BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX XXXX XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back Capital One Auto FinancingXX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back. XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed. XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Capital one auto financing XX/XX/XXXX I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-12
Company: EQUIFAX, INC.
State: MD
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the tradeline to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the tradeline due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting 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 2021-02-23
Company: Experian Information Solutions Inc.
State: MA
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 : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS

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 2022-07-12
Company: EQUIFAX, INC.
State: MD
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Reported : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
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:
While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Hi I applied for a Arvest gold credit card and I was approved on the XX/XX/XXXX and the card was sent out on the XX/XX/XXXX and I never received my credit card and I waited and waited and I have a business to run and I dont Have time to be on the phone and talking to customer service agent and I try to see if they can XXXX it to my address it been over 10 business days but the lady told me there system is broken and she has to mail it regular 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 2017-09-08
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:
I was made aware of a breach in security of Equifax on Friday, XXXX XXXX XXXX for a breach that occurred on XXXX XXXX XXXX. I used their online tool to determine if I was a potential victim and I was indeed listed as a possible victim of identity theft. The company failed to inform me of the breach when it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: OR
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 XXXX XXXX XXXX XXXX XXXX XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-12
Company: EQUIFAX, INC.
State: MS
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 wondering if is it really that hard for the Credit Bureaus to PROPERLY verify the items that I have been disputing from XX/XX/XXXX to XX/XX/XXXX or it's just that the Credit Bureaus are lazy to not investigate at all. The Credit Reporting Agencies are required to remove any accounts and information that resulted from the Identity theft and was included in in an ID THEFT REPORT, but I see here that the Credit Bureaus have done nothing. I am disappointed by this action by the Credit Bureaus. How many letters do I have to send to the Credit Bureaus so that they pay attention to my appeals? Or are they just really lazy to take action and correct my Credit report. I am submitting this complaint to re-dispute the items which I previously disputed through the letters I sent and the complaints I submitted. Delete the following items immediately : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 wondering if is it really that hard for the Credit Bureaus to PROPERLY verify the items that I have been disputing from XX/XX/XXXX to XX/XX/XXXX or it's just that the Credit Bureaus are lazy to not investigate at all. The Credit Reporting Agencies are required to remove any accounts and information that resulted from the Identity theft and was included in in an ID THEFT REPORT, but I see here that the Credit Bureaus have done nothing. I am disappointed by this action by the Credit Bureaus. How many letters do I have to send to the Credit Bureaus so that they pay attention to my appeals? Or are they just really lazy to take action and correct my Credit report. I am submitting this complaint to re-dispute the items which I previously disputed through the letters I sent and the complaints I submitted. Delete the following items immediately : 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 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 2017-09-08
Company: EQUIFAX, INC.
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:
Equifax Inc. improperly stored my identity information resulting in a security breach that included my name, SSN, birth date, address, and drivers license number. I have filed a 90 day initial fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information is among that which was stolen. Equifax should be SEVERELY penalized after they exposed XXXX XXXX people to identity theft through gross negligence. Also, those executives ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, who all elected to sell a significant amount of their shares outside of XXXX scheduled trading plans just days after the breach, need to be investigated for insider trading and face prison time, not to mention delaying informing the victims for months in order for employees to cash out stock options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: OR
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 XXXX XXXX XXXX XXXX XXXX XXXX on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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 have been informed through Equifax that my personal information was part of the hack that accorded in XX/XX/2017. It seems that I was part of those who were most affected by having my name, address, SSN, and Credit Card information hacked and totally compromised. So far I have n't been made aware of any identity theft against me, but I appear to be most at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I have 3 items on my credit report that should be removed since it has been on there for 7 or more years. 
BAC Home Loans Services LP - XXXX 2007 Illinois Housing Development - XXXX 2007 ( on my report twice and both have been settled )

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: CITIBANK, N.A.
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:
I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX Citibank - 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 2022-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sending a wire transfer for final payment on a condo XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX My realtor 's e mail was hacked : XXXX. She works for XXXX XXXX but chose to use this email address. 
I was given the wrong wire transfer information from the imposter. 
XXXX XXXX wired {$200000.00} went to this account : CITIZENS BANK/ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Routing : XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX Account number XXXX. 
The money then went to a XXXX account ( according to XXXX ). I do not have that account number. 

XXXX is investigating but it seems a great possibility my money is gone. 

Both accounts set up by Citizens Bank and XXXX were FAKE accounts

Company response to consumer: Closed with explanation