BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
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:
The account was updated as correct according to the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate According to 1681i ( a ) if proof is not provided within thirty 30 days the account should be DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a judgement against me that was opened while I was in a different state because my daughter was XXXX  XXXX  for several weeks ; Thereafter, was admitted in a XXXX  program for a week. When I returned back to Arizona, the paperwork was sitting at my door. Which lead me to contact the collector ( Resurgent ) to settle on all accounts and was told I can not because the debt was sent to there lawyer. I settled what was opened and thereafter contacted the lawyer to settle the account, i was told I had to pay the account in full which was {$1400.00}. I said i can pay half as a settlement and agree to delete from credit report. there response was no, we need the entire amount. A little after that, I was goin over my paystub and I was being garnished 10 % of my pay, with no notice. Afte reaching out to the courts, I was told by a clerk, the judgement is non-existent. Please help either settle or delete due to false and different amounts requested.. See attachments for receipts and court documents left at my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently

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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-01-02
Company: Experian Information Solutions 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 person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
in accordance with the fair XXXX XXXX  act XXXX  Alcourt my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies 4. XXXX XXXX  XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX  Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used

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 2023-05-17
Company: WELLS FARGO & COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
in regards to the open request for relief for the wells fargo credit card i have attached recent gas and electric bills that have caused my fixed XXXX income to no longer be able to maintain payments. I am the sole provider of the household and my fixed income is no longer enough. I am trying to secure work but the current debt has caused me to fail a financial background check for a security clearance. The attached bills are in the name of my wife.

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 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid 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:
XXXX XXXX to XX/XX/2023 I was charged XXXX dollars on my master card, I did not make purchase, I live in XXXX purchase was made in XXXX. I called company they said they would investigate, they did not, I recieved letter that I was responsible. This made me so angry, I cancelled card. 
I realalize I should not have cancelled card, they sent me a new card, which I don't intend to use. I have had good credit and paid bill on time, never late, I do not appreciate being treated this way. XXXX dollars may not be much to others, but I am on a fixed income, that money can be used for other things. 
I hope you can help me, and don't want this to happen to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-31
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a freeze on my profile with Lexis Nexis in XXXX and XXXX. Lexis responded with a stall letter XX/XX/2023 and again on XX/XX/2023 that they wee n't able to to authenticate me. I provided them with a copy of my passport, current utility bill and SSN card. This is a violation of my privacy and rights under consumer law. LexisNexis seems to belive the law doesn't apply to them and they can bully consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Early Warning Services, LLC
State: TX
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:
XXXX XXXX XXXX closed my account ending in XXXX with an outstanding balance of {$220.00} which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which XXXX XXXX and Early Warning Systems are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXX XXXX 's response letter ( attached ; page XXXX ) which states " Our records do not show any fraud claims being filed with XXXX XXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-08-31
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Account information incorrect

Complaint:
in accordance with the XXXX XXXX XXXX  act XXXX  XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX  Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies 4. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX  XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: NV
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:
U.s. code $ 1666b timing of payment A creditor may not treat a payment on a credit card account under any open or consumer credit plan as a late payment for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titlw is mailed or delivered to the consumer not later than 21 days before the payment due date... the acxount came back verified 611-15 u.s.c {$1600.00}

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 explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
In accordance to the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX  Account Numbers : XXXX. 
XXXX XXXX XXXX XXXX Account number : XXXX. 
XXXXXXXX XXXX XXXXI Account number : 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 : 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 2023-01-03
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not my debt my account was subjected to identity theft/ forgery.

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 2023-04-06
Company: Experian Information Solutions 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:
XXXX XX/XX/2022 hard inquiry this account was opened fraudulently this not my account please remove

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 2023-10-13
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
( American Honda Finance ) opened on XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the rights to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
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:
in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.I am a victim of identity theft please remove this fraud inquiry from my credit 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