BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: LEXISNEXIS
State: FL
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:
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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated XXXX5 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX Balance {$5300.00}.

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 2018-08-15
Company: Experian Information Solutions 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:
Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, XXXX, and know Experian.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX  XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.

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 2020-12-14
Company: EQUIFAX, INC.
State: CA
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:
there was letter dated Month of XX/XX/XXXX to XXXX XXXX requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from XXXX with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the XXXX XXXX asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent XXXX XXXX  on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that XXXX XXXX have took to ad the negative information on my credit according to fora law how ever XXXX was not success full to remove the information the respond was over 30 days from XXXX the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the XXXX XXXX failed to resolve this issue again the XXXX giving the sad excuses to not remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 : XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I need this item removed from my credit report immediately or further legal action will be taken.

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 2021-06-17
Company: FISERV INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received three letters today, XX/XX/2021 from TRS RecoveryServices stating I owe money to XXXX and XXXX XXXX. I received a set of second notices on XX/XX/2021. I called my bank immediately after receiving the first notices because I thought it was a scam. I don't have credit cards with either of these services. I looked up each charge in my bank account and couldn't find any records of them. I am also currently an employee of XXXX XXXX ( a bookkeeper ). My bank researched one of the charges and couldn't find it in my bank record. After telling them about the notices, my bank advised me to ignore them and get a copy of my credit report. 

I called each companies credit service phone number and looked to see if there were accounts with my Social Security number and the result was zero! I have no credit accounts with either of them under my Social Security number. 

I am wondering if this is a case of identity theft or a clerical error. I certainly want an explanation as to why TRS is coming after me. I looked them up and checked the address on the notices on XXXX. Seems they're legit. Honestly, I am afraid to dispute the charges with them because they want me to report my Social Security number and bank account number on a form. Seems they're setting up a trap for me that will cause me a lot more grief than I'm already getting.

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 2023-03-21
Company: STATE EMPLOYEES CREDIT UNION
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: Account information incorrect

Complaint:
In a response letter from XXXX on XX/XX/2023 from my compliant filed on XX/XX/2023, they mentioned that " we confirmed your charge off accounts are not reporting to XXXX '' when in fact they are reporting to all 3 credit bureaus : XXXX, XXXX, and XXXX. Initially, the charge off accounts were only reporting on XXXX. 

So are they incorrectly reporting to XXXX and XXXX? Should these charge off accounts be only reporting accurately on XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CITIBANK, N.A.
State: NY
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: Problem with personal statement of dispute

Complaint:
I had forgotten I had purchased a small item at Best Buy on XX/XX/18 ( thought I had purchased at XXXX where I had purchased other of same product ). I had not purchased anything from BB in a long time and was not receiving paper or paperless statements. ( *I 'd previously purchased major appliances and never had an issue. ) In XXXX I received notice of late payments and IMMEDIATELY paid for all late fees, interest, etc. on XX/XX/18. I have never been late for any payment to any creditor. When I spoke to them in XXXX, they said they would contact the credit bureaus to forgive the lateness since a technical issue. This still has not been remedied and have disputed multiple times. When I called again today, they said there is a federal law that prohibits them from correcting or forgiving lateness, even with my excellent history with them. I have gotten quite the turnaround and am hoping you can help rid these from my credit report. Please let me know what other information you need to assist you in helping rectify this. 
I am attaching a photo of a letter that sounds like they fixed it and in fact did not. 
Thank you 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 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Louisiana Child Support Office is reporting {$27000.00} to my credit report as delinquent ; however, I, nor the custodial parent are residents of the State of Louisiana any longer. We both moved to Texas and completed our case with OAG Child Support Enforcement, which is also reporting to my credit report for {$22000.00}. As you can imagine, this is negatively affecting my scores to have almost $ XXXX reporting to my credit. 

I began inquiring about the reported XXXX XXXX XXXX ' deliquency back in XXXX of this year and was advised to contact them directly. I have made several attempts to contact them every month with the most recent communication being a phone call with XXXX XXXX at approximately XXXX on the morning of XX/XX/XXXX. She stated no one contacted them from Texas updating them concerning the new case filing to clear them to remove it. I contacted my case worker here in TX requesting they provide the necessary info to clear this from my report, yet, to date, this issue is still ongoing.

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 2022-12-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I reported fraud on my account after charges I did not recognize were made. These appeared as XXXX different transactions from " chewy.com '' I have never made purchases from chewy.com. The representative over the phone, told me that there was nothing else I needed to do. The charges were removed from my account, the card closed and a new card issued. 

On XX/XX/2022 these charges re-appeared on my statement as a " balance transfer '' with no notice from the company. I had no idea what these charges were as all the fraudulent charges were lumped together in the amount of {$380.00}. I had to call the company to find out what this charge was as I have never initiated a balance transfer on my account before. 

When I called they said these charges were never reported as fraud. The representative said they submitted the fraud claim and it would be under investigation. These charges were removed from my account again as XXXX separate charges on XX/XX/XXXX in the following amounts. 

{$94.00} {$63.00} {$55.00} {$55.00} {$40.00} {$36.00} {$34.00} {$2.00} On XX/XX/2022 these charges had again, appeared on my statement as a " balance transfer '' lump sum {$380.00}. Again, no notice or explanation. 
These charges were removed after I called on XX/XX/2022 as the XXXX separate transactions. 

On XX/XX/2022 the {$63.00} fraud reported charge reappeared on my account. The explanation I got over the phone was that this was charged again due to it being accidentally " subtracted twice. '' I don't see this anywhere on my statements. 

The rest of the charges re-appear as a bunch of different " balance transfer '' transactions on XX/XX/XXXX. 
{$2.00} {$4.00} {$4.00} {$5.00} {$5.00} {$5.00} {$29.00} {$31.00} {$35.00} {$50.00} {$50.00} {$94.00} When I called again about this on XX/XX/2022. I was told that the results of the investigation had been completed back on XX/XX/XXXX. I did not receive any physical or electronic mail regarding this. The explanation over the phone did not make sense to me. It seems I am somehow, still liable for these charges I didn't make.

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 2023-04-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was attempting to get a pre-approval quote from Chase because on the website it stated I can run a pre-approval without doing a hard inquiry credit pull. After doing the process they sent me a loan approval for {$28000.00} at a 7.09 % APR for 72 months. This occurred on XX/XX/23 I checked my credit score and they did in fact run a hard inquiry on me. I gave no authorization for a hard inquiry pull and I never even used the loan for a vehicle. I called Chase Customer service several times and talked to several people and no one was able to give me a solid answer. One said since i did it online there is nothing they can do. Even though i advised it was only a pre-approval process not for an actual loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Medical Business Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need help i have contacted everyone possible from the credit reporting agencies to This company MEDICAL BUSINESS BUREA that say i owe a debt from someone named XXXX XXXX XXXX which is a violation on so many different levels. 1 I asked them to verify the date to me more than 30 days ago and i've heard or received nothing from them. 2. The violated the Fair Debt Collections Act 1692g since they have never even contacted me once and gave e a chance to dispute the information. They just put it on my credit report causing me stress and damaging my character. If they don't stop reporting this false information i will be forced to litigate for the Civil liabilities section 15 united states code 1692k. Everyone is ignoring my requests they are giving me now choice. They also have violated 15 usc 1681 ( i ), 15 usc 1681a ( 1 ) and 1681 ( a ) ( 4 ) just a bunch of violations that i can use if this stuff is not fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My husband and I had a loan from Wells Fargo bank sometime around XX/XX/XXXX to XX/XX/XXXX. I never missed a payment and I was never late with a payment. I paid it in full and had a XXXX  balance. I moved from XXXX to XXXX in XX/XX/XXXX and decided to close the loan. Wells Fargo charged me {$160.00}. They refused to close the loan unless I paid that amount. I paid the {$160.00} because I didn't want anything to do with that bank. I don't believe that was legal but I don't know for sure. I had never heard of having to pay a price to close an account. I no longer have the paperwork involved in that transaction but I am submitting this complaint because I want it on the record. I feel I have been ripped off by those cons.

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 2023-03-04
Company: EQUIFAX, INC.
State: MI
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 further Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BARCLAYS BANK DELAWARE
State: CA
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 was aproved for Barclay card few years ago and my new card was used by someone fraudulently so I had talked to Barclay and they closed my card and I had reapplied and got a new one. They had removed my original 90 days late payments from credit report so it didn't show up the first few years, But when I check my report now, it shows as 90 days late payment. 
I would like this 90 days late payment to be removed immediately from XXXX. 
This first Acct was opened on XX/XX/2015 Acct # 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