BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX XXXX XXXX account opened ( isnt mine ). Capital one XX/XX/XXXX ( isnt mine ). XXXX XXXX XXXX XXXX XXXX XXXX ( isnt mine ) XXXX XXXX XXXX XXXX  ( isnt mine ). XXXX XXXX XXXXXXXX XX/XX/XXXX ( isnt mine ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX XXXX XXXX : XXXX, XXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : 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 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am not the who initiated these inquiries. I DO NOT have any idea regarding these UNAUTHORIZED and FRAUDULENT inquiries on my credit report. They are NOT mine.

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 2023-01-12
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My identity was stolen in XXXX XXXX XXXX  I discovered the theft in XXXX of XXXX, and I initially believed it was stolen in XX/XX/XXXX. I reported it to my local police. and the FTC and proceeded to work on their " recovery plan. '' I requested my credit reports by email and received two out of three reports, never receiving my EquiFax report. I requested it again and waited. 
Several months later, after the computer repair and program reinstall and reload on our desktop, we discovered the breach had occurred much earlier than believed. It had happened in XXXX the previous year. 
I adjusted my breach and theft date with the police and FTC and requested more credit reports in order to do a more thorough review of the past two to three years. I received my XXXX and the other credit bureau but not EquiFax. 
I tried to access it directly with my account and questions, EquiFax 's automated system refused to let me in. I tried to open a new account, EquiFax 's automated system refused to let me in. I called customer service, they said they could not get around the automated system. I asked for a verification code by mail and was given a response of that the EquiFax system could not complete my request at this time. 
Therefore I can only believe that EquiFax is stonewalling or refusing to provide my credit report due to a specific reason or incompetence on their part. 

I have also solicited the XXXX XXXX XXXX, and the FTC to assist in this endeavor and they have not been successful either. I am now asking you, the CFPB to aid in obtaining this credit report to make sure that I do not have any errors on this report going back prior to their breach in XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Chime Financial Inc
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
What happened was on XX/XX/XXXX I checked into a XXXX XXXXl, XXXX XXXX XXXX XXXX. From there on XX/XX/XXXX I was sent to XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, where I have signed documents from XXXX XXXX stating my admittance dates and discharge date, XX/XX/XXXX, and the fact that I had XXXX access to my phone, wallet or any personal affects. I was successfully discharged from there and went straight to the XXXX XXXX driven by the XXXX XXXX. I have the same letter from them stating I was there from XX/XX/XXXX to XX/XX/XXXX, and I had no access to wallet, phone or any personal valuables. Well on XX/XX/XXXX, I started receiving monthly charges from XXXX for {$21.00}. Something twice in a day sometime once a month, totaling {$230.00}. They refunded me XXXX and another. But denied the rest. I out in for a rebuttal and submitted all the documents stating that it was physically impossible for me to make those charges, they investigated it for 3 days and denied it. I asked for ALL information they used to make that decision, and received nothing, except for XXXX and XXXX refunds of {$21.00} each. Makes XXXX sense whatsoever. I dont know what else to do but to take them to small claims court, which is the next step if its not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is follow-up to complaint XXXX. 

I still have not received my overpayment refund that I've been expecting since XX/XX/2023 ( XXXX months ). 

The letter that I received from complaint XXXX stated that a refund would be manually processed in the coming weeks. It's been another month, and I haven't received anything. 

Also, MOHELA did not reply to my request asking what the amount of the refund is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Name is XXXX XXXX my complaint is that malen associates has not responded to my faxes and written communication regarding file XXXX the debt is for XXXX  XXXX credit card ending in XXXX. I ask malen and associates to set me up on a payment plan I could only afford XXXX XXXX dollars a month and I would like start my first payment in XX/XX/2023. But the problem here is that they have not responded to my request. And I think their doing that on purpose to make it look like I haven't responded in a timely manner. I wrote to them in XX/XX/2023 also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance 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. 
XXXX  Account # XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 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 non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX XXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

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

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.

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 2023-01-04
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this account : 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 2015-06-09
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I am writing this complaint due to the billing practice American Express XXXX. Well I was glad to apply and get accepted for a credit limit of {$3000.00} ( on XXXX 2015 ). However few weeks after acceptance I started to receive a bill of the amount {$450.00} urging me pay now in order of avoid late fee charges. I was surprised because I have not even activated the card at the moment. I was concerned, so I called customer service requesting a clarification regarding the bill. I was told that was an annual fee ( and membership card ). After that conversation, I attempted to purchase a set of furniture on XXXX but decided to cancel the order later on. On the of XXXX XXXX 2015, I used the card to purchase gas for my car. And on XXXX XXXX, 2015 I received an email from American Express, stressing that my card has been canceled because after their analysis and observation, I am a risk. But they are requesting I pay {$480.00} even though they have canceled my card. So, I think that I should not pay the {$450.00} due to the fact I did not have to opportunity to enjoy the membership. I should only pay the gas bill ( {$37.00} ) since they decided to cancel the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: AR
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:
I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy dismissed XXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I appreciate your efforts to address some of the fraudulent items in my file resulting from alleged identity theft. However, there are still items that need to be removed. This marks my third complaint as a victim of identity theft, and I am submitting a dispute for the remaining fraudulent items in my file. The items I am disputing have no connection to any transactions involving the possession of goods, services, or money that I have made or authorized. Please remove the reporting of these items in my credit file, as they are unknown to me. Additionally, the information provided on these items has been deleted from other bureaus, casting doubts on their accuracy and reported payment history in my file. I have attached my FTC Report # XXXX for your reference. Here are the remaining items that need to be removed from each bureau : -- -- -- -- -- -XXXX XXXX -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} -- -- -- -- -- -XXXX -- -- -- -- XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} -- -- -- -- -- -TRANSUNION -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX 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 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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 requested the contract between XXXX And i but yet i received my tuition bill which should be private due to it having my personal information on it. it also came back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. I do not have any business contract with XXXX nor have I given XXXX and XXXXXXXX XXXX the permission to share such PRIVATE information nor did I receive any notice about there being a possibility of my PRIVATE information to be given out to strangers. they also mentioned they sent me mail to an address that i do not reside in since XXXX and a missouri address in which i don't reside in, which shows that i've never had any contact with this XXXX company before because if i did they would have an updated current address. i demand them not to contact me on matters not contracted by XXXX anymore and remove this account from 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