BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
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: Account information incorrect

Complaint:
Inhave sent the following information to my lender multiple time since XX/XX/2022 and no one will respond to me or fix my credit report : I am writing to appeal the decision not to remove the late from my credit report. We have provided information to show the 1 late payment in XXXX was a bank error and not for lack of funds. I own a law practice and this late will have enormous financial consequences for me. As a trusted client, I would hope that my lender would make the right decision in this situation./ If there was ever a reason to make a correction to a credit report of one of your customer I would think this would be it. Please let me know what I need to do to appeal or re-request consideration. I will not cease my attempts to correct this until the right thing happens. Theres too much at stake and it is just not right.

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 2023-11-04
Company: Experian Information Solutions 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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604a, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 16, 66b a creditor may not treat a payment on a credit card account under an open and 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 2020-03-18
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX XXXX {$350.00} XXXX XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My chase account was closed on XX/XX/XXXX and there was a balance of around {$26000.00}, but I haven't received the check. I called Chase almost once a week to follow up with the situation and every time they said there were no updates and the reasons for closing the account were unknown. When my account was first closed, they said my check would be shipped in XX/XX/XXXX, but now it is almost XXXX and they still did not give me any updates or explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Possible Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/22 XX/XX/22 I've had issues with the payment processor that has caused payments to not come out on time. I use this service to help my credit but it has caused more damage. When reaching agents it is via email and can take a day for reply caused last payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: LA
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:
FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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 was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$8500.00}

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX {$10000.00} REMOVE ACCOUNT XXXX  XXXX  {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX  XXXX {$3400.00} XXXX  XXXX {$1500.00} XXXX requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.

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 2023-06-04
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
A charge from almost a month ago suddenly updated to a much higher amount due to " technical error " what I was told by cash app. Never notified no negative balance shown. Just as soon as I loaded the money it was taken immediately out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$540.00XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, an unauthorized XXXX transfer of {$1000.00} was sent from my Bank of America checking account to a XXXX XXXX account of my estranged son. I was notified by BOA as soon as the transfer occurred and I immediately contacted them to say this was an error. Although the transfer showed as pending I was told it could not be stopped. BOA attempted to recover the funds from XXXX XXXX who refused to return the funds. 

XXXX XXXX stated the funds went to the intended recipient. That is not true since I did not intend to send those funds. 

The funds went into an inactive account so the recipient did not receive them and cant return them. 

BOAs On Line and Mobile Banking Security Agreement states that consumers would be protected from fraudulent transfers. While this may not meet the strict definition of fraudulent it is an an unauthorized transfer and I should have been protected.

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 2023-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I believe I got over charged

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 2022-02-17
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX is incorrectly reporting on my Equifax credit report as 90 days late in XXXX and XX/XX/XXXX. My XXXX XXXX loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX  wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a XXXX XXXX representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXX returned my XX/XX/XXXX payment, I called XXXX XXXX immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from XXXX XXXX  web site, XXXX XXXX  response to my XXXX  complaint, my XXXX XXXX XXXX completed XXXX XXXX payments, XXXX XXXX hardship agreement, XXXX  XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an Equifax report of XXXX XXXX reporting. I am including all of this just in case XXXX XXXX tries to report me any other month late that is incorrect. If you look at XXXX XXXX response on the XXXX  complaint, XXXX XXXX assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Account over drawn, for pending transactions which caused for a negative balance and insufficient fees being charged. Wells Fargo still allows money to be taken out of an overdrawn account and continue to collect insufficient fees. They do not decline payments which makes my account go further negative.

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 2022-02-17
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:
Dates : Amounts : Action : Sent certified mail and notarize disputes and FTC Fraud affidavit and still reporting inaccuracy and did not prove how they verified.

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 2023-06-04
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of Inquiry : XXXX/XXXX/2023. XXXX The inquiries was not authorized from XXXX XXXX ( XXXX ) different inquiries from same company Date of Inquiries : XXXX/XXXX/2023 Please remove it from my credit report. XXXX. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2022-02-17
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-02-17
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: Credit inquiries on your report that you don't recognize

Complaint:
These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by Equifax. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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:
Equifax is reporting a XXXX XXXX credit card account ending in XXXX on my Equifax credit report. It is not mine. The account has not had any updates since XX/XX/ 2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).

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