BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple accounts open in my name without my permission or authorization, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over 25 inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your 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 2022-10-05
Company: Experian Information Solutions Inc.
State: NY
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 : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, U.S DEPARTMENT OF EDUCATION # 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 ; Ive had this card for business purchases for over 20 years, Im self employed. CapitolOne randomly closed my account without any notice. I called them when I was declined on an auto debit, which is how I found out it was closed. I spoke to XXXX people including a supervisor. Both said they have nothing in the system as to why but I would get a letter in the mail in XXXX business days. This was 19 days ago and no letter yet. Closing a long time credit card impacts my score. I feel they closed my account since they arent making money on me since I pay in full before the 30 days. I earned points so I was an expense to them. However to just randomly close my card, without notice, when I have many auto debits that come out really messed me up! I ended up going to my Credit Union and opened another card which came pretty quickly. I dont want to se this happen to anyone else so Im reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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 AM IN DIRECT VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO 15 US 1681 INACCURATE ITEMS SHOULD BE REMOVED FROM MY CREDIT FILE RIGHT AWAY AND XXXX, EQUIFAX AND XXXX HAS VIOLATED THOSE RIGHT. I AM RREQUESTING ALL OF THESE ITEMS IN MY AFFIDAVIT BE REMOVED WITHIN 15 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
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 recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX XXXX XXXX and equifax. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
See attached. I am confused about the reporting of this closed account? Says its open and delinquent 60 days??? How is that possible, when XXXX is reporting as closed and no late payments?? You are INACCURATELY REPORTING and it is hurting me right now. It is preventing me from purchasing a home. 

Correct this or remove this account off of my report completely, immediately. 

If you can not accurately report then I do not give permission for this account to be on my credit profile. 15 usc 1681 ( b ) ( 2 ).

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 2022-11-27
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
A dispute was entered with Equifax XXXX on XX/XX/2022. The account still hasn't been updated. It has been more than 30 days. I demand a removal of the account for being unable to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
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 2023-06-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX CAPITAL ONE Bank XXXX XXXX XX/XX/2022 XXXX I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE XXXX OR VERIFY ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After having XXXX XXXX go XXXX a major diasaster XXXX XXXX, the bank is offering a moratory of 3 months and then we have to pay the 3 months in XXXX XXXX or go XXXX a loss mitigation process that does not aliviate our diaster process. Some of XXXX have also lost our jobs or have to start from scratch and the bank does not offer a process in order to move these payments to the end of our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX XXXX XXXX : {$210.00} Due to the inaccurate information this account posts on my credit file, it has been contested. How many times do I need to mention that the payment history on this account is false? I never missed a payment when using this account. My own payment records have been kept, and what they display differs from what I have. Please update the payment history for this account by deleting the late payments from the payment records. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$450.00} In my credit report, this charge-off account is showing an incorrect balance. Why does this account continue to show with {$450.00} as balance although this account was previously a charge off? Charge off accounts should always report balance as XXXX. I've been attempting to update this inaccurate information, but you have not taken any action. I need this account to be deleted as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} I don't recall ever having a customer account with this business. Despite my repeated requests, you have not supplied me any copies of your ownership documentation. Once more, kindly provide me copies of any documents with my signature on them attesting to my ownership of this account or serving as proof of verification. If such documentation are not forthcoming, the account should be immediately closed. 

XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 I think that may be a violation of the Fair Credit Reporting Act, so please examine the docket number and kind of public record. Because it violates the Fair Credit Reporting Act, kindly erase this public record. 

XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019 I want you to check the docket number and the category of public record because I believe it violates the Fair Credit Reporting Act. Due to a Fair Credit Reporting Act violation, kindly erase this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: PA
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 and 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 2022-11-28
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance 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 ( Account # XXXX ), XXXX XXXX Bank ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Account # 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 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 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 2023-01-09
Company: SYNCHRONY FINANCIAL
State: MI
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: Didn't receive services that were advertised

Complaint:
These inquiries are made by companies with whom you have applied for a loan or credit in the past XXXX years. Learn More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB/PAYPAL XX/XX/XXXX SYNCB XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX All of these inquiries are on my credit report, and I NEVER made any of them. 
I have no acknowledge of these items. I did do a credit freeze and experian did remove them. 

I ONLY opened : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

I have no idea what the rest is, this is fraud and i would like this removed off of 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 2023-06-17
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: Account information incorrect

Complaint:
The account is not mine. Separate from that, the account number doesn't match. It's likely due to all of them being fraudulent and I'd like them removed please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your help I Disputed this account and this is what they sent back. 
This Creditor did not Respond with the Information I Request in my letter.

I asked for Debt VALIDATION with my name their name and my signature to the debt with them Professional debt meditation, inc. not a Request For Verification or proof of mailing address. 
I need a document with their name, my name and my Signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TX
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX 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 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX 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 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023

Company response to consumer: Closed with explanation