BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Reporting Transaction history is illegal 15U.S.Code1681b-Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report uder the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.They need your written consent to add any thing to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L90321 ( 82Stat.146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to are quest by the head of a State or local child support enforcement agency ( oraState or local government official authorized by the head of such anagency ) 15U.S.Code1681c Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12CFR1022.3 Definitions Identity theft means afraud committed or attempted using the identifying information of another person without authority.Anything added to your report without your written consent could be considered Identity theft 15U.S.Code1681c2-Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumeridentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 

The agency continue to blatanly violate these and other regulations

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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, 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 explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2023-07-06
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX i sent a billing dispute letter to the corporate legal councel for Consumer Portfolio Services because i didnt know who else to send it to. I sent this letter Certified mail so i could see when or if they got it they did get the letter on the XXXX of XXXX. But in letter i was disputing the total payment amount that they were saying was {$22.00} at the time when i got my car it was {$23000.00} Ive had the car since XX/XX/2022 according to the paper i have. I was Not refusing to pay i just wanted Verifcation of the debts and a copy of my contract because i dont have a promissory note with my packet of papers i got with the car. I know there is interest and things but for me to have payed over {$4000.00} dollars of my hard earned money and only being credited for {$640.00} is JUST FEELS LIKE IM JUST BEING ROBBED!! There was NO CLEAR AND CONSPICOUS explanation when i signed up that these people were even know there was a servicing/ or debt collector doing my account i thought i was paying XXXX XXXX XXXX XXXX And then after i sent the letter I received MULPTIPLE Calls while i was at work and NEVER recieved anything back in the form of USPS letter/ response with the things i requested. All i got back was an email saying that if i didnt pay XXXX i would be sent to loss prevention and it would be reported to credit agencies. Im just became aware that there is to be no futher charges or reporting until the dispute is resolved all that i got was This threat from Some guy who claimed to be a 30 day supervisor whatever that is. i still have the email but cant figure how to upload it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1. On XX/XX/XXXX, 2 of my roommates sent me Rent and Utilities money via Paypal, so i could pay the joint bills. 

2. On XX/XX/XXXX or 3rd I logged into my Paypal account to transfer that money to my checking account. 

3. When I went through the process to transfer the money to my checking account, Paypal 's web site informed me that my account had been limited due to unusual activity. Paypal prevented me from transfering my money to my personal checking account. 

4. After following a number of different screens, Paypal demanded ( via its web site ) 4 pieces of information : a. A bank statement b. A photo Id c. Proof of address. 
d. An explanation of the transactions involved.

5. Paypal limited the account access, preventing me from transfering my money, but was more than happy to allow money into the Paypal system. This created a situation where Paypal is holding my money after taking it in, knowing that they were not going to let me transfer my money out. Paypal should have prevented money from coming into their system if they were going to prevent it from coming out, and hold that money hostage. 6. Attempting to contact Paypal to resolve this issue w
as a nightmare. The 888 number hang-up on me and would not put me through to a human. The web site is filled with circular references. Trying the " Message '' feature lead to conversations with chatbots that were no help. Getting through to a human was almost impossible. It is clear that Paypal does not want to speak to people about the money that Paypal is holding hostage. They refuse to communicate, and place customers in an extortionist situation. Paypal has your money, and refuses to speak with you to resolve the situation. 

7. After numerous communications with Paypal, providing ALL the requested information after the extortion that they would only give me my money if I provided the documents, Paypal decided to close the Paypal account. This is perfectly fine, but Paypal has also refused to return the money to the senders, or give the money to me.

To summarize : 1. Paypal accepted a money transfer for me, despite placing my account on hold. 
2. Paypal demanded information and refused to return the money to the senders or give it to me, creating an extortion attempt. I had no choice but to provide the information if I wanted my money back.

3. All requested information was provided.

4. Paypal choose to close the account AND hold onto the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: GA
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 notified the credit reporting companies that the information on my report was inaccurate and asked them to correct it. However, over 1 year later and only one credit reporting agency removed the accounts from my report. The accounts are collections accounts and they are not mine. I have asked the company to provide proof of ownership put they can only provide me with a statement from another company, which is not them. I do not owe the debt, pursuant to 18 USC 8. This company is violating my consumer right to privacy, 15 USC 1682. 1b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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 just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Chase Bank on XX/XX/XXXX to submit dispute on one of my transactions. 
I disputed transaction in the amount of {$14.00} because I returned my merchandise to the merchant personally and the merchant supposed to process a credit for the same amount. However, the credit has not been processed by merchant or by Chase bank and no credit was posted to my checking account ending in XXXX. Therefore, I expected that Chase bank will conduct thorough investigation of the disputed transaction and will be able to resolve this dispute to my satisfaction. They accepted my claim on XX/XX/XXXX and issued me a temporary credit in the amount of {$14.00} and advised me that if they found that the transaction was processed according to the information I provided or authorized, they will reverse temporary credit. 
On XX/XX/XXXX, Chase provided me update on the status of my claim and informed me that they found transaction was processed accordingly or was authorized. Therefore, they will be reversing a temporary credit. I called Chase Dispute Department to request the information they used to conduct their research and explanation. They advised me that they contacted the merchant, and they received response from the merchant that transaction is valid. Chase requested from me a receipt showing the proof that merchandise was returned, and they will be presenting to the merchant to act on my behalf. I advised the representative that I do not have a receipt anymore since it has been over 2 months since transaction date. Then, they said I must contact merchant directly to resolve dispute. I advised them that they should represent me as a customer and help me to resolve this dispute. They did not even offer me to provide any proof they received from the merchant that allowed them to make decision to deny my claim. 
This company made deceptive decision against the claim, and I feel that I should not be treated this way. I have neither merchandise nor money because of their fair decision ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A debt from the XXXX XXXX XXXX, whom i've never done business was reported by all 3 credit reporting agencies. I contacted XXXX XXXX and XXXX and got this corrected without issue. I contacted Experian who said they verified the debt with XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX who said the item will be removed and to allow up 60 days. It's been more than 60 days and no action has been taken by Experian. I'm asking for government oversight to correct the situation. 

I would also like to know how i can stop Experian ( only ) from accessing my credit information.

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 2023-06-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX & XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

--

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 2022-10-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. XXXX XXXX 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 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: AK
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-15
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: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a late payment account that has appeared on my credit report. Despite my efforts to rectify this situation with the credit reporting agencies and the creditors, the issue has not been resolved satisfactorily. I recently reviewed my credit report and was shocked to find that there was an account listed as having late payments that I have never actually missed. The account in question is XXXX  XXXX. I want to emphasize that I have always been diligent in making timely payments for all my financial obligations. I have never been late on any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: Experian Information Solutions 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 have disputed a XXXX account ending in XXXX on several occasions with XXXX, XXXX, and Experian. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, XXXX, and Experian are not in compliance with the FCRA and are still reporting XXXX on my credit report

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