BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
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 Reporting Act XXXX XXXXXXXX account number XXXX XXXX XXXXXXXX account number 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 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 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 2022-06-17
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Following up to Complaint XXXX I submitted a complaint on XX/XX/2022 on CFPB to Goldman Sachs Bank .

I explained my situation as I am a victim of Identify Theft. I had requested that Goldman Sachs Bank provide me with the original loan application with wet signature so I can provide to law enforcement. Goldman Sachs failed to provide me with the original loan application as there was no hard application. Goldman Sachs narrated how the loan was taken out in my name as an online application. Goldman Sachs explained that they verified my information toward what was on their system but did not provide me with the information on their system that was used to apply for the fraudulent loan. 
Again this trade line was open fraudulently due to ID Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please find my correspondence attached. Transunion is violating law.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-07-01
Company: EQUIFAX, INC.
State: NC
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 apart of the XXXX Equifax Data Breach I have been contacting this company since XXXX I requested my credit report from XXXX where I noticed several fraudulent credit accounts on my credit report in other names that are not associated with me. I have contacted Equifax via email and online and via telephone with know complete response from them. As a result of the XXXX data breach Equifax has I have spent hours on end attempting to get these credit accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2018-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
CAPITAL ONE BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. XXXX TransUnion, Experian, and Equifax XXXX This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX  XXXX # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX, XXXX, and XXXX ) This account says that it was XXXX  in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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:
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 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 non-monetary relief
Consumer complaint received 2022-12-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX am, I received a text message from what I thought was Chase Bank asking about a purchase at XXXX for {$440.00}. I pressed " no '' and received a call from a woman claiming to be from Chase, asking about the same purchase.

To continue working with the supposed Chase representative, I was sent a link to login and verify my account. I assume this is how the fraudster had access to make transfers and see my transaction data. 

I told the woman I did not make the purchase and she sent me a code to authenticate the call. The call was dropped due to poor cell service. 

I agreed with the woman to continue the call in a half hour, after I was in a better area for cell service. 

After dropping my son off at school, I received another call from the woman, who began to review my account transactions with me. We noticed an unauthorized {$100000.00} transfer from my savings to my checking account. 

The woman asked me to validate my account by texting them a number. I assume this was the wire transfer verification number. 

The woman reassured me that she was working to stop the transfer. We received a text from Chase saying the money was being transferred back to my savings account. 

The woman instructed me and my wife to go to our bank. We arrived at the bank ( which had not yet opened ) and were still on the phone with the woman. 

When the bank opened, my wife and I spoke with a bank manager, XXXX XXXX, and handed her our phone so she could verify the identity of the woman on the call. XXXX asked the woman for additional verification numbers, but the woman refused to provide them. XXXX determined that the call was not from Chase and hung up. 

At XXXX XXXX, my wife and I were at Chase bank complaining about the fraud. The wire had not yet gone through. We filed a fraud claim with Chase and were told that our accounts had been frozen. 

At XXXX XXXX, the wire went through, despite XXXX having put a hold on our online account. 

My wife and I went to XXXX XXXX XXXX and tried to put a hold on the fraudulent wire, but were told to file a fraud claim with Chase. We called XXXX XXXX XXXX XXXX XXXX department and were told they were able to put a hold on the wire. XXXX XXXX XXXX told us that the money was frozen and that we needed to work with Chase 's fraud department to get it back. 

We then provided XXXX with the XXXX XXXX XXXX email for fraud communication to ensure that the funds were not released. 

By Monday morning, however, we went into Chase and found that the funds were released. 

We then filed a report with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-02-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with JP Morgan Chase bank on approximately XX/XX/2020. I currently have Several other cards with them ( credit score ~XXXX ). They claim I did not pass Identity verification based on questions from my credit report. The questions asked did not apply to me and I was denied. After denial I asked which credit bureau they used which ofviously had erroneous information about me so I can get it corrected. They refused to tell me. The customer service person would only suggest for me to reapply. If they use this same bureau there is a high probability I would be denied again. If I knew which credit bureau hopefully I could get it corrected. This would save us both time. 
All I need is the name of the particular credit bureau they used. 

I find it very ironic they can not identify me since I have servral other cards with them and I log into my account to apply. They already had all my personal information and everything remaind the same except I am retired now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 account is fraud. I applied for a secured credit card, NOT a loan application, and that was before acquisition by this organization. My report was falsely attacked and this fraud was put on there when I never authorized such account, it needs to be removed immediately and my report needs to be corrected. It is completely fraudulent and I never authorized such a thing, I initially tried to create a secured credit card, which would be paid in installments over time to create credit line, but they denied me, and then did this fraud upon me. 

I do not want business with these criminals and this needs to be removed from my credit immediately as it is a childish attempt at mocking what they want to be serious extortion.

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 2021-07-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018 I ended my contract with XXXX after 5 years, I canceled it on the contract end date according to the representative. I canceled it and went into a XXXX store and worked with a customer service representative for XXXX who Took my phones and equipment on the account, I paid for one phone I wanted to keep for our daughter. I paid the account in full at the store with a check ran as a direct ACH debit at the register. The account was then canceled and I left. Only to later receive a bill for {$190.00} from XXXX. Which has now been sent to collections and reported to the credit bureau negatively and inaccurately by Convergent Outsourcing INC . I have sent proof to both companies, this account was paid in full on the cancelation date. 
This account was paid in full and canceled at the XXXX store with a representative who said it was now closed and no further charges would be assessed. I also called customer service to verify this and was told it was closed and PAID IN FULL. Theres not much more you can do to close an account and avoid further charges. This is unfair, and inaccurate and causing my score to drop severely with XXXX. I have disputed this with the credit bureaus with proof of payment in full on the memo of the check paid as an ACH at the register at the store, so I had proof of payment. I do not owe this debt to XXXX which sold it to C.O.I. who is also repeatedly violating My FDCRA by changing the assigned date of this account. It is only being reported to XXXX  now.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am writing to dispute multiple inquiries and an account on my TransUnion credit report that I believe to be fraudulent. These inquiries and the account have had a detrimental impact on my credit profile, and I am requesting a thorough investigation and prompt removal of these inaccuracies from my credit report. 
The details of the disputed inquiries and account are as follows : XXXX. XXXX by XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX XXXX. Account with XXXX  XXXX  ( Account Number : XXXX ) I have no recollection of authorizing or applying for credit with XXXX  XXXX XXXX, XXXX XXXX XXXX, or XXXX  XXXX  on the specified dates. These inquiries and the XXXX  XXXX  account do not correspond to any legitimate credit applications or accounts initiated by me, and I have not entered into any credit relationships with these institutions during the indicated time frames. 

Given the fraudulent nature of these inquiries and the questionable account, I am deeply concerned about potential identity theft or unauthorized activity on my credit report. I have taken immediate measures to safeguard my personal information and have initiated a credit freeze with the major credit bureaus to prevent further unauthorized access. 

I kindly request a comprehensive investigation into these inquiries and the XXXX  XXXX  account to determine their validity. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries and the account on my TransUnion credit report. 

Furthermore, I urge TransUnion to take the necessary steps to expeditiously remove these fraudulent inquiries and the XXXX  XXXX  account from my credit report, as they are adversely affecting my creditworthiness and financial standing. It is essential to uphold the principles of the Fair Credit Reporting Act ( FCRA ), which mandate accurate and fair reporting, and these discrepancies do not align with those standards. 

I kindly request that you keep me informed of the results of your investigation and any actions taken to address this dispute. If additional information or documentation is required from my end, please do not hesitate to reach out to me at 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 2018-12-30
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I discovered a recurring monthly charge on my credit card for Experian on XX/XX/2018, and again on XX/XX/2018. I did not authorize this charge and have no information regarding it. I have tried to contact Experian to dispute/cancel the charge and I am unable to contact a live body. When I enter the requested information, the automated system says it does not recognize me and hangs up. I have checked all options on the website and get directed back to the same phone number. My credit card company is disputing the charges on my behalf, but the only way I am able to cancel the recurring charge is to have a new credit card issued with a different number which I now have to contact all of my other vendors. This is extremely frustrating and wrong. I want to do what I can on my end to ensure that Experian offers the ability for someone to talk to a customer service representative about issues.

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 2023-08-30
Company: Experian Information Solutions 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:
The FCRA, as you are aware, is designed to protect the rights and privacy of consumers like myself. One of the fundamental provisions, outlined in 15 USC 1681 Section 602, guarantees my right to privacy. In accordance with this provision, I firmly believe that my financial information should be treated with the utmost confidentiality and accuracy.

Moreover, I draw your attention to 15 USC 1681 Section 604 ( a ) ( 2 ), which emphasizes that a consumer reporting agency can not furnish information related to any account without obtaining my written instructions. It is imperative that the accuracy and integrity of the information shared with creditors and lenders are maintained at all times, aligning with the principles of this provision.

Additionally, I would like to highlight the significance of 15 USC 1666b, which underscores that a creditor is not authorized to classify a payment on a credit card account, governed by an open end consumer credit plan, as late for any purpose without proper cause. This provision seeks to ensure fairness and transparency in the treatment of credit card payments, a vital aspect of maintaining an accurate credit history.

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