BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
XXXX XXXX BANK XXXX details Paid off - Balance - Balance updated - Original balance {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed/Never late. 
Status updated XXXX XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX ontact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX 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 XXXX BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized businesses on 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
Consumer complaint received 2022-11-13
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:
equifax, XXXX  and XXXX has some accounts on my credit that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX PA XXXX XXXX XXXX MN XXXX ; XXXX  XXXX XXXX  XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX : {$2700.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX  XXXX  : XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  : {$2400.00}.

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 2023-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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: Overcharged for something you did purchase with the card

Complaint:
Capital one my card was lost and someone transferred money from my bank to my card and and now Im in debt cause of this situation and capital one said there was nothing really they can do it was this past summer in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. 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 it ASAP! 

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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IN
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 spoke with and applied for a forbearance with XXXX XXXX  on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it two times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana HAF and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana HAF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my fourth 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Here are the fraudulent 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

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 2023-05-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that is not mine, I've never had XXXX. I have a government phone, and have for three years. I sent this complaint and you made XXXX take this off my credit report because this debt is NOT mine. So, they sent it to another collection agency and they put back on my credit report.!!! They are trying to go around your order to them the first time that this debt is NOT mine. They are harassing me now, this has to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
These companies. Credit Acceptance XXXX XXXX XXXX XXXX has put me in a financial bind.on XX/XX/2021 I entered a UNIFORMED agreement with XXXX XXXX XXXX XXXX Credit Acceptance. I have multiple complaints about the deceptive acts that was done to me, by these companies. My name was digitally signed without my consent & my co signer who at the time had an above XXXX score, was switched to the Buyer and made me co-signer ( at the time had a XXXX score ) hit us with a high APR of 22.9 %. This definitely an Unauthorized transaction and these wet signature documents copys shows how they fraudulently sign XXXX XXXX name. Also this date was on a Sunday and this company hours are XXXX, me and XXXX wasnt in this dealership office signing paperwork nor on a computer in this business.That finance charge is definitely illegal. this finance charge {$13000.00} ; if interest is 22.99 % then interest should be approximately {$4300.00} of {$18000.00} each month {$110.00} should from the monthly payment of {$530.00}.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it might concern, Hope everyone is doing great! up on reviewing my credit report I noticed that few hard inquiries listed on my credit report I do not have no knowledge or any idea who they are or what company and I dont even know who they are. 
I have contacted those company few times but I was never able to speak to real person to understand who they really are. 

Please help. 

Thank you

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 2022-11-14
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX utilities 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.

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 2023-03-20
Company: Experian Information Solutions 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:
last month i took a look at my credit report and noticed that i had 2 fraudulent accounts on 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
Consumer complaint received 2023-07-31
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit repo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the account on XX/XX/2021 for a credit limit of XXXX I was using the credit to obtain XXXX. The debt was immediately charged and I have been making timely payments. I had signed up for e-statements but did not start receiving them until XXXX regardless I have always just gone on the site and made the payment. Recently as I was noticing after over a year of paying my balance was not dropping much so I pulled up a statement. On that statement, I noticed XXXX being charged for Credit protection in case something happens and I can't make the payment. I NEVER sign up for add-ons like that as I don't see the need for them. I have asked repeatedly to see when and how I signed up for it. What did I sign? I did not authorize this charge and if it was because I didn't opt out of something that is not right. Services like that are to opt in! I have been charged almost XXXX. I have canceled the service but am looking for a refund of prior charges as again I DID NOT authorize this payment. When I call the company I have been hung up numerous times and last I spoke I am to hear back from someone. I'm confident I won't.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX have evaluated my consumer credit report that you have assumed a vital role in assembling for me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality and respect for the consumers right to privacy. According to congress you are required to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of said information. It is made clear by congress that I have a right to PRIVACY as a federally protected consumer! My right to privacy has continually been violated, disregarded and disrespected which is a direct violation of the FRCA and the Gramm Leach Bailey Act. I did not consent and or authorized for you or the people mentioned below to use and or share my nonpublic personal information. No consent or authorization id IDENTITY THEFT! I XXXX XXXX demand to cease and desist. Pursuant to 15 use 1681a ( 2 ) congress makes is very clear that a consumer does not contain any transactions and or experiences. I am demanding for the following transactions and or experiences to be updated as a result of this in accordance with my written instructions. 

1. XXXX XXXX XXXXXX/XX/XXXX DELETE 2. XXXX XX/XX/XXXX DELETE 3. XXXX XXXX XXXXXX/XX/XXXX DELETE 4. XXXX XXXXXX/XX/XXXX DELETE 5. XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXXXX/XX/XXXX DELETE 7. XXXX XX/XX/XXXX DELETE 8. XXXX XXXXXXXX XX/XX/XXXX DELETE 9. XXXX XXXX XXXXXX/XX/XXXX DELETE 10. XXXX XXXXXX/XX/XXXX DELETE 11. XXXX XX/XX/XXXX XXXX 12. XXXX XXXX XX/XX/XXXX XXXX 13. XXXX XX/XX/XXXX XXXX 14. XXXX XX/XX/XXXX DELETE 15. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 16. XXXX XX/XX/XXXX DELETE 17. XXXX XX/XX/XXXX XXXX 18. XXXX XXXX XXXXXX/XX/XXXX DELETE 19. XXXX XXXX XXXXXX/XX/XXXX DELETE 20. XXXX XXXX XXXXXX/XX/XXXX DELETE Pursuant to 15 USC 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demands as set forth in the context above. This is and will be my first and final attempt to resolve this as I am prepared to litigate.

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 2022-11-14
Company: EQUIFAX, INC.
State: PA
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. 
Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX / XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : 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 instructions15 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 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 2023-03-21
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:
I have disputed a collection from XXXX XXXX XXXX XXXX in my Experian credit report because the delinquent XXXX  XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. I have submitted an email to Experian showing that my tenant has agreed to paid off the balance. I don't know if she will eventually pay it off, but this is evidence that I'm not responsible for this account. 

My credit score is lowered at no fault of my own. Experian 's dispute results stated that the collection is " Verified and Updated '', and the collection is not removed. I don't understand how Experian verified the collection because I have not signed any contract, and I should not be responsible for the actions of my tenant. Experian is blindingly taking XXXX word without requesting for hard evidence. Experian is complicit in this fraud and harassment.

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