BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following accounts that are reporting on my credit report are a violation of my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are not only inaccurate they are also a violation of both of the following laws. 

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 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 2023-05-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
An individual unknown to us obtained check # XXXX in the U.S. Mail and forged the payee name on the check to themselves, forged the signature and got paid from JP Morgan Chase on XXXX separate instances with the same check : once on XX/XX/2022 ( {$12000.00} ) and again on XX/XX/2022 ( {$12000.00} ) for a total of {$25000.00}. We discovered the fraud on XX/XX/2022 when we received our bank statement in the mail and reported it to Chase immediately by phone and in person at our local branch. We were instructed to obtain a police report and the claim was submitted to the bank 's fraud department. Chase returned to us the money that was taken on XX/XX/2022 but denied returning the money taken in XXXX, citing their policy that such claims must be made within 30 days of discovery of the fraud. We didn't discover the fraud until XXXX. As we receive our bank statements in the mail, we evidently did not receive the XXXX statement as it was probably lost in the mail. Had we received the statement we would of course would have reported this theft as we did in XXXX. We filed complaints with the executive offices at Chase and they denied returning the first {$12000.00} even though they paid out on the same exact check, on XXXX different occasions, even with the same check number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello I am writing this to complaint about Capital One They are showing as delinquent on my credit report. I received a letter from them in XX/XX/2020 stating that they were going to remove the account from my report but they never did. I am in hard financial hardship now and my credit score is very low and I can not rent an apartment just because of that. The thing is that I was victim of fraud, someone in XXXXXXXX XXXX XXXX have been using my credit card and I have never been in XXXXXXXX XXXX  XXXX so I reported that to Capital One and they did not believe me so at the end I still go ahead and pay the charges in the card even after I paid they still reporting my card as delinquent and till this day the account is still showing as delinquent. I have contactef them numerous time and they always say that they're going to remove it but it is still showing till this day. 
I have also disputed it with the credit bureaus please find attached a copy of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-28
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 implore you to take action and remove these fraudulent accounts from my credit report immediately.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2021-05-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Requested a refund from merchant named XXXX. Email states it will take 24-72 hours. That time period has expired, still no refund. Have began a dispute with American Express my credit card company to have this investigated. Documents attached show the merchant stating that they " processed '' the refund, As well as a dispute case identification number with american express. Please investigate and resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-14
Company: Rushmore Service Center, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An account was being reported as charged off and closed by XXXX XXXX XXXX on XX/XX/2020. I received a letter from Rushmore Servicing Center a couple of months later stating that an account had be acquired from XXXX XXXX XXXX by Rushmore Servicing Center the letter stated that they are the current creditor and all communications would be handled by Rushmore Service Center. I sent a letter addressing this matter on XX/XX/2020, I requested to receive the original instrument of validity in its original format and not copies of any billing statements that proves that I entered into a business relationship with Rushmore Servicing Center. I received a corresponding letter from XXXX XXXX XXXX  which I found to be a little strange because I sent the letter to Rushmore Servicing CenteXXXX. The letter I received had copies of billing statements and nothing pertaining to my original request. The letter stated that this was considered to be proof of validation but it wasn't at all what I requested. So, I sent another letter on XX/XX/2020 requesting to receive the same information in the previous letter that I sent. The corresponding letter that I received today as of XX/XX/2020 was the same response I received prior to this letter but still no substantial evidence that validates my request. I recently discovered that XXXX XXXX XXXX  uses the same information as Rushmore Servicing Center and operates under the same umbrella to continuning using tactics to deceive people into believing that they owe on these so call debts when they actually don't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
Please remove these accounts from my credit report immediately, as they are fraudulent and I have no knowledge or involvement with them. This request is made in accordance with USC 1681g, and I expect that they will be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Affirm 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:
Im a victim of identity theft. Ive reported numerous times and has freezes place on all 3 credit bureau. However Affirm is still reporting false information to XXXX. Fraudulent accounts charge off that does not belong to me. I have disputed this account over 3 times I have filed police report and FTC report and signed affidavit with Affirm stating this is a Fraudulent account. Affirm keeps reporting this account is accurate and Im responsible for account. This is not my account. The affirm account change off amount is {$2200.00} date XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXXXXXX 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 2021-10-18
Company: AMERICAN HONDA FINANCE CORP
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 information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-05-28
Company: TD BANK US HOLDING COMPANY
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:
INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 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 2023-10-17
Company: EQUIFAX, INC.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, My bank account information with XXXX XXXX XXXX XXXX was hacked and someone was able to take out a fraudulent loan in my name. XXXX XXXX XXXX XXXX is aware that it was a fraud loan, but continue to punish me by stating that I am responsible for the fraudulent loan amount and that it will continue to negatively affect my credit score if it is not paid. I have called numerous times, and spoke to the manager of the loan department. No one was helpful, no one took me seriously and there was no help whatsoever offered. The person was even identified using an IP address that Ive never used before in a different state. They have no account security or recovery policies in place to help their customers who are victims of fraud because of their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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 am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2019-03-15
Company: Navient Solutions, LLC.
State: ID
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:
XX/XX/XXXX-Divorceproceedingsbeganwithmynowex-wifeXX/XX/XXXX-Mysoontobeex-wifedemandedIsignParentalStudentLoanpaperworkforourson.Irefusedbecausehewasworking;shewouldgetthemoneyandmostlikelyspendit;andweweredivorcing.

XX/XX/XXXX-Duringdiscovery,Ifoundoutforthefirsttimeshehadtakenoutseveralstudentloansandhadforgedmynameonthedocuments.Thisincludesloansforherself15yearsagoandmysoninXX/XX/XXXX,Ontheloanpaperworkprovidedtothecourt,mynameandSS#hadbeenhandwritteninonthedocumentsometimeaftertheoriginationoftheloansnowbeingservicedbyNavient.IwasadvisedtopursuethisasfraudwhichIdid.Thecourtgaveachancefornowex-wifetoprovethestudentloansweren'thers.ShetoldthecourttheloanswereminealthoughhernameandSS#oneverypageoftheloandocumentsandminewashandwritteninafterthefact.

XX/XX/XXXX-XX/XX/XXXX-Asaresultof17phonecalls,handwritingsubmissions,andsubsequentanalysisbyNavient,itwasdeterminedthesignatureswerenotmineandpositivelymyex-wife's.Requestsweremadetotakemeofftheloans.Navientsaidtheyneededacourtordersayingtheywerenotmyloans.

XX/XX/XXXX-Incourt,myex-wifeprovidedthesamestudentloandocumentsasbefore.TheJudgegavemyex-wifeonelastchancetoprovethestudentloansweren'thers.

XX/XX/XXXX-WewenttocourtafterItoldmynewattorneyinXX/XX/XXXXthatIneedtheJudgesrulingtoprovidetoNavienttoremovemyhandwrittennamefromtheloandocuments.TheJudgeruledmyex-wifehadn'tprovedtheloansweren'thersandthereforewereawardedtoher.IprovidedthecourtrulingtoNavientandtheDept.ofEducationand.requestedmynameberemovedfromthestudentloans.

XX/XX/XXXX-XX/XX/XXXX-Navientwasremovedfrommycreditreport.

XX/XX/XXXX-present-I'vereceiveddozensofphonecallsandlettersfromNavientlookingformyex-wife.I'vetoldNavientthatthisisnotmyex-wife'saddress,norphone#andhavegivenherstothemonmultipleoccasions.

XX/XX/XXXX-IreceivedaphonecallfromNavientrequestingIsignpaperworkformyex-wife,Irefusedandtoldthemtheyhaveacourtorderandtheyneededtoleavemeoutofit.Again,Igavethemheraddressandphone#timeandtimeagain.

XX/XX/XXXX-Navientputthestudentloanonmycreditreport

Company response to consumer: Closed with explanation