BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information inmy file. The items I need deleted are listed in the report. I am a victim of identity theft and did not makethe charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft ofmy identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or givenanyone access to my private and confidential records and certainly not the alleged with the items listedbelow. ) showing on my credit report. I, therefore, request that you immediately remove this accountfrom my credit report with your firm, or provide me with the exact source where you received suchinformation, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE # XXXX Acct # XXXX This is a fraudulent medical bill put on my credit report. 
On XX/XX/XXXX, I faxed a request to reinvestigate the following incorrect item, which they list on my credit report ( s ) as a collection : ARS Account Resolution in the amount of {$1500.00}. 

The computer-generated response I received is unacceptable and I am losing patience. This information is invalid, negative, unduly, and unfair incorrect information on my credit report. 
As a requirement of the FCRA, they failed to provide me proof of the alleged debts validity by NOT providing me with the following : ( a ) breakdown of fees including how you calculated what they claim I owe ; ( b ) a copy of my signature on a contract or document that holds me responsible for this alleged debt : and ( c ) proof that you are licensed to collect this debt ( if valid ) in my state. 
Their response listing XXXX XXXX XXXX. XXXX XXXX XXXX is not enough information to validate anything. I have XXXX as my insurance provider and there is no record of me receiving treatment for any service for the date of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Bank : # XXXX, XXXX Bank : # XXXX, XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Prop 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 : Account Number Not Provided have 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 non-monetary relief
Consumer complaint received 2023-07-25
Company: National Credit Systems,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:
NATIONAL CREDIT SYSTEMS has refused to validate the debt or to provide me with any documentation that proves that I owe the debt. I believe that the debt is either invalid or FRAUDULENT. NATIONAL CREDIT SYSTEMS is engaging in debt collection without a valid license, which is in violation of applicable laws and regulations. I believe that NATIONAL CREDIT SYSTEMS is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Violation of Se

ction 807 ( 2 ) You are Continuing communication after a cease and desist request. Violation of Section 1692 ( g ) : Failing to send a written debt validation notice within five days of the initial communication with the consumer about the debt. Violation of Section 1692 ( d ) : Repeatedly calling with the intent to annoy, abuse, or harass I, the consumer. I understand that under 15 U.S.C. 1692, I am entitled to statutory damages of up
to {$1000.00} for each violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive been requesting my free credit report from XXXX, Equifax, and XXXX  since last year i havent been able to receive them or no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
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:
A check for {$1300.00} was stolen and fraudulently signed/cashed on XX/XX/XXXX. I filed a claim with Chase bank as soon as I noticed ; the first bank did not even properly submit my claim. Then had a series of 10+ phone calls explaining the blatant fraud, including a picture of the check with the forged signature. It took months but I finally received " Reimbursement for Customer Check Claim '' in the amount of {$1300.00} on XX/XX/XXXX. The process was awful with no communication and far too much time spent reaching out to Chase Bank over the phone and in person. My file with them should reflect my displeasure. On XX/XX/XXXX, {$1300.00} was then taken out of my account from Chase Bank. I have not received the same explanation any time I have asked. The answers included : -This will be resolved in 2-5 business days ( it has been 2 weeks ) -This is standard process, we need to take the money back, sorry. No further help. 
-We made a mistake, this money should not have been taken out, let me look into this. 
-Normally if it is over a year the other bank is not responding and it means you will not get your money back. 

Obviously, any consumer will not accept being out {$1300.00} and the fact Chase Bank is denying me my own money despite my efforts has caused me to file this complaint. It is the most blatant case of a fraudulent check being cashed possible and I depend my own money back. 

Please reach out to me should you need any paperwork or further proof of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NY
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2021-05-18
Company: ALLY FINANCIAL INC.
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car got totaled I called Ally Bank for my title they will not turn it over cuz they said I still owe them money for the car and I told him no I don't you got sued in XXXX or XXXX for over financing XXXX  with their vehicles and I was one of them and I got paid a check me and my mother she was the cosigner we got a {$13.00} check a piece so I don't owe you no money you got sued for over financing me a XXXX XXXX for over {$36000.00} and I'd already paid you over XXXX and they still said I owe them {$10000.00} for the vehicle so it would not turn my title over to the insurance company so I can get paid for my car that was total they want the money so I'm calling you and see if you can help me because it was consumer financial protection bureau and the department of Justice that sued are made Ally pay back this money so if you can help me and my insurance company is XXXX and it's the claims department if you can help me with this I appreciate it my phone numbers XXXX and my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Information belongs to someone else

Complaint:
This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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:
I have a recently received my credit report and noticed a bankruptcy on my report that i did not authorize or give consent I know and understand that is a violation to my right to privacy as a consumer according to 15 usc 1681 ( a ) ( 4 ) furthermore I did not give consent to this information to be furnished according 15 usc 1681b ( a ) ( 2 ) this is a violation to my consumer rights I've also contacted the bankruptcy court and have been notified that they do not report to the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Conn's, Inc.
State: AZ
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:
One of my family members is using my social security number these debts were not incurred by me. These are fraudulent uses by my mother who has used my ss # without my knowledge $ XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX conn appliances on XX/XX/XXXX total {$5400.00} XXXX XXXX XXXX XXXXl on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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 looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Object : BARCLAYS Financing Mastercard I paid their residual balance in full of {$700.00} after they improperly reported my account as delinquent twice. When I made the phone call sometime in XX/XX/2023 and ask them about my total remaining balance and I paid the whole amount at once and I told them to go ahead and close my account permanently. Hence, after permanently closing my account and praying my final balance in full, BARCLAYS FINANCING MASTERCARD falsely generates another charge of {$52.00} in way interest charges which also got reported as delinquent. 

However, they abused their reporting power and now my credit score shows 2 delinquent reportings from BARCLAYS FINANCING. I have been a client with them over five years and never have any issue. 

I am victim of false reporting from BARCLAYS FINANCING because of false reporting and unjust reporting.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 right to privacy and confidentiality under 15 U.B.C 1681. 

TransUnion : # 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.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX  XXXX # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX and I had my daughter open a savings account with Goldman Sachs ( marcus.com ). I do not have a phone number so we used her cell number to send SMS authorization codes. This has worked fine for the few years we've had the account opened. I've made numerous transfers to my XXXX XXXX checking account. We then tried to set up another external institution to transfer funds to. The transfer had a problem and my daughter called to find out why. During the conversation, it was disclosed that the phone number tied to my account was hers. At this point in time, they locked my account and I can not access any funds. I have had her call several times and nobody is willing to help. Today we found out they are sending us some sort of affidavit that we need to get notarized. I am in a XXXX  and it is very hard for me to get out and we do not know a notary. I need my funds transferred ASAP and my daughter told them that, but they said they can't do anything. So they have all of my savings locked up at this point for no valid reason. When we signed up for the account, it was never specified that the phone number tied to the account MUST be mine. We went back to look and verified this language is not on the web site. This is some sort of rule they've made up on the fly. Please help me to get my money out of this bank.

Company response to consumer: Closed with explanation