BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
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:
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 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear, Transunion there is information that is on my consumer report that is the 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 representation 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. 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 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 XXXXXXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the XXXX XXXX breach, I look foward to your response, Thank You.

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 2023-10-25
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During COVID I had financial issue, like many people, and I got behind on my credit card payments. I worked out a plan with Discover to make payments. In XX/XX/2023 I paid off the balance in full, in the amount of {$5200.00}. 

I asked Discover to send me a letter stating my balance was paid in the full, the amount I paid, and to state I had a XXXX balance on that account. They told me a letter like that could not be done. 

My credit reports show that Discover wrote off the balance. it does not say " Paid in full '' with a XXXX balance. Discover told me that's what it would say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2023-03-02
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 # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I believe I have been the target of fraud. On XX/XX/XXXX, I noticed a pending account transfer of {$7.00} from XX/XX/XXXX XXXX XXXX to my Chase checking account. At XXXX XXXX  ( on XX/XX/XXXX ), I called Chase Customer Service ( XXXX ) to alert them of the suspicious transfer because I have never conducted business with XXXX. Specifically, I have never made a purchase from XXXX, I do not have an account with XXXX, and I have not shared any of my Chase account information with " XXXX. '' ( However, when I was the victim of online debit card fraud on XX/XX/XXXX, someone made a purchase of {$200.00} from XXXX XXXX XXXX. This money was refunded to my checking account by " XXXX '' because I submitted a fraud claim with Chase. ) The Chase representative recommended that I contact XXXX directly to inquire about the transfer, and she did not classify the transfer as possible fraud. I was dissatisfied with this outcome and uncomfortable with her recommendation about contacting XXXX directly because again, I have never conducted business with XXXX. Therefore, I called Chase Customer Service again the next day ( XX/XX/XXXX at XXXX XXXX ) because I was still concerned. This time, the situation was escalated to the Chase fraud department and a case was opened ( claim number : XXXX ). Moreover, the Chase fraud agent recommended that I close my checking account by visiting a Chase branch and leave the {$7.00} in my account so that it could be available to be returned to XXXX. I followed this recommendation. Chase representative, XXXX XXXX, helped me submit a pend close request on my account ( on XX/XX/XXXX ). Currently, my account has {$7.00}. 

On XX/XX/XXXX, I received an online letter from Chase informing me that they found that the transaction ( s ) was processed according to the information you provided or was authorized and that No adjustment will be made to your account at this time. On XX/XX/XXXX ( at XXXX XXXX  ) I was notified via email by Chase about this letter. So, on XX/XX/XXXX, I called the Chase Customer Claims Department ( XXXX ) at XXXX XXXX  ( and again at XXXX XXXX  because the call got disconnected ) to further inquire about the claim outcome and dispute it because I did not authorize the {$7.00} transfer. The Chase representative was unable to help me further with the claim. Therefore, on XX/XX/XXXX at XXXX XXXX, I called the CFPB ( XXXX ) for guidance on my situation. The CFPB representative listed my options of reporting XXXX to the Federal Trade Commission ( FTC ; reportfraud.ftc.gov ) and reporting Chase to the CFPB. I will follow these reporting options. My FTC report # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus XXXX XXXX  advertised a promotion that said to add {$10000.00} to Saving account for 90 days and they would credit account {$100.00} bonus. I did that and kept added funds in savings account for 91 days before moving some of it to a Marcus CD.

I called Marcus to ask why I never received the bonus I was told it needed to stay in account 90 plus 10 additional days.

Some of the Marcus advertisements do not mention the additional 10 day requirement. In addition many of the financial bloggers that promote this offer do not mention the added 10 days either.

The fine print is so complicated that many people cant understand it. Marcus advertise the 90 days, not 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXXXXXX Account XXXX XXXXXXXX, has violated my rights. 

1

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance - XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$50.00} ; XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$340.00}

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 2023-06-01
Company: Convergent Resources, Inc.
State: NC
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:
This is an ongoing frustrating situation where your company COI keeps falsifying information that I am not aware of m. You state, XXXX XXXX. : R- XXXX XXXX Account XXXX. : XXXX On XX/XX/2021, you made a payment in the amount of {$540.00} with the agreement that this would resolve the account balance in our office. 
In response to your complaint, your account remains closed in our office as resolved. If you have any further inquiries regarding this matter, you may contact XXXX directly. In addition, please be advised that COI have contacted the credit bureaus, with which we do business, with our request to update our listing of the above account on your credit profile as paid less than the balance owed. COI can not affect a change to how the creditor or any other company may have listed the account on your credit profile. 
Enclosed please find a copy of an account payment history with our office for the above account. Should there be a discrepancy, kindly contact us. 

Currently I have multiple accounts with XXXX  and personal and business accounts receiving cellphone services and there is no record of what you keep reporting on my credit report. 

I have asked you to verify this information of three times within the past 1 year with all written and signed initial contracts and you failed to present them. I am requesting you remove this impediment from my consumer credit report and cease from contacting me about this issue.

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 2023-02-24
Company: EQUIFAX, 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:
I disputed this charge I did not open this account and they said it was verified XX/XX/2019 for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been monitoring my credit score and reports. On XX/XX/2023 my credit score for Transunion was XXXX and my XXXX score was XXXX. My income is {$110000.00} but since I don't have a lot of open accounts my credit scorXXXX had been pretty stagnant, so I decided to open up a credit card account so I can establish more credit and have an opportunity to increase my score. 

As previously stated my credit score on Transunion was XXXX and my credit score on XXXX was XXXX on XX/XX/2023. I then applied for a XXXX card and was approved. The account was opened in mid-XXXX When XXXX card account was opened immediately my score on both the Transunion and XXXX reports changed, which was expected. But what it changed to was very unexpected because the new credit score from Transunion and XXXX were so different. 

Transunion score saw a decrease of XXXX points. Transunion decreased from XXXX to XXXX ( vantage XXXX score ). XXXX on the other hand saw an increase of XXXX points. That score went from XXXX to XXXX as a result of the new XXXX card account. So basically my issue is... ..Transunion score decreased XXXX points, while XXXX increased XXXX points. Why did the two credit reporting agencies report such different results for the same report activity? 

Both reports show the XXXX card was the underlying factor for the change in credit score. But Transunion went down XXXX points and XXXX up XXXX points. That doesn't seem right. Transunion score is showing XXXX and XXXX XXXX and they are both using the XXXX XXXX scoring model and both have same accounts. So my question. Why did the Transunion score decrease so signficantly ( minus XXXX points ) when XXXX went up? 

I know there can be differences between credit reporting companies but they are both using the same credit scoring model and both credit scores was neck and neck ( XXXX and XXXX Transunion and XXXX respectively ). So why did Transunion go down XXXX points and XXXX go up XXXX points? 

I think the Transunion score is wrong and I need someone to review but they don't have any dispute mechanism in place to dispute the credit score. I have dispute the credit report and accounts, etc, but their website doesn't let you dispute the score which is why I am writing you. 

I need a government run regulatory body to review this matter and request Transunion to review independently and report updated status. Also want to know how the same event ( opening a new credit card ) can have such different effects on Transunion and XXXX credit reports. especially since the scores were similar before the event and the companies are using the same credit scoring model. Please advise.

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 2023-04-21
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-09
Company: The Moore Law Group
State: NV
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:
There is info on my consumer report from XXXX XXXX XXXX XXXX XXXX XXXX THE MOORE LAW GROUP that is a result of identity theft. I did not provide written permission or instructions for identification 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 : or is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as 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 2023-06-01
Company: ENOVA INTERNATIONAL, INC.
State: TN
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:
My personal information was exposed, and my driver 's license was used to get loans and credit cards. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

XXXX XXXX XXXX XXXX Lightstream 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 explanation