain the information. I dont understand the point of this. The other two agencies dont have conditions of this sort pertaining to my account. When Im checking my credit, I like to have the information readily available, not wait a number of days for a letter to go through or waste more postage on stamps to obtain something that should be freely available. I have obtained these reports a number of times over the years and in the past, the Experian information was available when I checked and there was no condition. Id like to see this condition resolved and be able to access my Experian reporting the same way I access the other two agencies.

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 2023-05-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has 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 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 An 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 2023-09-20
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LVNV Funding LLC is claiming I owe a debt to them for the amount of {$8000.00}. I have requested they provide documentation where I signed and got into a contract with LVNV Funding LLC showing I owe them. They have not provided documentation requested and they have posted the collection on my credit report which has negatively impacted my credit report preventing me to be approved for a credit card and vehicle purchase which I desperately need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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: Reporting company used your report improperly

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has 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 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 explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was told over the phone that the card use was XXXX meaning my ex had the physical card, but I was told originally that all the transaction reports showed that those were made off a mobile device that is not mine at places I dont go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Block, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I verified my checking account with Square in order to receive a payment from an invoice I sent out using their products. After a week of not being able to transfer out the funds, I called Square support and was told that my account, which had always been in good standing, was deactivated and my issue would be escalated to Account Services and that I would receive a call back in 24 hours. I never received a notification of account deactivation and I never received a call back. 

I called in every single week from then forward and got the same response until Thursday XX/XX/XXXX when a rep named XXXX recognized an issue on the Square side and would escalate my issue again. She continued to email me that Account Services had not responded until I emailed again on XXXX for an update and recieved a boilerplate response from Account Services that my account had been deactivated. Who would have thought?! I still have not received any information on the funds that are trapped in the account and feel I have run out of resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I purchased a bed through XXXX XXXX  and was financed through Wells Fargo. I called and was told my first payment was due on. I then set up automatic payments through my bank which made weekly payments. I have made every payment and paid {$14.00} {$.00} a month extra on each monthly payment Wells Fargo then stated to me I had missed the first payment and has charged me {$220.00} interest over the past year. On two separate times I have called Wells Fargo and thought the matter was resolved but to this day my very first payment which I was told to make I made there saying was the month prior mind you I paid {$15.00} a month more than what the payment was due every month no late payments other than the very first one they say I miss which I did not and they have been charging me interest and that ever cents where is the {$15.00} a month extra I pay gone I should be months and months ahead of the Bed payment nonetheless I paid the {$220.00} because they have messed up my credit as I am trying to purchase a home to the veterans and they have messed my credit up. I not only do not all this money and its shameful yet to clear my credit up. I had to pay it so I can try to move forward with the veterans administration to fix my credit score so I qualify for my loan. Please help this is not fair. Once you look at my payments, Ive made every payment on time every week except for the very first payment that they said I was to pay when I was told to pay that on a certain date the next month, please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: GA
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:
Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and 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 2023-07-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian and XXXX XXXX has reported inaccurate information on credit report which are charged off. That is personal income and should not be reporting. Experian has a balance of XXXX balance and XXXX XXXX XXXX balance. This is inaccurate information on my credit report. Also personal income, which should not be reported.

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 2023-02-25
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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:
These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. 


I am demanding that these inquiries be DELETED immediately. 


The inquiries are noted as follows : BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately. 
BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are Unauthorized Inquiries that are currently being reported on my consumer credit profile that have been furnished without my consent, authorization, or permissible purpose. The inquiries have not resulted from any authorized consumer credit transactions, and therefore this use of my personal identifying information constitutes " Identity Theft '' pursuant to XXXX CFR XXXX ( h ). Exercising my right as a consumer I have now identified and given notice of the unauthorized inquiries. TRANSUNION, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice. It is hereby required by Federal Law that TRANSUNION immediately remove or block from reporting the following unauthorized inquiries : XXXX. ) XXXX XXXX XXXX  XXXX - XX/XX/2021 XXXX. ) XXXX XXXX - XX/XX/2021

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 2023-05-15
Company: EQUIFAX, INC.
State: NC
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:
Not sure why this account is still being shown on my report. XXXX already removed the tradeline from the report as this fraudulently opened. XXXX has already removed the tradeline but for some reason, Equifax and XXXX keep saying the information is accurate?? Please have these removed immediately as it is impacting my credit worthiness and future purchases.

Company response to consumer: Closed with explanation