BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: CO
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. 

Accounts : XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 section 602A which states that I have the right to privacy 15 USC 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-04-06
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: Account information incorrect

Complaint:
All the Credit Bureaus dropped My credit score by over 120 points and didnt give me a full explanation on why, after Ive settled the account that has been the problem, no thanks to anyone because this account was originally fraudulent but everyone wanted to play dispute games, and nothing got resolved, until I received the letter of settlement and i figured this was my only way out, they didnt update the account as paid or settled.NONE Of them try to explain, and now im at the point where they wont answerer for phone for me, at least anymore.Transunion, XXXX, XXXX.you guys need to fix my score to the way it was before so far I have no negative accounts, and you didnt even update none of my current accounts none of you, and on more thing transunion, I had a fraudulent inquiry and the bank said they sent you a letter so why isnt my inquiry removed? Any negative balances or whatever that you guys recorded from XXXX are now SETTLED.so check your info again and fix the problem, because this wont look good if this become a court case lbs.I have my proof, Ive done the things I needed to do, now its on your lack of urgency and negligence. To all parties involved fix it.Contact XXXX XXXX, All debts should be resolved

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 2023-05-22
Company: Professional Recovery Management
State: TN
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:
Fox collection has failed to provide proper validation of the account they are reporting to my credit report. I have asked for validation, yet they provided a billing statement. I requested PROPER validation. I asked Fox Collection to provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. Fox collection has failed to do so. Also my credit report is not 100 % accurate regarding this account. XXXX is reporting this account status is closed, while XXXX and XXXX is reporting an XXXX status. Also the date last active under XXXX shows XXXX, XXXX shows XXXX & XXXX showing XXXX. This seems as if the account has been re-aged which is a violation of the FCRA. Please assist me with this matter immediately. 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to o contact XXXX services about unauthorized transactions on my debit card.tried several times to contact banks fraudulent dept.no one picks up.this all accurred around the XXXX of XXXX while in hospital

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 2018-09-05
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
30 Day Late listed on credit report. I sent the correct documents to validate and support my claim. The account have been removed from the other two major bureaus, but Equifax has yet to address the issue, remove the account or at least the 30 day late and the balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
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, Account - XXXXXXXX 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 an account without my 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 2022-03-05
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: Their investigation did not fix an error on your report

Complaint:
Equifax has failed to delete a fraudulent account that was listed twice on my credit report they never provided me with proof of to verify the account I have sent in numerous complaints with the company trying to resolve the issue I still have my receipts of the certified letters they refuse to properly updated my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 I received a notice that I needed to make a minimum payment on a Gap card I never opened. 3 weeks ago I had been in store using my new XXXX card to make a purchase and the associate said she couldnt find the card in the system. I called XXXX to verify my card was working and was told it was, so the associate took my information to manually look it up in the system. To my knowledge, it went through as I paid and left with my items. However, after calling Gap to question why there was a card open, it appears the associate just opened me a store card without telling me what she was actually doing. XXXX is affiliated with Gap so I should have had no trouble using my card and dont understand why this happened. I called Gap and they said I am responsible for the Gap card now even though it was opened under false pretenses.

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 2022-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been a customer of Wells Fargo Banking for more than 30 years. At least for the past 10 + years, they have engaged in systemic fraud related to OVERDRAFT and how and when they choose to pay incoming debits. Basically, THEY HOLD BACK INCOMING FUNDS - KEEP THE BALANCE LOW - AND WHEN A CHARGE COMES IN - THEY WILL PAY THE SMALL DEBIT ( only the smalls ones ) THEN CHARGE AN OVERDRAFT THEN ALLOW THE INCOMING MONEY INTO THE ACCOUNT, CAUSING A NEGATIVE BALANCE OFTEN TIMES. 

In essence, THEY INTENTIONALLY STAGE OVERDRAFTS TO COLLECT FEES. 

They only pay small debits and not anything near the {$35.00} they charge as overdraft. THESE DEBITS ARE STAGED AS WELL TO GENERATE THE FRAUDLUENT OVERDRAFT FEES. 

Recently, they took away their email customer service feature and you now have to call to dispute. THEY INTENTIONALLY DROP YOUR CALLS OR PLACE YOU ON AN INDEFINITE WAIT HOLD so as not to address the problems. Only after numerous calls, threats of complaints and threats to close my accounts, they finally remove SOME FRAUDULENT OVERDRAFT FEES. 

Because they've engaged in this for many years, I no longer keep more than {$100.00} in that account. They charge the $ XXXX monthly fees and when I use the card, they intentionally hold back incoming funds and debits to generate manufactured overdrafts to collect the multiple {$35.00} fees. 

I will give you account access upon request. 

Accounts : XXXX XXXX XXXX XXXX ( checking )

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 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries XXXX5 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 2023-02-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
n accordance with the Fair Credit Reporting act 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

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 2022-10-18
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS ACCOUNT FROM XXXX WAS XXXX ON XXXX XXXXXX/XX/XXXX TO THE COLLECTION AGENCY XXXX XXXX XXXX, NOW FRONTLINE ASSET STRAGETIES IS REQUESTING PAYMENT ON XXXX XXXX THE RECEIVED FROM TO VALIDATE THIS DEBT AS TODAY XXXX THEY NEVER RESPONSE WITH THE DOCUMENTS THAT PROVE I OWED THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
Goodwill Request for Correction of Inaccurate Information on Credit Report I hope this letter finds you in good health. I am writing to request your assistance in correcting inaccurate information on my credit report. The entries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of maintaining accurate credit reports, and I greatly value your help in ensuring the integrity of my financial record. 

I believe that these entries have been incorrectly associated with my credit history. As such, I kindly request that you review and correct these inaccuracies promptly. I have attached legal documentation to substantiate my full and accurate name : Maintaining an accurate credit report is crucial to my financial well-being, and I am hopeful that you will assist me in this matter. I greatly appreciate your immediate attention. 

Thank you for your understanding and cooperation. 

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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX a car company advertised delivery of a car on a certain XXXX XX/XX/XXXX but did not deliver until XX/XX/XXXX XXXX i received a very threatening email regarding amount od down payment which they told me XXXX then said I owed another XXXX I paid the amount when I said I no longer wanted the car I was threatened with sending car to auction and I would be responsible for amount left over. Over the time of car note i have been called day and night and at several times after XXXX XXXX and I had to ask for my contract which showed and diffrent amount owed added on extra interest plus added to my credit score

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 2023-01-05
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 information incorrect

Complaint:
XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. Transunion has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX  rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: IN
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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - 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

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