BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

XXXX XXXX XXXX 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 XXXXXXXX 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 explanation
Consumer complaint received 2023-12-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
reporting two dda closures, i did not open.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: KS
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, listing the following accounts has violated my rights. 

XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX ACC # XXXX XXXXXXXX XXXX XXXXXXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXXXXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX ACC # XXXX XXXX XXXXXXXX XXXX ACC # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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:
I have been a victim of identity theft and this fraudulent XXXX XXXX account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with XXXX  XXXX. this fraudulent account is putting me in financial ruin and ruining my chances at getting a mortgage

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 2022-07-28
Company: EQUIFAX, INC.
State: SC
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 file 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 accounts 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 these files. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXX XXXXXXXX Balance : {$31.00} 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 explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX ) Date of last activity is different across all three credit bureaus. 
2 ) Balance is different across all three credit bureaus. 
3 ) This account was settled on XXXX XXXX. 
4 ) This account still reported XXXX to start over date of last activity. 
XXXX XXXX XXXX ) Still showing a balance across all three credit bureaus. 
2 ) Credit bureaus is still showing XXXX to change date of last activity. 
3 ) Account was settled in full on XX/XX/2022.

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 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I don't have an account with Capitol One, and don't hold a debit card with them. Nevertheless, I received an account statement with a balance of {$330.00} to be paid by XX/XX/2021. This is a fraud because I haven't done business with Capital One before, and I am not doing business with them. I am afraid that someone must have stolen my information. Please resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 acct # XXXX, XXXX XXXX acct # XXXX, State of Michigan Child Support acct # XXXX, State of Michigan Child Support acct # XXXX, XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my 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 2023-12-30
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MN
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting 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 would like the Hard Inquiries to be removed from my credit report. One of which I dont recognize and 2 I had no idea they had to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: UT
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, 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  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 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft for 3 years, I have tried to rectify this situation with the credit bureaus and they have failed to remove all of the fraudulent information from my reports. XXXX has refused to do a thorough investigation on 3 separate occasions. They have verified information in less than XXXX hours in each dispute. The creditors have removed the accounts from the other 2 bureaus. The accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, 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 AND INQUIRIES XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: AZ
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:
Remove late payment from XX/XX/2021 for XXXX  for auto loan ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to unfreeze my credit with Equifax. I have called numerous times and have been lied to about having my report unfrozen. Please unfreeze my credit report. In addition, I have not had access to my equifax account in over two years because equifax will not update my phone number and e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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, My number is XXXX please remove this fraudulent account from capital on tap during my pandemic in XXXX my wallet and personal information was stolen at a mall. Ever since my information has been compromised and these debt from XXXX has been on my report and its FRAUD ITS NOT MY ACCOUNT PLEASE REMOVE IT, I HAVE ATTACHED A POLICE REPORT, A FTC REPORT, AND FILE A COMPLAINT WITH THE CONSUMER FINANCIAL PROTECTION BUREAU. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX .... 
Recent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Charged Off Amount : {$1600.00} I regret to inform you that I have recently discovered that this account is fraudulent and a result of identity theft. To support my claim, I have attached copies of the Federal Trade Commission ( FTC ) report and the police report detailing the identity theft incident. 

Given the gravity of this situation, I request the following immediate actions from XXXX XXXX XXXX : Account Investigation : I urge you to conduct a thorough investigation into the fraudulent account with the account number XXXX .... Please verify the authenticity of the provided reports and take necessary steps to rectify the situation promptly. 
Freeze the Account : As a victim of identity theft, I request that you freeze any activity on the account immediately to prevent further unauthorized transactions.

Assistance in Resolving the Issue : I seek your cooperation in resolving this matter expediently. Please provide guidance on the steps I need to take to secure my financial information and rectify any damage caused by this fraudulent account.

Communication and Documentation : Keep me informed of the progress of your investigation and provide documentation of any actions taken to address this issue. 
I understand the seriousness of identity theft and the potential impact it can have on individuals. I trust that XXXX XXXX XXXX will treat this matter with the urgency and sensitivity it requires. I am counting on your cooperation to ensure the swift resolution of this unfortunate situation. 

Please acknowledge the receipt of this complaint promptly, and I expect to receive updates on the progress within

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Open Dealer Exchange, LLC
State: GA
Product: Credit reporting 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 several hard inquiries on my credit report I did't authorize or recognize can you have those removed ASAP please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I logged on to Equifax XXXX like I usually do and received a response saying that I needed to contact customer care, so I called and they assured me that the problem was resolved and that Ill have the freeze lifted for the time frame I requested. After ( 3 ) attempts on different days and ( 2 ) calls to customer care my credit remains frozen! Ive attempted to apply for new credit and was denied due to my credit being frozen!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America keeps sending emails stating my deposit hold balance is {$0.00} but it's actually over {$200.00} currently. I've tried to resolve it with the bank via message but the session cut out and low and behold same email arrived today, so twice total

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 2023-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
new auto loan with wells fargo was opened on XXXX and was paid in full on XX/XX/XXXX. Wellsfargo initially failed to issue a paid in full letter and when they did it had the incorrect date. Letter that wells fargo posted to the online account document section still shows XX/XX/XXXX. Wellsfargo acknowledges the error on their end but refuses to correct the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled and updated quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-10-03
Company: MIDFIRST BANK
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I filed a complaint XX/XX/2023 on MIDLAND MTG home loan, nothing was resolved they still resend my checks if I miss one, and throws my account off on whatever day or date they want too, I looked over payment history and they forced another payment to come out because they were trying to foreclosure my home this company is horrible to the community and proud home owners I will report every day if I have to until it is resolved they, are XXXX they think they can treat customers any way because of FHA LOAN put big envelopes on your door take pictures of your house like they bout to sale it tomorrow, if I wasnt a XXXX mom Id pack my things and move, they will not run me out of my mortgage, the paper work they sent over said nothing about how they resend checks if they bounce every week until it clears they dont talk about the harassment in the paper work either all it said was my agreements from XXXX , so nothing got accomplished. Currently accounts are showing behind 120 days when they are in fact current. This loan company has tarnished my credit and will not negotiate with the consumer, nor have they reported correctly on my report.

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