BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: CO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: CO
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. 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 2023-06-28
Company: EQUIFAX, INC.
State: CO
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:
YOUR COMPLAINT It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX and XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: PR
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:
This letter is a formal complaint against EQUIFAX. They reported an inaccurate information on my credit reports. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be updated/deleted as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX- Account # XXXX ( 30 days late XXXX and XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
They are reporting that i am late on payments wgen we have settled the 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 explanation
Consumer complaint received 2018-06-08
Company: WESTERN UNION COMPANY, THE
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I ask to change the name of my reciever.. and they change but they ask a new MTCN no. Because the MTCN no XXXX was already unavailable ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: OH
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 contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Accounts : XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I received a {$250.00} annual membership fee statement from American Express ( Amex ) showing no other balance owed ( see attached ). The next day I phoned Amex to cancel my card; talked to XXXX who assured me the card was cancelled. However Amex continued to bill me {$250.00} plus {$40.00} in late charges every month since then. On XX/XX/XXXX, Amex sent me acknowledgement of my cancellation effective " XX/XX/XXXX '', but claimed I still owed the annual membership fee because my cancellation wasn't " processed '' within 30 days after it was billed ( see attached ). 
In XX/XX/XXXX, I talked to XXXX XXXX of Amex to get the charges dropped, to no avail. Instead Amex sent my file to XXXX XXXX for collection, which I disputed. I then obtained my credit report and discovered that Amex has been dinging my otherwise perfect credit. 
So I filed lawsuit in small claims court, which is pending. In response Amex has turned over my account for collection to XXXX XXXX XXXX. This may violate federal collection practices laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My gift card had its balance depleted although it was in a sealed envelope in my home. I contacted AmEx Gift card XXXX to report the fraud and was told to contact the XXXX XXXX XXXX at XXXX. I did this and XXXX identified the account of the individual who used the funds. I was told that AmEx GC has to file a chargeback. AmEx GC refuses to do anything further. They won't even take my name. I want my funds issued to a new card but they will not do this. I am being pushed off on the other party with hold times in excess of 30 mins for each call. XXXX  can not reissue the card so it seems that AmEx does not want to return my funds or do anything but blame the merchant. AmEx will not do file a chargeback or file a dispute with XXXX. Please help. I am a victim of fraud but no one wants to help despite the identity of the person commiting the fraud now being known. I have no assoication with the person and have no online connection with him. Why is the victim pushed around when I helped identify the fraudlulent individual by pointing out the transactions with XXXX? This should be black and white - fraud identified and funds received. I have the card and I can verify EVERY number associated with the card to prove I am the cardholder and the one the sealed gift card was given to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: OH
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 sent a letter on XXXX XXXX to remove personal information that I don't want on my credit report. The tracking numbers are XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to the Fair Credit Reporting Act 15 USC 6802, no financial institution is supposed to share my personal information to any third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent a letter on XXXX XXXX to remove personal information that I don't want on my credit report. The tracking numbers are XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to the Fair Credit Reporting Act 15 USC 6802, no financial institution is supposed to share my personal information to any third party people. These are clear violations of my federally protected consumer rights.

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 2022-12-08
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I attempted to call this company to file a complaint since the debt appeared on my credit report but I do not recognize the loan. When trying to file a dispute the company stated they did not find any fraud, however I told them I did not recognize their company name nor did I live in the state in which the loan was taken out ( XXXX  ) and told them as such but they claimed there was nothing they could do. I tried contacting the credit bureau stating the report, XXXX, but they claimed no fraud was detected on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which 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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I received a check from an insurance company of XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  because their employee was at fault for hitting my car and they were paying for the damages. They sent out this check for me around XX/XX/2022 or close to that date but I cashed it on my Capital One account XX/XX/2022 because it kept getting delayed. Usually when I deposit a check to my bank account with capital one, it go through with no problems. They put a hold on it because of the amount which was {$3600.00} and so I had to wait for it to be clear until XX/XX/2022. When the date has arrived I called them about it and they said it was unfamiliar and it might be a scam ( which it wasnt because I talked to the insurance people about it and they said they would talked to them if they want to prove it. They was not trying to hear it and was brushing me off. So Capital One made the decision to block my calls from coming in so I wont have no way of contacting them and closed my account for good while they have it under investigation. Ive called so many times and they gave me the cold shoulder about it like I dont have a child to take care of and I have proof that my deposit was cleared. I finally got a hold to a representative after so long of looking for a direct number to the Capital One bank that doesnt have me blocked or on the security list to send me calls straight to voicemail. They told me the same stuff and brushed me off to the side and said I dont have any money in my bank account but they took some of it for some other deposits that was sent to me by accident. Its not fair and its really frustrating that they got a hold of my money. I am a single mother already struggling to get my life back on track and for them to hold my money like I dont have bills is ridiculous. I want my money I dont have to be with that bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation