BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: NAVY FEDERAL CREDIT UNION
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 account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called Navy Federal over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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 contacted Equifax as well as the 3 companies concerning hard inquiries once I received my credit report. I spoke with a representative and he stated that it was nothing to be done other than wait for it to fall off my report. I filed a FTC report and informed the representative of this information. I didnt give permission for these companies to access my information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn Credit Corporation are attempting to extort and rob me using deceptive, misleading, and abusive practices against me personally, my family, and my household. This is criminal activity at least and unacceptable by every means. This is notice that I do not recognize the Respondent from which the Claimant has received a computer-generated account statement, and I must necessarily dispute, part, or all, of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2020 I asked for proof of IC System 's claim of an alleged debt for an XXXX bill and I also asked them to not communicate with me as I am represented by an attorney on page 3 of the letter that I sent them attached hereto. This is a violation of the FDCPA. I am requesting that the CFPB investigate and have IC System contact my authored rep.

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 2022-10-31
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:
My name 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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CHASE Bank ( Whom I have no accounts with ) is continually sending me debit cards for new checking accounts being opened in my name repeatedly with almost all of my information except a proper email address which is the fraudster 's. 

I filed a police report locally with the 3 new checking account 3 's initially. Chase Bank thanked me for my help and cooperation and said they would flag my name to keep it from happening again.

Now my wife tells me I have a 4th debit card just sent to the house in my name again.

And Chase is beginning to inquire about why I am not replenishing the negative accounts for money in the realm of $ XXXX in some accounts. 

I imagine someone is making over {$100000.00} a year easily if they are doing this too many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions 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:
PLEASE BE ADVISED THAT THIS IN FACT A HUMAN BEING. TO WHOM IT MAY CONCERN, MY CONSUMER REPORT HAD A FEW ACCOUNTS LISTED AND TO MY KNOWLEDGE AND UNDERSTANDING, I REALIZED THE ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM AMAZED TO FIGURE OUT HOW MY INFORMATION WAS FOUND AND USED TO OPEN THE ACCOUNTS. I RECIEVED AN EMAIL ALERT THAT MY INFORMATION WAS LEAKED IN THE XXXX AND EXPERIAN DATA BREACH, AND THAT'S THE ONLY WAY I COULD THINK OF AT THIS POINT. I AM HIGHLY XXXX AND UPSET THAT SOMETHING OF THIS NATURE COULD POSSIBLE HAPPEN TO ME AND THIS IS IN FACT A VERY SERIOUS MATTER. IT HAS DAMAGED MY REPUTATION AND HAVE PLACED ME IN A SPACE OF EMPTINESS, I AM VERY DISHEARTENED AT THE FACT THAT SOMEONE WOULD ATTEMPT TO USE MY PERSONAL INFORMATION TO OPEN ACCOUNTS. I AM PERSONALLY SENDING YOU THIS MESSAGE NOTIFYING YOU THAT I DID NOT GIVE AUTHORIZATION NOR AUTHORIZED IN WRITING OR TO THE COURTS NEITHER OF THE ACCOUNTS TO BE OPENED. THE ACCOUNTS NEED TO BE DELETED PERMANENTLY AND IMMEDIATELY PURSUANT 15 US CODE 1602 ( P ) THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER ACCORDING TO 15 US CODE 1681 ( A ) ( 4 ) THE LAW STATES THAT INACCURATE INFORMATION IS BEINF REPORTED TO MY CONSUMER REPORT AND IS CAUSING MAJOR DISTRESS FOR SOME TIME NOW DURING THE PAST FEW YEARS AND THE PANDEMIC OF COVID 19. BEING THAT I DIDN'T AUTHORIZE THE ACCOUNTS, OR TRANSACTIONS, THIS IS IN FACT AN ACT OF IDENTITY THEFT. ANY ACCOUNTS OPENED FRAUDULENTLY WITHOUT A CONSUMER AUTHORIZATION OR WRITTEN AUTHORIZATION IS A FORM OF IDENTITY THEFT AS I STATED ABOVE. THE ACCOUNT 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. THE ACCOUNTS WEREN'T OPENED BY ME AND IT CAN NOT BE VALIDATED THAT I OPENED ANY THE TRADELINES. ACCORDING TO 15 US CODE 1681 S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY AND PERMANENTLY. THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX ARE IN LITIGATION AT THIS MOMENT.

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 2023-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: In progress
Consumer complaint received 2023-04-05
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/22, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on I C SYSTEM ( XXXX XXXX ) XXXX Balance {$660.00}. 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 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 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
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 2023-08-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am following up with CFPB Complaint Case XXXX. 

I complained that a teller at the XXXX bank provided me false information to delay my dispute submission which took me outside of the 60 day liability window within Regulation E. Truist did not address this item in their response at all and it leads me to believe they find this to be an acceptable practice which ultimately harms consumers such as myself.

I received the response letter that states " the documentation that was requested from Centralized Fraud Claims did not provide specific detailed information such as a receipt or confirmation email from the merchant to move forward with your case. '' Why is my dispute of merchandise not received impacted by the " centralized fraud claims '' team? I don't even know who this group is and how is it my fault that they didn't provide the receipt? That doesn't even make sense. It is the banks responsibility to disprove my claim. Please engage your legal department to ensure you have a proper interpretation of Regulation E as I find this case to be a violation of law. The subsequent letter they sent says that my dispute was denied because the transaction was authorized. Of course it was authorized. I never said it wasn't ... My dispute is that I didn't receive the merchandise. Please review my dispute as submitted and provide a lawful outcome that doesn't violate 1005.11 and the various requirements in that regulation. You have the claim categorized incorrectly and the fraud team is reviewing a dispute that wasn't submitted as fraud.

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 2023-04-08
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data XXXX  and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to TransUnion requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX TransUnion sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. TransUnion did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to TransUnion I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. TransUnion wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score. 

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- TransUnion XXXX XXXX and XXXX all have different dates opened reporting 2. High Credit-TransUnion, XXXX and XXXX all have different high credit amounts reporting 3. Last Date Reported-TransUnion, XXXX and XXXX all have different last date reporting 4. Date Last Active- TransUnion , XXXX and XXXX XXXX have different date last active reporting 5. Date of Last Payment- TransUnion and XXXX have a different date of last payment reporting than XXXX XXXX. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from TransUnion, XXXX and XXXX Thank you ***All reports mentioned are were uploaded to this portal

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 2023-01-25
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Not sure if this is where to file a complaint at for Credit Karma. I had offers of pre-approval for credit cards and loans. I was denied for multiple ones. I did receive XXXX loan but feel that they are a scam. I am not sure what to do. My credit score dropped tremendously and the loan that I did get has not helped like it was supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
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 2023-02-15
Company: Velocity Portfolio Group
State: IL
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 am writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance. 

I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined. 

I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action. 

Thank you for your prompt attention to this matter.

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 2021-11-11
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the ASSETCARE LLC ( XXXX XXXX XXXX ) XXXX Balance {$84.00} still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with non-monetary relief