BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. XXXX reporting company is reporting XXXX XXXX XXXX # XXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. Equifax and XXXX are reporting different information on the same account which is contradicting each other. This is a discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Turning Point Solutions LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get multiple calls at least XXXX a day from this company and number. Sometimes they go as far as to using a fake number. Theyve even reached out to my family in regards to everything and I never have put anything down with my family which is invasion of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experience has this unknown information that I requested removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX Il XXXX XXXX. XXXX XXXX XXXX Il 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 2022-10-31
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 a check in the amount of {$20000.00} was mail to my address but not delivered due to some missed information. In XXXX I received a letter stating that due to me not excepting the loan it was now expired. I checked my credit months later and there was late payments showing on my credit report, so I contacted PenFed they said it was an oversight and they will take care of it. In XXXX I received a letter stating that on XX/XX/2022 the issue will take 30 to clear. As XX/XX/2022 there is no change.

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 2023-02-13
Company: REGIONS FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
After reviewing my XXXX, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my Regions credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission.

Regions Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a credit alert on my XXXX and TransUnion credit accounts on XX/XX/2022. My credit report show shows inquiries by XXXX XXXX I do not recall authorizing XXXX XXXX to use my social security number for no business in reference to obtaining credit cards. I applied under my business EIN # not my social as a matter of fact. I was applying for a business card which on the form states EIN or Social. This misleading, deceptive and Unfair Advertising to the consumer. I had an option to use either my social or EIN. I choose to use my EIN because my business credit is strong. 

If you find that I am remiss, and you did have authorization to inquire and use my ( social security number ) please send me proof of this. I use my EIN number because it was an option on the XXXX  XXXX website and if its not an option then XXXX XXXX is committing fraud under subpart 1603.70 Misleading, Deceptive UnFair Advertising. 

Subpart 1603.70Misleading, Deceptive, or Unfair Advertising This bill restricts online advertising that targets an individual, internet-connected device, or group of individuals or devices based on personal information. Personal information includes information that is reasonably linkable to an individual or connected device such as internet browsing history or the content of communications.1603.7001 Policy. ( b ) OPM discourages advertising that is misleading or deceptive. This in-cludes advertising that is directed at other carriers plans participating in the Program and which uses incomplete or inappropriate comparisons or disparaging or minimizing techniques.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I REVIEWED MY CREDIT AND SAW THAT SOMEONE HAS APPIED FOR A CAR LOAN WITH MY SOCIAL SECURITY NUMBER. I CALL ALL OF THE CREDITORS LISTED AND NO ONE HAVE AN ACCOUNT OR MY SIGNATURE AND TOLD MY TO DISPUTE IT WITH CREDIT BUREAUS

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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

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 2022-11-16
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE financial reported debt to my credit reports, I called them, they said they couldnt send me an invoice but I can see if online but I had to sign to verify the debt as Accurate first before viewing the debt which is fraudulent! Also discovered its not my account but was told the only way to get it removed was to pay it anyway.

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

Complaint:
I've received a few weeks ago ( beginning of XXXX ) a letter from XXXX XXXX XXXX saying I own XXXX XXXX {$380.00}. I thought it was odd because I know I don't own them anything. So i called my mother in law who just retired from XXXX. I lived in my last place at NJ XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My mother in law was the one who opened and eventually closed and transferred my account to her house in XXXX, NJ. My mother in law called her friend from XXXX and he inded confirmed what we all knew, that's not my bill! The account the collection agency is saying is mine, doesn't have my social, my email, full name, DOB, phone number, literally nothing that belongs to me linked to it! They most have a first name and half of a last name. Some how they linked a completely stranger to me, and now they are bothering me with letters with a debt is not mine. I've already disputed it ( same day of XXXX  letter ) and they sent me a letter XX/XX/XXXX ( a joke that proves nothing ) saying XXXX confirmed the name and address and that I still have to pay them! I can no longer dispute that bill because XXXX confirmed that debt ( face slaps ), a debt that IS NOT MINE! 
Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

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.

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.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name : Bankruptcy XXXX XXXXXXXXdischarged reference number 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 aiso 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 explanation
Consumer complaint received 2021-08-11
Company: Paradigm Assets, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company I never did business with charge off an account that doesn't belong to me. after it was deleted they changed the account number so that they can re report it to my credit file after it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Continental Finance Company, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX Credit Card manage by Continental Finance is taking over 50 % of my payments to monthly fees and interest. I asked why and no one could give me an answer. finally they hung up on me.

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 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I was recently " Denied '' credit. When I tried getting my " Free '' annual credit report from " XXXX XXXX '' they told me " No '' and that I would have to " Pay for it. ''

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 2023-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Auto loan high interest

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-08-11
Company: EQUIFAX, INC.
State: NC
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:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: JPMORGAN CHASE & CO.
State: KY
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:
I was going through a fraud claim with my Chase bank being hacked, and XXXX being hacked for {$500.00} on XX/XX/XXXX, talked to an representative there at chase and they reported/cleared all pending transactions that were not supposed to be from me. Somebody canceled my phone service ( XXXX ) and kept my number so they got every verification code, And got my email. Around that time I had a payment coming out of my chase for my insurance bill with XXXX that was recurring, and the amount of {$660.00} was taken out for the next 6 months for my insurance. Weeks go by with me thinking I have insurance on my car because my money was never put back in my account of {$660.00} and I get into a car accident that totaled my car and now Im seeing that something went wrong with them canceling my payment. Ive gone months with this missing amount of money from my XXXX and a fee from XXXX being taken from my account and not put back. Now I have a unpaid for totaled car because I didnt have insurance because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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:
I have disputed this account information as inaccurate with XXXX XXXX XXXX and Equifax, and they have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is obligated by law to remove the item. There is a clear case of unverified debt here. 
If all three credit bureaus verify from the creditor why is it that only Equifax is the only credit agency reporting the false information. 
How is it that Equifax is the only company allegedly able to contact and receive a response from XXXX when they claim that the negative that is mines. I am attaching the original letters sent to both Equifax and XXXX asking for verification. I am also attaching proof of my identity as well as proof that the letters were submitted via USPS and picked up by a representative from XXXX and delivered to Equifax.

Company response to consumer: Closed with explanation