BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: AL
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 Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For my last credit report from XXXX XXXX, they reported my credit score down from XXXX to XXXX because they said XXXX XXXX reported that I was late for my monthly due of {$500.00} but that amount is not due till XX/XX/XXXX and that was end of XXXX when I check my credit report. Now if you look at their report at XXXX that amount is not due yet and now XXXX XXXX the {$500.00} was credited. I talk first to XXXX they said they will send me letter that they don't have any idea how it happened, but the letter didn't happened they said to talk to XXXX XXXX and they said they can't correct it I talk to TransUnion and XXXX customer chat they said I need a letter that XXXX made a mistake but they won't send a letter they said they can't do anything to correct it. 

I tried to send a message to TransUnion and XXXX but there is no way you can't talk to them unless you pay and enrolled and pay with their monthly fees and the customer service said they can't fix it unless I become their member. 

I am XXXX XXXX, and my e-mail is XXXX and my text phone is XXXX I am from XXXX, Ca and that's how these companies answered now by not allowing the customers to access their sites unless you pay and become a member.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 

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 XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-08-16
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over XXXX days since I received any response from all XXXX reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: FL
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 challenging the incorrect information with XXXX on my credit report. Where XXXX and XXXX clearly violated the law. XXXX and XXXX put on my credit report an account number that is not my and the balance is false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXXXXXX XXXX is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXXXXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im challenging this account with XXXX and XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Provides me with strict proof section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit 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:
In XXXX, I opened an Amazon account and signed up for the Chase credit card ( XX/XX/XXXX ), offered through XXXX. In XX/XX/XXXX, I finally signed into the Chase account and found that charges from XXXX XXXX, a service I have never purchased, received, or used, was charging my account XXXX XXXX  monthly from XXXX, then XXXX XXXX monthly from XXXX. I immediately contacted Chase to inform them of these fraudulent charges, Chase credited the charges back to my account, then overnight, replaced the charges back, stating that XXXX XXXX said I had an account. From XX/XX/XXXX to XX/XX/XXXX, I have been working with Chase and XXXX XXXX to resolve this issue. XXXX XXXX representatives and managers have stated that I would be paid in full, since there was no evidence of me having or activating an account. The many conversations have been on three-way calls with Chase representatives present. On XX/XX/XXXX, I received a statement letter, in my Chase account, stating " We resolved your dispute '', stating, " the charge you disputed is valid ''. " It will remain on my credit card account ''. This is totally unacceptable, that they would expect me to pay a charge that I never activated or received. Currently, the balance is {$2500.00} and growing with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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:
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 XXXX XXXX, CHILD SUPPORT ENFORCEM XXXX, CHILD SUPPORT ENFORCEM XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2023-10-22
Company: Eagle Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid the debt in question. They sued me in a county I do not live in and did not sign the contract in. They never served me at any point, but said they did. My first notification of the dispute was through a postcard from XXXX XXXX courthouse saying I had a default judgement I was never given the opportunity to dispute and never served on. I absolutely want a chance to say I borrowed from Eagle Finance and paid them back in FULL in 2022. I do not agree with the judgement and believe I was not notified and it was sent to a court with out jurisdiction because they KNEW they debt in question was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: MI
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:
To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
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:
I recently requested the credit bureaus to do a verification of all items reporting for accuracy. They completed the investigation and stated the information was accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction Accounts in question : XXXX ; Acct : XXXX XXXX XXXX ; 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
Consumer complaint received 2022-03-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota has not reported my account to the credit bureaus, i went to XXXX Toyota dealership to trade my current car, but surprisingly when they ran my credit, this account didn't appear on my credit report. i called the credit bureaus and they confirmed that this account does not exist on any credit report. so i called Toyota Finance and i was asked to send them a formal letter. i did. also i have been calling them every other day to follow up on this case, but each time i had to repeat myself. seems they kept ignoring my request to my right to have a 100 % accurate credit report. i requested them to report this account to the credit bureaus so it appears on my credit file. Please i need this account to be reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I had a long banking relationship with XXXX XXXX. I had a credit card for about 10+ years, IRA and many bank accounts. I ended my banking relationship with after they allowed XXXX to steal {$1500.00} from mine and my son 's account. I opened a new checking account with XXXX. I continued to make cc payments through that XXXX accnt monthly. XXXX & XXXX paid XXXX with XXXX XXXX. They actually closed my credit card which I was like fine. I will pay if off. I made a large phone payment through my XXXX account in XX/XX/XXXX XXXX. I had a small balance after of XXXX. I logged on to make payment and the XXXX account I was using wasn't in the system to make the payment. I tried to add the account and they created they verification system where they said they needed to deposit into my account and I needed to check my checking account several days and come back. All that garbage which is just ridiculous. I Didn't have any issues with the large XXXX payment and all previous payments why did they create additional steps. XXXX XXXX reported me late for missed payment. Other creditors picked up on the late and they reduced my business credit card that I use for my business due to XXXX XXXX Negligence.

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 2022-08-16
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom It May Concern : I recently received a copy of my XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..XXXX  : XXXX late payment XXXX XXXX XXXX.. XXXX : XXXX late payments XXXXXXXX XXXX XXXX XXXX : XXXX XXXX late payments XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX late payment XXXX. XXXX XXXXXXXX XXXX : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXXXXXX XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXXXXXX XXXX XXXX XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXX XXXX : XXXX. XXXX late payments XXXX XXXX XXXX XXXX XXXX : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give u written instructions to furnish these accounts on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NC
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: MI
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:
XXXX, Equifax, and XXXX used my information without my consent, and According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a collection debt from XXXX XXXX XXXX XXXXXXXX XXXX  {$310.00}. I have never lived nor requested service for this business. Spoke to the company on XX/XX/XXXX and previously reported this to XXXX  and reqeusted his acct be frozen until further notice. fraud alert was submitted in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Merchants Acceptance Corp
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These people keep calling me looking for my sister for some reason, Ive told them I have no information about her or what her business is with them and to please not call me but they're still doing it. I'm also on the national do not call registry. They've called me once a month since XX/XX/2021 ( so four times total with 3 of those being after I asked them not to call me again ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation