BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both equifax and XXXX are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was not given what I paid for by a merchant ( XXXX XXXX ) on the Day of XX/XX/2022. I waited for another XXXX weeks for them to provide me with the documentation they said they would provide minutes after the payment was made. That never happened so I filed the report with the bank who temporarily refunded me the {$1100.00} that was charged. On XX/XX/XXXX after their investigation was concluded the funds were reversed because there was a Peer to Peer XXXX  transaction done that was not within the chargeback parameters. I then called back Chase Bank in mid XXXX to show that I had recorded the conversation with the XXXX Representative and how could I submit the documentation. They said fax the link over to the back office with the claim number. This would later be ignored because they did not view the submitted link for review or send to the insurance department for fraud coverage. Yesterday I spoke to them on the phone as well regarding the issue and they were very biased about documentation and said only the company could say it was an incorrect charge. I never knew about a third party in the mix with the debit charge and was never told of this. That means the charge was not authorized on those terms by me or any parties connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX Bankruptcy : Bankruptcy ) I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-11-27
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to XXXX and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: Incomm Holdings Inc.
State: KS
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received this card as a gift from my coworkers. I returned to work a week after my birthdate on Monday, XXXX XXXX on this day I was given the gift card. I was extremely grateful and noticed it was a Visa gift card which are usually used everywhere as normal currency.

Upon opening the card, I noticed part of the number was blocked from the card design. Not thinking anything of it, I used the card later this week ( XX/XX/XXXX ) at XXXX. It declined, and I then realized I needed to activate the card which usually is no problem, but the card number is blocked by the design, so since I could not read the number, I can not activate the card. I called multiple times to the company of the card, Vanilla Visa Gift Card to hear their FAQs to find out why I can not see my card number. No solution attained by doing so. I then looked up Vanilla Gift and found others were scammed by the same company and reported it. I can provide proof of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received numerous calls from aggressive people calling about a debt since I don't believe I owe this debt I asked for documentation and all information to be sent in writing. After I firmly told them this they stopped calling but it is on my credit report. 

As I left the apartment due to an infestation that the apartment agreed to waive the termination fee and to let me out of my lease for which I have documentation of I do not believe I owe this debt. 

This company refuses to supply the necessary written proof of any owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
Lvnv was taken off my experian report for misinformation. XXXX and XXXX will not remove, stating information is accurate but obviously it is not. Also XXXX XXXX XXXX XXXX. Was taken off my XXXX report for misinformation but XXXX and will not remove it stating information is accurate but obviously it is not. Please have these accounts removed from all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/23 XXXX XXXX XXXX XXXX ( displayed as XXXX ) fraudulently obtained my credit report. I never applied for credit, nor work near or shopping online at any of the stores they service. 

On XX/XX/23 the same thing happened with Capital One. 

I first tried disputing the fraudulent inquiries through all 3 credit Bureaus and they never removed the fraudulently obtained or innacurate inquiries. Then, I contacted each company. 

Capital One has opened a fraud investigation, but has not stopped reporting the inquiry after being notified of the FCRA violation. 

XXXX XXXX XXXX XXXX  does not even provide a phone number with their credit reporting information. I found two number via XXXX and both made it impossible to Report the FCRA violation. I have also provide written notice greater than 10 Days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has been reporting inaccurate information that should have been off my credit. I been dealing with this issue since my identity was stolen in 2016. I have to constantly check my credit, contact debt buyers who purchase the debt, dispute the debt, and yet still the accounts that were deleted from the other two reporting agencies XXXX and XXXX remains on Experian. This has cost me my job and housing placement by me living in the state of California they normally pull Experian. I have contacted Experian, called and even sent packages to headquarters and yet and still the inaccurate accounts still haunts me. Experian is violating the law. I have spoke to a supervisor in the fraud department and she told me over the phone that the accounts I disputed were accurate. I said to her how, you did not provide me any information to validate that this is so. When I know for sure they were purchased by other companies and I disputed it directly to them and they deleted the accounts. I am submitting this complaint along with my supporting documents to prove my case. Please help me as a consumer and I truly feel my rights are being violated. I am requesting that Experian remove these accounts and notify me when this is done.

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 2023-11-12
Company: CORELOGIC INC
State: FL
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:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Credit Inquiry : 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 explanation
Consumer complaint received 2023-01-11
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking the fair credit reporting act.

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 2022-05-04
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage payments paid automatically through my checking account. In XX/XX/XXXX, TD changed the monthly payment amount, and when my payment was made in XXXX, the automatic payment was off by XXXX dollars from their increase. When I received a call from TD about this, I made the adjustment, I was charged XXXX fees for the XXXX dollars variance that was clearly an accident. I was told be the agent over the phone that it would be refunded, that I had a very healthy account and there are never issues. In fact, I regularly overpay the mortgage rather than underpay. We also discussed having TD do the automatic withdrawal rather than me setting up the auto-pay. 
When I followed up with the branch having not see the late fee drop, I was told the request was denied because I had a late fee refunded for a very similar issue back in XXXX. I do not remember this happening then, but if TD says it happened, it happened. I won't argue with that, however if the delta was XXXX, which mean I paid 99 % of the balance, and I am fined XXXX on something accidental, this is quite absurd and lack common sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/XXXXXXXX  i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from XXXX XXXX Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the XXXX XXXX Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 
On XX/XX/XXXXXXXX  I called both XXXX and Equifax to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Problem with personal statement of dispute

Complaint:
It all started when I received a notification on XX/XX/2023 because my profile information on my Experian account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted Experian about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my Experian account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with XXXX on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called XXXX on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.

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