BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX. : # XXXX, US DEPARTMENT OF AGRICUL : # XXXX, US DEPARTMENT OF AGRICUL : # XXXX, XXXX AXXXX 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX Acct # XXXX has violated my rights by reporting 30 days and 60 days late. 

XXXX Acct # XXXX, XXXX, XXXX has violated my rights for continuing to report a closed/settled account. 

USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2019-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX   {$620.00} XXXX XXXX - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} PORTFOLIO RECOVERY SYSTEM - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX  AND XXXX {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH PORTFOLIO RECOVERY SYSTEM {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES XXXX XXXX XXXX  ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ). Once the transfer completed and investment began, I tried to withdraw and the withdrawal now a problem ( not allowed me to withdraw ) and gave me a sign of scam. I then began to work with Coinbase customer support to help me transfer back but Coinbase denied my request ( see attached complaint letter for more detail ). Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 USC 1681.

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 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 1681 s-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. 


XXXX ACCOUNT 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 2023-10-08
Company: EQUIFAX, INC.
State: TX
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:
I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my credit score and may be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: CA
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:
All three major credit bureaus I have over 30 plus inquiries on my report! This is outrageous. I have called them and told them several times that I did not give permission to any of these companies to receive my credit. Not only that but I also put freezes on my credit and Im yet still receiving information that several car places are running my credit as well as loan companies. I have not tried to run my credit for either thing. Someone is illegally allowing this to happen. I want all inquiries removed at once!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, 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:
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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX and XX/XX/XXXX AMERICAN EXPRESS DENIED, DISCRIMINATED AND DAMAGED MY CONSUMER REPUTATION. I DEMAND MY SECURITIES THAT I ISSUED TO AMERICAN EXPRESS BE USED TO OPEN AND FUND MY ACCOUNT. TRUST INDENTURE STATES THE SECURITY INTEREST IN THE COLLATERAL IS GRANTED TO SECURE THE NOTE!! SO WHY WAS I DENIED MY SECURITIES? I ISSUED A SECURITY COLLATERAL ( PROMISSORY NOTE ) THE INTEREST SHOULD HAVE GRANTED ME AN ACCOUNT/CREDIT WITH AMERICAN EXPRESS XXXX 
I BELEIVE MY PROPERTY IS BEING ADMINISTERED WITHOUT MY CONSENT AND I DEMAND IMMEDIATE RESTORATION AMERICAN EXPRESS. AMERICAN EXPRESS RECEIVED A ELECTRONIC CHECK TO OPEN AND FUND AN ACCOUNT FOR A CONSUMER AND INSTEAD STOLE FROM THE CONSUMER. OPEN THE ACCOUNT AND RETURN ALL PROCEEDS OBTAINED WITHOUT MY WRITTEN CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Michael Andrews & Associates LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a car from XXXX XXXX in XXXX Ga in XX/XX/XXXX. The finance company that I made payments to was XXXX XXXX XXXX for a while then the car was sold to XXXX XXXX, then to XXXX XXXX. I'm not sure if XXXX XXXX and Michael Andrews and Associates are the same but the car was repossessed in XX/XX/XXXX by Michael Andrews and Associates. I spoke with the manager named XXXX  about payment arrangements and he agreed to let me keep the car if I made a payment the same week I spoke with him. However, I made the payment that week and the car was repossessed the same week. Now im receiving calls from Michael Andrews and Associates about suing me for the remaining balance after selling the car, which is {$5000.00}. I don't agree with their decision and I'm seeking justice because I don't think it's fair how they handle business.

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 2020-05-09
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: 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 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TN
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:
I have sent your company numerous of disputes. You are not abiding by the US Federal Law with FCRA. I am trying to dispute the ACCURACY of the account. I am not trying to validate these accounts I need accuracy on my accounts. After your investigation, I have seen you violate the law again. The account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' is INACCURATE & INCOMPLETE. They sent XXXX XXXX is {$0.00} and Equifax Balance is {$1400.00} for a Collection. Proof has been provided. They sent XXXX XXXX XXXX is {$0.00} and Equifax High Credit is {$1400.00} for a Collection. Proof has been provided. Overall, this account should be deleted after your investigations are not accurate. They want money for inaccurate account. This shows sign of fraud to lenders when they view my credit report. In addition, I viewed the aacount of " XXXX '' which is reporting longer than 7 years. According to FCRA this account should be deleted after three years. Proof have been provided. Date Opened on this account XX/XX/XXXX It has been 7 years as of XX/XX/2023. Please delete these inaccurate accounts in the attachments. Please process my 6 letters in the attachments and other evidence. Credit report been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The company told me report with credit bureau Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Accounts : 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  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 of 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