BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-05
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a customer 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 2023-05-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, there has been unathorized repetitive inquiries on my report from Car and Financial 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 2023-05-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I sent a letter to National Credit Systems Inc about a collection placed on my credit for {$7700.00} that says I lived at XXXX at XXXX XXXX. According to my credit report, it shows the last payment was made XX/XX/XXXX. Not only is this information inaccurate, the apartment is in a completely different city from where I lived in XXXX. The letter I sent was a debt validation letter asking to be provided with any proof that we ever had any kind of agreement to which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX  and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am XXXX!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXX-XXXX  : XXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be.

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. 

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim of XXXX data breach and TRANSUNION has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. TransUnion inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my credit.

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 2023-06-22
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XXXX XXXX He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/. I need this removed from my credit. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: CA
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:
Experian keeps opening up Disputes everrytime I contact CFPB with new information in the last 60 days Experian Has Only Corrected and deleated XXXX XXXX these practices need to be pubilicflly notted for future Law Suits as Exhibits as well Experian needs to stop trying to sell me services to boost scores etc THIS NEEDS TO BE STOPED IMMEDIATELY

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-22
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}

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 2023-06-22
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Someone hacked into my Capital One bank account over a period of 2 weeks between XX/XX/2023 and XX/XX/2023 ( multiple times ) and transferred money from savings to checking and then went ahead and took out {$1600.00} in multiple transactions starting XX/XX/XXXX from my checking account to XXXX and XXXX 
When I found out about this, I started a claim with Capital One to investigate and catch this person. They started an investigation but on XX/XX/XXXX, they closed the claim stating that the charges were valid. I doubt they investigated it properly because I have no information on these charges at all. So someone either bought stuff or transferred these funds without my knowledge to their account. Either way if someone looked into it and saw the IP address from where these logins were done, they would realize my account was hacked and since I don't recognize the person who got the money through XXXX, they should report the scamster. If something was purchased, then they should follow the trail and see if something was purchased then what address did it go to? Once they look into this, they will realize that this was a complete fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: SC
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 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NE
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:
Ove the years of my life I am good payer on my bills well some I amtrying get bank loan from my bank and it's always be deny refuse to get their customers a change so this the virtual of my complaint the company consumer pull this company sad up it's called Clarity Services Inc '' I never heard of this I put u in charge maybe this the False information theft have my Identity

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 2023-08-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
complaint about paypal : : : purchase made at XXXX XXXX XXXX transaction reported after no delivery purchase through paypal via salvation XXXX store on or around XX/XX/2023. After no information regarding delivery and not being able to contact store, I contacted PayPal regarding a refund. fFirst report XX/XX/2023. XXXX subsequent calls ... .both transferred to debit card payment departments. Was given update on processing refund first time. XXXX call occurred today and after transfer to department again, agent picked up, said hello and after I responded, they hung up. As of today, I have tried to contact store directly again to no avail, ( by phone and XXXX message, per paypal instructions ) nor have merchandise been delivered. below is information regarding dispute with paypal : : Case details Case ID : XXXX XXXX XXXX : {$48.00} USD Date reported : XX/XX/2023 Transaction reported S* SQ XXXX XXXX XXXX XX/XX/XXXX, Payment - XXXX  XXXX XXXX ID : XXXX Amount {$48.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Commonwealth Financial Systems, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a medical collection for XXXX dollars should up on my credit report from commonwealth finance located at XXXX XXXX XXXX XXXX PA XXXX without my knowledge or consent my medical insurance paid this debt. Plus in XXXX of last year they past a notice that said medical debts under XXXX will not should up on my credit report and it also stated that i would have at least a year to pay the debt it it was minds.This is lawful practices and against the law.Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There is a fraudulent, unsolicited, opening of a credit card named " Destiny '' under my name and information. On XX/XX/2023 I had received a credit card statement from the company " Destiny. '' It states that I allegedly have a account number and that I owe a balance of {$76.00} on XX/XX/2023 ; charges consist of {$75.00} for the annual fee and {$1.00} for the credit protection fees. I do not recognize this account nor the name of is company. I did not give anyone permission to open this account. I would like this account closed. I was going to contact the company itself through their number XXXX but I googled them first and I believe I do not trust speaking to their representatives. https : XXXX. I want this account closed and I really would appreciate the help. Not sure if this is identity theft because I have also experienced recently {$2100.00} theft at a XXXX XXXX and XXXX far away from where I am located. I will file another dispute/complaint for that separate issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I set up a payment plan with CapitalOne Finance for my XXXX XXXX. I recently had a huge drop in income and have been struggling ever since to get everything back to current status. The representative stated that they could set up XXXX payments for my past due amounts and it would put me back on track. I did receive confirmation emails for all XXXX payment dates as well. I called on XX/XX/XXXX to move the payment from the XXXX to XXXX because I would get paid and have enough to cover the first payment. They refused to do so since it was the initial payment but that representative said that I can always change the other XXXX if necessary. Payment thankfully posted and nothing else occurred until I received a letter on XX/XX/XXXX, dated on XX/XX/XXXX, a notice of strict enforcement of contract rights. I was confused because the rep who set up my account stated that the payment plan will prevent any letters or calls, clearly he was wrong. I called on XX/XX/XXXX asking why I received this payment even though I have a payment plan set up and that rep was talking and concerned only to set up another payment after my payment plan ends. I did the math of everything past due and broke it down and told the rep that making that additional payment would put me ahead not behind and I shouldn't have to do a double payment of my normal amount. We went back and forth about the math and finally she asked if I would like a copy of my transaction history and I said yes but it has to be mailed out so as of now I'm still waiting. I called them today, XX/XX/XXXX, to move it from the XXXX to the XXXX or XXXX since that is within the grace period and when I get a paycheck. The first rep cancelled that payment and put me on hold which ended up disconnecting the call, the second call with another rep kept talking the extra payment needs and wouldn't answer my questions about why I couldn't schedule a new payment as the original rep with the payment plan said I can. Again got placed on hold and disconnected. The third attempt was an even bigger mess, apparently more inaccurate information from the initial payment plan setup that if I change the date it would cancel my entire payment plan which the rep said on the line and I repeated twice to make sure I heard her correctly. I've changed payments before and never had a payment plan get cancelled because of it. It would seem that they are just trying to get more money than they should be and wanting to intentionally get my car repossessed no matter how many times I've tried to work with them.

Company response to consumer: Closed with explanation