BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights XXXX 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
There is a collection that appear on my credit report which I know nothing about, I don't have any knowledge about the debt. I'm challenging the validity of this record showing a debt that is recorded in XXXX XXXX under the FCRA, Fair Credit Reporting Act, Section 609. I am asking to verify this record. If the record can not be verified, I request the record to be remove from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2020 a man came to my home to do labor for me. When he got here, I sent him {$100.00} over XXXX for the work, he then promptly drove off and disconnected what was apparently a burner phone. I have no means to contact that man now. Everything he gave me information-wise apparently was made up. 

I called Wells Fargo to have this reversed and they simply stated to me that deep down in their Terms and Conditions for XXXX that if you authorize a payment that you can't have it reversed. That's perplexing to me provided my bank supposedly offers insurance on their accounts / services for scams and fraud on transactions / transfers.

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 2023-08-28
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: KY
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 keep asking you to remove this suspicious data, so please do. Because I don't think you checked these things, I'm going to sue you for breaking Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I mentioned this in my last COMPLAINT #, but I'm including it again. Please do not ignore my request to correct these false entries in my file : XXXXXXXX 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 2019-08-04
Company: JPMORGAN CHASE & CO.
State: MA
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:
My card was charged in Fall of 2018 for charges in XXXX when I was in that country, I provided a copy of my passport which showed that I was not in the country when the charges were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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 status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions 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:
In XX/XX/2022 I receiced my consumer report now 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 asa 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 2022-03-02
Company: Klarna AB
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi I submitted the payment to Klarna the other day to resolve the issue. I wasnt aware it was sent to a debt collector and they took my money for that payment already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX, will be doing a complete restructure of my current debt obligations outside of any bankruptcy filing. There is little hope for me if I continue carrying my current debt obligations unless I negotiate and settle my affairs directly. My biggest debt is with my mortgage, and I believe that I can modify my mortgage and get a forbearance time period so that the additional pressing debt issues are settled and resolved. Accordingly, I am request a modification package be sent to me in my email and/or to my home directly. This modification request will be completed by XX/XX/2019.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$8000.00}

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 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/ Monday I called Equifax to report that I logged into Equifax com and could not see my credit report or my debts that were reported. I had to access XXXX XXXX to see my scores and debts that was on my credit and I'm not sure if it is even accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
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 2018-04-30
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had taken out a payday loan from Speedy cash for {$800.00} in XX/XX/XXXX. 
During the repayment process I had reached out to them to let them know I was having a hard time paying weekly. Unfortunately they kept taking payments from my account which caused problems with al my other bills. I closed that account because they wouldnt stop. During that time I was moving and had some other health issues going on and ultimately forgot about the end of the loan payment. 
XX/XX/XXXX I was served at work with a law suit from speedy cash for {$1900.00} and lawyer fees of over {$700.00}. Ive never been in that situation before and didnt understand what was served to me. While I was doing research and and working time had gone by and saw a judgment had been made against me. 
This was my second loan I had taken from speedy cash. The first loan I payed off almost immediately. So, for them to take this as far as they did for {$300.00} is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified 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 2022-03-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The incident happened XX/XX/2022. I was trying to transfer money to a friend who have Wells Fargo account. My personal bank is with key bank, for that reason I took cash to Wells Fargo. The clerk took {$2500.00} cash then put it his drawer. Then he told me he can not transfer cash. It has to be check. So I gave him another {$2500.00} on check. He told me since he already put the cash in the drawer he will deposit it in my person account. I agreed then asked a receipt for both the check I gave him and the cash he said he will deposit back to my account. The clerk and manager gave me two receipt, but both of them were for the check. I checked my bank account after XXXX and the money hasnt deposited. I went back to the bank on XXXX 2022. The clerk and manger agreed that I gave them the cash. Then they told me to come back on Monday the XXXX hoping they will give me the money back. Unfortunately, the clerk first denied for even taking a cash from me. But then both the clerk and manager said yes u gave us cash but we gave you back after an hour of conversation. They have been changing their word so many time which I decide to record on my phone. I have that for evidence and the two identical receipt they gave me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Commonwealth Financial Systems, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: AL
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 consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Chase closed account number : XXXX XXXX  XXXX XXXX for no good reason. Chase closed account around when unrecognized charges were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : 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 2023-08-16
Company: Experian Information Solutions Inc.
State: VA
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:
In XXXX I sent a letter to Experian, and received no response, nor received any indication of investigation of these erroneous accounts that are on my credit report. This inaccurate information affects me daily, and is affecting my ability to remain employed and secure housing. I have reached out to Experian over and over again, explaining that there are gregarious errors within my consumer report, and time and time again they do nothing. I can not stand for it no longer and need someone to step in and step up to these bullies! Please help me reclaim my rights! This is not fair and prejudicial to continue to display this information that is not mine.

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 2023-08-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief