BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-11
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have contacted this company and sent them letters with all of the required information to prove that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 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 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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Well, I contacted XXXXXXXX XXXX XXXX  and they informed me that the information they were reporting was from Equifax. They also sent me a letter stating that they were not reporting bankruptcies that Equifax keeps reporting on my credit profile. I called Equifax and they told me to get a deletion letter from XXXX. I had already provided all the proof to them and they still will not take the inaccurate information off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Adler Wallach & Associates, 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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a collection on my credit report by the name of AWA Collections for the amount of {$440.00} I've been disputing this collection since XX/XX/XXXXXXXX  I have no knowledge of this debt and XXXX investigation came back verified, which i disagree therefore i took matters in my own hands called the creditor asking for a purchase agreement with my signature gave them ample time and never received it, i also advised them I'm a victim fraud. Again I reached out to XXXX  to dispute and asked them to provide proof of investigation since I've been disputing it going on 6months and they also couldn't provide it. I've also provided them with my FTC report. 
I've disputed various items on my credit report due to my identity being taken in XX/XX/XXXXXXXX  that is reported on my FTC along with the police report and they have failed provided me proof of their investigations to those fraud items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan

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 2022-04-19
Company: Experian Information Solutions Inc.
State: SC
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 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 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 2022-11-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I have an account with TD nano that XXXX sends my checks to every month. I have been having someone steal the numbers off of my debit card without my knowledge. They have tried to take my card number and use it without the chip on the card. I am confused as to why my card is being used without the chip. I don't see the point of a chip on the card when I was informed that the card could only be used with the chip. I have been having to go to the bank because if this to get a new debit card because they have allowed this tip happen behind my back. Last time I went I spoke to the teller gave her my information and was told to speak to another teller. XXXX minutes later I recieved a text that I ignored from TD bank since I was already sitting with the manager setting up a new card. I set my pin, went to the atm and used the card when I came home I checked my balance and the pin didn't work anymore. I went back to explain to the manager at broad and XXXX, what happened and she gave me an attitude telling me to leave and wouldn't change my pin. I called the police they told me tip go to another TD nano instead I'd fixing the problem and wouldn't give me her bosses number. After I went top a new bank and changed my pin it wouldn't work at the atm. I was then forced to write down my account number to withdrawal money after being told I'll revive a new card in the mail when it only takes to minutes to make a new one. On my way home I recieved a text saying thank you for sharing green XXXX when I looked it up someone at the bank used my money to open another account without my permission. I then read the contract and realized they said they can do as they wish with my account on the contract. XXXX told me before hand that the contract wouldn't apply in their own words no one should be going into my account under federal law no one but the XXXX account holder should be able to touch my funds. When I signed for this account I was already aware I'd the fake that they can't take money out of my account without my permission through goverment law. I just recently put these XXXX checks in a bank account with TD bank thinking that mine and my child 's account would be safe. I even spoke to someone on their phone line on the back of the card and asked them to put it on record that no money but XXXX money goes into the account and no one but me touches the account which is on record. Please help im really not XXXX XXXX and didn't get the chance the switch the account to another bank. The reason I put this income in TD bank wad because XXXX XXXX allowed someone to do the same thing and use my card without my knowledge. I would really like both top be researching and refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 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 2023-08-23
Company: DISCOVER BANK
State: FL
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:
Hello, This is the third complaint that I am filing against Discover it card. It has not been solved. I was not in the country and my card was being charged, I provided them proof that I was in XXXX and not in the USA, but they continued charging me and did not reimburse me for these charges. The charges were equal to {$17000.00}, and I saw this when I returned to the US. I provided everything to them about the charges and how it was not made from me but they are no help. It has been almost a whole year since I have been disputing this and nobody has helped. {$17000.00} is not a small amount, so I need to be reimbursed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CITIBANK, N.A.
State: MA
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:
Over 2 days I had 2 hard inquiries on my credit report from Thd/Cbna that were made, that weren't me, and I gave no permission, and am no co signer of any kind! 1 hard inquiry was XXXX, 1 XXXX. The company is located in XXXX Tennessee, I've called repeatedly, but theres no custom service, and no live agent to speak with! I fear this may be identity theft, or possibly a debt collector making illegal hard inquiries on my credit report! The dates of these instances were around XX/XX/XXXX of XXXX separate hard inquiries

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 2021-09-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: In progress
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: MN
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:
jp morgan chase and its affilates continue to use my report fraudulently and illegally jp morgan chase is illegally sharing my data with its affiliates despite my will and in violation of the law. 
i have no contract with these companies and have not given them permissible purpose to use my name reports or likeness. this is in violation of several laws and my rights. including but not limited to Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Specifically, Section 604 of the FCRA requires that a consumer must provide written consent before a company can obtain their credit report. 
Section 607 also prohibits credit reporting agencies from disclosing a consumer 's credit report without a permissible purpose, such as employment or credit applications. 
Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq. 

Specifically, the GLBA requires financial institutions to protect the privacy of consumers ' personal financial information, including credit reports. 
Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510 et seq. 

Specifically, the ECPA prohibits the interception of electronic communications, such as email or text messages, without the consent of the parties involved. 

Minnesota Government Data Practices Act ( MGDPA )- Minn. Stat. 13.01 et seq. 

The MGDPA regulates how state and local government agencies collect, use, and share personal information, including credit reports. 
Minnesota Consumer Credit Reporting Act ( MCCRA )- Minn. Stat. 13C.01 et seq.

The MCCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Minnesota Personal Information Privacy Act ( MPIPA ) - Minn. Stat. 325E.61 et seq.

The MPIPA requires businesses to provide notice to consumers about the collection, use, and sharing of their personal information, including credit reports. 

it is illegal for XXXX  XXXX and XXXX to continue to share this information without my consent and especially as i have made it known this data is fraudlent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
PayPal : Earn 10 % Cash Back On Purchases ( Limit {$30.00} ) Paying with Paypal through XX/XX/XXXX, up to {$30.00} cashback ( XXXX rewards points ). 

I had successfully activated the promo code, and the webpage said I was eligible, and then I made a {$300.00} purchase on XX/XX/XXXX, according to which I should get 10 % within 14 days, its been 21 days today, and I still havent gotten 10 % Rebates in USD {$30.00} or XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive had an account with Wells Fargo with my savings and things have not been going right with receiving payments as to being given fees for something I dont even know what theyre doing on my XXXX XXXX either.

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 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXXXXXX XXXX and capital one both are reporting that i have had an account with them in the past. both companies report i have late payments and a bad history with them. For the record i have never had a credit card with either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
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. Account Name : XXXX XXXX account number XXXX, XXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX. 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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-11-23
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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