BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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 2022-06-22
Company: EQUIFAX, INC.
State: NV
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 2022-06-06
Company: Incomm Holdings Inc.
State: IL
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:
I received a VanillaGift.com card in XX/XX/XXXX in the amount of {$150.00}. In XX/XX/XXXX there were 2 fraudulent charges totaling {$120.00}. The purchases were in California. I live in Illinois. I disputed the charges as soon as I learned of them which was on XX/XX/XXXX. ( Case # XXXX XXXX ) I emailed the requested dispute form on XX/XX/XXXX and received email confirmation that it was received. The confirmation says the dispute will be resolved in 45-90 days. I've called the company every 30 days to check on the progress. It's now been 90 days. Every time I call the company they are unable to provide any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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 2022-06-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
XX/XX/XXXX Scam, My sisters identity was stolen and used to entice me to buy {$500.00} of XXXX gift cards for the thieves. We found out the fraud immediately and notified Capital One by phone. Filed an XXXX XXXX police report and obtained information from my sister. 

XX/XX/XXXX Capital One sent new credit card despite our XX/XX/XXXX phone conversation. 

XX/XX/XXXX letter from Capital One stated no fraud because we benefited from the transaction, not recognizing the identity theft. This accuses me of being and thief and angered me. It also implied that fraud was committed if I had not benefited. 
Another letter of the same date said the fraud investigation was closed. First of 3 identical letters. 

XX/XX/XXXX I sent letter laying out the facts and including the police report, evidence from my sister, referred to XXXX XXXX, and a further attempt by the thieves to defraud. I did state I had been insulted and was angry. I never received an apology, angering me further. 

XX/XX/XXXX I sent letter noting no response to my XXXX letter. 

XX/XX/XXXX I send another letter noting still no response. 

XX/XX/XXXX Second form letter from Capital One identical to second XXXX letter. 

XX/XX/XXXX I sent letter noting the XX/XX/XXXX letter which stated As a part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. However, I still am being billed for fraudulent charges plus interest and late fees. 

In my subsequent phone call I was told that scams such as my case were not fraud under their definition. However, the dictionary considers a scam as fraud and I see nothing to the contrary in the credit card agreement. I said I wanted to close my account and not make payments related to the original scam. I was told my case would be reviewed and they would call me in 8-10 days, later extended a week because of my trip to XXXX XXXX XXXX 

XX/XX/XXXX Another form letter identical to those of XXXX and XX/XX/XXXX. 

XXXX Phone call stated that my appeal for fraud recognition was denied because I did authorize the purchase. They did waive the interest and late fees although late fees resumed from that point. Letter received the next day, although dated XX/XX/XXXX, accordingly. 

XXXX In a phone call I repeated my complaint and again tried to close my account. I was told a letter would be forthcoming. 

XX/XX/XXXX Capital One letter outlined payment options but did not address my complaint or the account closure. 

I have recently received notices that my credit score has dropped from around 840 to about 660.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my identity and applied for American Express and XXXX credit cards, The one used my identity keep paying monthly payments and all of a sudden he didn't pay at all. Creditors have been writing letter to me to pay but i didn't pay because this is not my credit cards. I called credit bureaus and reported what happen and file a dispute of these charge offs on my credit report. If AMEX and XXXX can not provide a signature from me during application of these credit cards i need this to be deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have notified Equifax about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Equifax reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY. There is no proof that I initiated these hard inquiries. If there is proof, Equifax should provide the proof to me. Equifax has never provided any proof because there is no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-10-27
Company: EQUIFAX, INC.
State: FL
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, XXXX XXXX, sent a letter to Equifax but Equifax says 'my proof of identity does not match the information on my credit file '. 
This CFPB complaint serves as my proof of identity, as well as proof that my credit file is NOT accurate as Equifax just admitted to information not matching

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services Sent me a letter by mail stating that they are trying to collect a debt I owe to XXXX XXXX XXXX. Credit Collection Services is not the original creditor and I did not give XXXX XXXX XXXX written instructions to give my information to any third party. XXXX XXXX XXXX work with agents. So unless Credit Collection Services has written instructions from my previous agent then this debt should not be collected upon. I switched to XXXX insurance on XX/XX/2022 which I currently have had. How could I have a balance with another insurance agency if I am already on a new insurance policy. It would have had to be cancelled which it was. XXXX XXXX services claim I owe a balance as of XXXX but I have had XXXX since XXXX which is enclosed. That would be impossible for me to have 2 current insurance policies for the same car and same time. XXXX would have had to cancel the policy before switching to them which they did. Credit Collection Services did not send me any proof of how I owe this debt. This debt should not be collected upon and should not be furnished on my consumer report at all. I have the right to privacy under section 15 U.S.C. 1681 section 602 A. Also unless they have my written instructions or permissions, they should not be able to furnish my account at all. This is what 15 U.S.C. 1681 section 604 A Section 2 states. 

this account should not be furnished on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
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:
An inquiry to my credit report was pulled by XXXX on XX/XX/2022 for charles schwab bank XXXX. XXXX XXXX XXXX XXXX, Co XXXX phone number XXXX. A fraudulent online checking & high yeild investment account was opened after the inquiry with charles schwab bank on XX/XX/2022. The company was quick to recognize the fraudulent account and closed it on XX/XX/2022. A financial crimes risk management specialist was immediately placed in charge of this issue and contacted me right away. They have been good in contact with me. 

I asked for copies of thier data that from the person who applied and opened a fraudulent account including any information that person has used. Under the Identity Victim bill of rights I am allowed to request these proof documents for my own legal needs. I have not been able to do that and have waited several weeks to get a response after they responded to me regularly before.

Company response to consumer: Closed with explanation