BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
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 ordered my credit report from chex systems and I disputed the things that I did n't authorized and they sent me a letter back on XXXX/XXXX/2017 stating that everything in my report was correct. I am so sick of these credit report people telling you what 's right and what 's wrong. Please show me where I applied for credit, or gave someone written permission to run my credit. This is why I have a fraud alert on my credit report. These companies are not doing there job and it ; s sad that anyone has to keep calling or writing them for them to remove this. What person you know would let a company run there credit 10 times knowing that there not going to be approved. This makes no since. I want these company 's removed from my report. Or send me proof in writing that I aloud them to pull my credit on my behave. These companies claim to have ran my credit on behave of someone else. Which is not true and how can anyone else run your credit on behave of someone else. I would think that I would have to give permission to both companies if this is true. I also know that hen these so called companies ran my report they used the name XXXX XXXX like everyone else has been doing that is not my name. Thee only reason Chex systems has my correct name is because I sent them a copy of my license and social security card to update my information. 

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
Consumer complaint received 2023-03-23
Company: Automotive Leasing Specialists, L.L.C.
State: LA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX  which is located on XXXX XXXX XXXX has never once reached out to me. I went into the office on XX/XX/2023 still recovering from XXXX. I was spoken to in a very ugly way and also the lady asked what was I paying on my debt today. I explained to her that she has no right to speak to me in that tone or manner because Im clearly trying to understand why shes bring irate when I have no debt with this place. This particular blonde hair lady went on to say she doesnt work for me but the ( meadows ) which is a slum area owned by former slumlords. Most people like myself who know they arent lying wouldnt waste their time going into the office to clear their name. This blonde haired lady said Im suing you and I told her to go right ahead. Im on social security and I think its sad that they lie on the poor. I would like to sue this company if they dont take this off my report. I understand XXXX XXXX makes money by agencies like these that threaten you but I dont take kindly to threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I called american express to cancel one of my cards. To my knowledge all I had opened under american express was a XXXX XXXX XXXX card and XXXX XXXX  card. The representative asked me on the telephone, " Which of the four accounts would you like to close? '' I said what all I know about is the two accounts. He said you have a buisness account under XXXX under XXXX XXXX & XXXX XXXX, you have a hilton honors card under XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX card. I told american express that that is my Dad opening up accounts in my name. The representative states that both the Hilton honors and buisness card were opened in XX/XX/2022 and XX/XX/2022 and that there was a balance of {$5000.00} on the business account and {$3000.00} to the hilton honors account. I told american express to cancel my account and they transferred to fraudulent department and an investigation was started. They said id receive something in the mail in 2-4 weeks. I then pulled my credit report from XXXX and saw a XXXX XXXX  XXXX card opened in XX/XX/2022 which I did not open. I called XXXX XXXX  XXXX and asked what account was opened and they said there is an account open in your name XXXX XXXX but the number, email and address were all my dads information. I was transferred to fraudulent department and they closed the account. The total amount for XXXX  XXXX XXXX was {$3800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : 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
Consumer complaint received 2020-07-02
Company: Conn's, Inc.
State: AL
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:
From XXXX until present Ive been making payments more than the monthly payment and Im being charged late fees and reported delinquent on my credit and Ive never missed a payment and not even due being that Im paid up for months with Conns Home furnishing. Ive made over 20 attempts with the company which admitted to this issue and said it would be escalated for issue to be fixed. It is still not. I have supporting documentation to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On 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 XXXX data breach as well as XXXXXXXX XXXX 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  PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-07-25
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/2020, my payment was received late. I explained to the credit bureau and Navy federal that my payment was late due to an error. Navy Federal didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have since XX/XX/2016 tried to open a checking through several banks known and small and also credit unions through XXXX jobs and personal and however always being denied. I have requested a consumer report. No one has gotten back to me. I also have requested paid through various websites as I will proceed further, it was false get all in one credit 3 scores report or free credit report that was a lie also. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I have yet to open a checking account since 2016. Although prepaid is an option, I see its a gimmick to get minority to settle less with high end fees. No one may have have complained. However I am. It depletes my score even with in house mailers that state invite promo code. Its a scam as robo caller that does nothing and blocks important pertinent calls and to no unveil phone company can not unblock. I literally went with {$400000.00} and was turned away savings and checkings. I disputed and requested file and history. Nothing I was told. What is going on? I will hold all FDIC bank denials accountable second chance included. Although I tried there is nothing found i was told repeatedly. How do I dispute something not there???

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 2022-07-25
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 FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate and ate last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} Inquiry XXXX  XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
When transferring money from my checking account ( XXXX ) to Venmo using their mobile app, Venmo had given me an error and said the bank information was not available. When I tried again on my computer a few hours later, I was able to use my checkings account to send/receive money, but then my account became Suspended due to " Your activity is in violation of the Venmo Content Standard. '' Now I am unable to transfer the money from the Venmo balance to my bank, leaving the money stuck in a frozen account. 
I've spoken to their customer support and escalation teams, but they are not providing me a reason for my account being frozen, nor are they providing any resolutions for me. 

Checking online for help, I saw that Venmo doesn't unfreeze some of these accounts until 6-18 months later. However, I do not want that money to be stuck inside the account just because of their system not working properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-23
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 these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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 XXXXXXXX

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 2022-03-30
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I put the wrong credit bureau it's Equifax Here is the company number for the wrong bureau so you can get the images I attached. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 items : XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-19
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 have attached my FTC report, driver license, police report & XXXX. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit bureaus ignoring peoples disputes, getting sued and not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the military I want to be treated right and not be treated like the people in the reports I read online. I already have health issues and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.

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 2020-11-08
Company: I.C. System, 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:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

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