BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: National Credit Systems,Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I received a debt collection notice from National Credit Systems ( NCS ) in XXXX, GA. I contacted them explaining that this was not a debt I incurred and is probably identity theft. They instructed me to contact the company that issued the debt. I spoke with the XXXX XXXX XXXX Apartments Assistant Manager who helped me understand what was going on. She believes it was identity theft as well, and said she would contact her person with NCS. She said they would get in touch with me. She sent an email to a XXXX XXXX XXXX with the company on XX/XX/XXXX. 

I would continue to not receive any correspondence from the company between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, a voicemail was left from an Idaho town of XXXX residents. This call would be from XXXX from XXXX. I called them to discuss the debt and they informed me they spoof their numbers because " nobody picks up XXXX numbers ''. I had received another debt collection notice from XXXX on XX/XX/XXXX and left a voicemail with a mister XXXX XXXX who was on the collection notice. 

I am writing this complaint because I had been called XXXX times from this debt collection agency using a spoofed number in the month of XXXX. No voicemail was left identifying themself as an attempt to discuss the debt I have fraudulently been assigned until XX/XX/XXXX. They have then moved to place a collections notice on XX/XX/XXXX on my credit file while I have repeatedly claimed that the debt was incurred under fraud. They had never informed me of my rights to dispute the debt even when I repeatedly claimed identity theft both in writing and over the phone. The collection letters do not disclose I have a right to dispute the debt. They officially instructed me on what I must do to dispute the debt on XX/XX/XXXX when they left the voicemail. 

Between not informing me of my rights, using a spoofed phone number to contact me, and not taking my claims of identity theft seriously, I am writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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:
The following credit inquiry listed on my Experian credit report is fraudulent and not my credit inquiry : XXXX XXXX, XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
The accounts, addresses, and inquiries was open without my permission. I have contacted XXXX XXXX and transunion about this fraud issue but not resolved despite my federal trade commission affidavit and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-24
Company: EQUIFAX, INC.
State: NC
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:
Called and disputed these inquiries online on my XXXX credit report several times. I have had success getting these removed from my other credit reporting agencies but for some reason XXXX will not work with me at all I dont know what else to do at this point this is hurting me and my credit. These are the inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/22, and XXXX XXXX. I did not authorize or approve these in at or have any use for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I notified Capital One Bank USA NA twice by certified mail return receipt with a Notary presentation included in regard to my consumer right to opt out of my transactions ( late payments ) being reported to consumer reporting agencies as stated by 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) ; the reporting of transactions and experiences. Capital One Bank USA NA never replied and continue to report my transactions during the dispute. They never gave me my disclosures as stated in 15 USC 6802 ( b ). 

Capital One Bank USA NA also falsely stated on my consumer reports that my dispute was resolved, and they never notified or addressed me about the substance of my dispute.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 is missing that should be on the report

Complaint:
XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX has been reporting misleading, inaccurate, inconsistent and unverifiable information on my Equifax credit report. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners Equifax credit report as well. 

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. Equifax continues to report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that XXXX is reporting are different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. XXXX as well as Equifax seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. XXXX is using abusive, deceptive and unfair debt collection practices. 

I have contacted XXXX and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that Equifax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, Equifax and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies have fraudulently and unauthorized inquiries placed on my credit report that. I did not authorize anyone employed by these companies to make any inquiry and view my credit my credit report. This is a direct violation of the Fair credit Reporting Act Section 1681 b ( c ) and a seriuos breach of my privacy rights. 

XXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/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 2022-08-22
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 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 2022-06-27
Company: Continental Finance Company, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2022 I made XXXX payments of XXXX and XXXX. I was only due an amount of {$35.00}. Later that same day all of my credit cards were stolen by a student. I call all the companies to have the accounts closed and be issued new cards. XXXX told me I needed to send in proof of new address in order to receive the new card. I have since sent in the information 3 times and have yet to receive my card. I called in early XXXX to inquire about making my XXXX payment towards my account and was told by the representative to hold off until I receive the new card. On XX/XX/XXXX I received notice from the credit bureaus that my score had dropped XXXX points for a late payment. I called and spoke to another rep and he told me he could see on the screen where the other rep told me to withhold payment and we disputed the charge only to be neglected. Neglected because i was never told that the XXXX payments of {$190.00} were returned back in XXXX. Returned because they waited over a week to seek the payment. Ok I tried my best to get them to retract the 30 days late to no avail. I make a payment of {$70.00} to cover XXXX 's missed payment and my XXXX payment. So now its XXXX and it says no payment due. I have screen shots. So im trying yo get my credit score in order so I pay {$55.00} on XX/XX/XXXX which brings my account under XXXX XXXX. I receive notice today from XXXX XXXX that my score decreased. Its from XXXX. The payment in the XXXX was counted as XXXX days late even though my account says no payment due. I thought payments had to be past 30 days to be reported. I called 2 times today. One told me she couldnt hear. The second gave a bunch of information that made nothing clearer and the 3rd hung up on me. Im now XXXX points down on my credit score and would like for the company to fo the right thing and correct 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 2023-08-25
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 came to find out after checking my credit report that there have been fraudulent accounts opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. 

There are accounts which are UNAUTHORIZED and were not opened by me! 

The following accounts MUST be removed from my credit report as they are fraudulent and incorrect : XXXX XXXX XXXX, XXXX {$450.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX, XXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} SOS XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX XXXX XXXXXX/XX/XXXX {$320.00} XXXX XXXX XXXXXX/XX/XXXX {$490.00} XXXX XXXXXXXX XX/XX/XXXX {$4600.00} XXXX XXXX XXXXXX/XX/XXXX {$640.00} XXXX XXXXXXXX XX/XX/XXXX {$410.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XX/XX/XXXX {$470.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXXXXXX XX/XX/XXXX {$400.00} XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00}

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 2022-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I received an alert on my credit monitoring stating that Capital One had place a Hard Inquiry on my credit report. I had NOT applied for a credit card. I place a Fraud Alert on my credit report. A couple of days later, Capital One called me and said that someone had submitted a credit card application in my name. I told them it was not me, that it was fraudulent. ( I assume the application would have been approved if not for the fraud alert. ) The customer representative told me the application would be destroyed and that Capital One would remove the Hard Inquiry from my credit reports. They did not! I attempted to have XXXX remove the Hard Inquiry, but they can not. XXXX said I have to contact Capital One. 
On XX/XX/2022, I called Capitol One. The customer representative told me to submit a letter with the details of my request, a copy of the Hard Inquiry on my report and they would remove the Hard Inquiry. I did exactly as she suggested but Capital One did not follow through on the promise. I instead received a form letter implying that the inquiry was a prescreen ( not true ) and how to opt out. I called Capital One again and the customer representative told me to contact the credit bureaus. ( which I had already done ). 
I mailed a second request to Capital One on XX/XX/2022, with my complaints and documentation. Today, XX/XX/2022, I received the identical form letter, with a new case number. 
I am totally frustrated! The Hard Inquiry remains on my credit reports with all 3 bureaus, with a notation that I applied for credit, which I did not. Capital One, apparently could care less, it is obvious they do not even read the letters, I have 2 form responses with 2 different case numbers! The credit bureaus can not remove the Hard Inquiry, since it was Capital One 's error that place the Inquiry on my report.

I my opinion, it is not right that this Inquiry should remain on my report and that Capital One does nothing to address my concerns and correct Capital One 's error. 
To my understanding, The Fair Credit Reporting Act requires Capital One to report accurately and conduct reasonable investigations of disputes. 
I would appreciate any help you can provide with this dispute. If my complaint is not appropriate here, then an alternative would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Creditor were created to ruin the consumers LIFE and get paid. 

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XXXX XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Accounts on my report I do not recognize

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