BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX. XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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  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 2023-06-29
Company: Experian Information Solutions Inc.
State: FL
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:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2022-11-22
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS MARISOLFED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2023-09-29
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: FIRST ADVANTAGE CORPORATION
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had disputed some stuff on my background. Check through advantage background and I wonder dispute and they changed the information so I wouldn't be rejected from jobs. Will I apply for another job in the situation that I had disputed? It show back up on my background. Check through the advantage background check caused me to lose opportunity to be hired at a job. Then when I called XXXX and equal facts and gave them my information, it says that I have a student loan now mortgage loan now and I have some type of credit cards that I've never had a student loan. I've never had a mortgage loan, and I've never took any loans out there with any bank or credit cards. And they have my address wrong and my telephone wrong which I have updated that I think I've sent a letter in about that. And they still haven't updated my information on experience equal facts and XXXX. And there's information on those critic. That credit account showing that I have a car. I mean, not a car loan now. But mortgage is still loan in my name. Up under my social security number. And they won't answer the phone they hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX  I sent a factual dispute to all 3 consumer bureaus XXXX XXXX XXXXXXXX is reporting date last active is XXXX Equifax is reporting date last active is XXXX transunion is reporting date last active is XXXXXXXX  this is inaccurate reporting which is violation to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2023, I tried to close my bank account with a balance of just over {$10000.00} at BMO Harris Bank. I was informed that a cashier 's check was delivered to my residential address. In early XXXX, I followed up because I never received the check. I was informed to go to a local retailer so that BMO Harris Bank could verify my identity and reissue a check. From XXXX to XXXX, I made 4 trips to the local bank in XXXX XXXX. I signed and notarized consent to reissue the check. I was told that it would take the bank 90 days to confirm the cashier check was lot and that a new check would be issued after XX/XX/XXXX. I went to the local bank again and was told that BMO Harris would need issue this from their accounting backoffice. I called in early XXXX to inquire and was told that a new cashier 's check would be issued within 7- 10 business days. On XX/XX/XXXX, I further inquired and was told that the check was not processed. They then informed me again that it would take another 7-10 business days before a cashier check would be issued. I asked to speak to a Case Specialist and was assigned to XXXX. I was originally assigned to an analyst named XXXX. But no case reference number was provided. I was only told that I would get a followup call in 3 business days.

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 2023-07-13
Company: EQUIFAX, INC.
State: CA
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 have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX has refused to do this. The followings are the fraudulent account : XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Rozlin Financial Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Department : I have spoken with a representative of XXXX XXXX XXXX about my not being person having made the charge. They asked for the last 4 digits of my social and said it corresponded with the information they had and that my mailing address was also correct. I told them I was XXXX XXXX XXXX and have owned my furniture for years and knew nothing about XXXX XXXX nor had I ever leased furniture in my life. 

They said obviously they had the correct information and were going to mail the additional information to confirm the charge. I have not received that information yet because I just found out about this charge and talked to them for the first time today. 

I have sent a copy of this Identity Theft Report to XXXX the collection agency trying to collect {$5800.00}, for the fraudulent charge from the leasing company XXXX XXXX XXXX made on XX/XX/2022. 

I called Federal Trade Commission, report number : # XXXX, to report the fraudulent charge and they issued an identity theft report which I am attaching. I have requested my credit reports from all three agencies but as of now and will receive them in about 2 weeks. I have no other issues with my credit cards or suspicious activity or charges on my bank accounts. 

Sincerely, 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 explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed a copy of my credit report. There are multiple accounts on my report that I don't recognize. I did not open these accounts. I have not used these accounts. These accounts should not be on my report. 

XXXX : XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$720.00}. 
XXXX. XXXX XXXX XXXX XXXX # XXXX, date opened XX/XX/XXXX, amount of {$220.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$620.00}. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, date opened XX/XX/XXXX, amount of {$340.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$200.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, date opened XX/XX/XXXX, amount of {$120.00}. 
XXXX. XXXX XXXX XXXX XXXX  XXXX, date opened XX/XX/XXXX, amount of {$610.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, amount of {$640.00}.

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 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Teletrak, Please send me a copy of my consumer report - my drivers license, social security card, current address, and request form are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Capital One back in the first of XXXX to notify them of financial hardship as well as to explain that one of my bank accounts that primarily paid this monthly payment was compromised but I made a manual payment. When I was reviewing my credit report on XX/XX/2023 I noticed I received a " late '' or default payment mark on my credit report. I contacted the company to see how I could dispute this remark and was transferred and spoke to a representative in the Fraud Account Team by the name of XXXX. XXXX advised that the accounts were actually closed ( I had no knowledge of this because my credit file had this account reflected as open ). I advised that I was not notified of the closure and advised that the accounts were being inaccurately reported as open, this is against the law. XXXX stated a letter was dated XX/XX/XXXX and read me the details. I advised that I did not receive the letter and wanted the late remarks removed and completely deleted from all three credit bureaus due to the false reporting. This company should not have reported a closed account as open for almost XXXX months, they were negligent in not reporting accurately. I received a notification on XX/XX/2023 via credit monitoring that the account has been updated as closed but the damage has already been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I went to open an account they told me an account was open in my name previously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: WI
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:
Equifax is reporting as of XX/XX/2022 I am in default and past due which is NOT accurate at all. My loans with my servicer are PERFECT. Equifax is the only credit bureau making this mistake and I need help ASAP. I have tried to reach someone at their office and I can't even get anyone on the phone. Please help

Company response to consumer: Closed with explanation