BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion refuses to allow me to access my credit freeze/unfreeze technology on their website and simply states for weeks now : Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX. - XXXX XXXX and Saturday - Sunday XXXX XXXX - XXXX XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a special order from Home Depot in XX/XX/XXXX, which was charged on my Home Depot Citibank card. This order was to be delivered in XXXX of XXXX. It was never delivered. In XX/XX/XXXX I raised a Dispute with Citibank which they closed with no explanation and pointed me back to Home Depot. Inspire of my various attempts to reach Home Depot I did not get any response from Home Depot for over 6 months. Yet I had been paying my credit card minimum balance due each month thru XX/XX/XXXX. In XXXX I again filed a dispute with Citibank that the services have still not been delivered by Home Depot. At that point I had to stop making payments as I had no product for which Iw as paying for over one year already. Citibank started harassing me with collections calls multiple times a day, in the mid night and so on. Citibank also reported this to Credit Reporting agencies XXXX, XXXX and XXXX. Even though there is an active dispute with Citibank. The services from Home Depot against this transaction have still Not been delivered its end of XX/XX/XXXX. The amount is {$35000.00} approx. I m not getting any response from Home Depot still and Citibank is harassing me for the balance for a transaction which was never fulfilled or delivered. 
Kindly help me with this issue, Really appreciate your help Thank You

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 2023-10-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase credit had inquire of my credit report. I didn't apply for any new loans or cards. I haven't dealt with chase credit card for years. Look like someone has got ta ahold of my social and trying to take out a chase credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have diligently reported to all bureaus that I have been a victim of identity theft and that accounts originating from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  are subject to investigation into the theft of my identity, as unknown accounts have been opened in my name without my knowledge or consent. Inquiries as well the address that appeared on my credit report previously as a result of this creditor HAVE been removed from all bureaus Correction to my credit report. I Demand this account be removed from my credit report as it is very detrimental to my livelihood. 

I tried applying for a home using a Loan with my credit, when I was devasted to find out that there are several inaccuracies on my credit within : addresses, accounts, and debt that I have never applied and sign for. 

According to as per Section 623 of the FCRA 15 U.S.C, 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
I sent a dispute letter addressed to the Credit Bureaus requesting the removal of the unfamiliar accounts being reported on my Credit File on XX/XX/2023. I believe this is a case of fraudulent activity and I requested that the Credit Bureaus conduct an investigation and if possible, remove the disputed accounts off of my Credit File as soon as possible. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required by Federal Law to remove any accounts and information that resulted due to fraudulent activities. I am submitting this Complaint today to follow up the previous Complaint I submitted. Once again, I need the following accounts removed from m Credit File as soon as possible : permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. If the Credit Bureaus investigation find that I legally own these accounts, please send me copies of documents supporting such claims bearing my signature. In the absence of such documents, immediate removal of the disputed accounts will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all 3 credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute one item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-11-20
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:
Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax, XXXX, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive had a fraud alert on my credit profile for a couple months now and I am still getting hard inquiries to my credit report. I have no knowledge of any of the hard inquiries on my credit report, which is a result in identity theft.

Company response to consumer: In progress
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NV
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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 

EQUIFAX, XXXX, AND XXXX ARE reporting late payments on FOR 69 MONTHS- and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EQUIFAX, XXXX OR XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

UNDER ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) EQUIFAX, XXXX AND XXXX ARE NOT AFILIATED WITH FIRST PREMIER BANK. 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is regarding an existing issue with transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-07-12
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:
I am showing as an authorized user on someone else 's account ending XXXX with XXXX XXXX and this is being reported on my credit report. I have contacted the XXXX XXXX today XX/XX/23 asked they remove me as authorized user from this account immediately and provided all factual information to verify my identity-the representative failed to assist me and is forcing me to remain on a derogatory account that is reporting on my credit and is not mine. This is causing damage to my credit rating. The account belongs to XXXX XXXX and I am able to view all of his account details on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NY
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'M XXXX XXXX XXXX ORIGINALLY NAMED XXXX XXXX XXXX AS WELL AS XXXX XXXX XXXX XXXX XXXX THROUGH TWO JUDGES JUDGE XXXX  XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX  WITH XXXX  CASEWORKER XXXX XXXX AND XXXX XXXX XXXX SUPERVISOR ALONG WITH SUPERIORS XXXX XXXX AND OTHERS NOT CHANGING MY NAMES IN ORDER TO HELP ME AGAINST XXXX XXXX  INSTEAD INVESTORS WERE PLACED ON MY SECTION 8 DOCUMENTS ALLOWING HARM TO ME AND MY SON OVER 20YRS.  DUE TO MULTIPLE IDENTITY THIEVES FOR MULTIPLE YEARS YOU'VE HELPED ME WITH, I DO THANK YOU ALL SO MUCH DOING ALL YOU COULD ALONG WITH MY HAVING TO LEAVE MY SECTION 8 XXXX XXXX XXXX A DAY AFTER MY GRANDMOTHER'S BIRTHDAY THESE THINGS STILL REFUSE TO LEAVE ALONE.  NOW I'M TAKING THEM ALL TO COURT ALONG WITH FIDELITY INVESTMENTS.  WISH WE LUCK.  

ANYHOW.  I'M HERE TO CORRECT AND UPDATE MY MAILING ADDRESS TO ALL THREE CREDIT BUREAUS AS WELL AS REMOVE HARD INQUIRIES AS YOU ALL KNOW STILL ON MY CREDIT REPORT AFTER TWO YEARS AS A CAREER STEALING MY GRANDMOTHER'S NAME XXXX XXXX  AND USING THE QUEEN XXXX  THROUGH XXXX XXXX   SAD BUT TRUE.

I HAVE MY LETTERS WRITTEN TO EQUIFAX, XXXX  AND XXXX  FOR SOME REASON KEEPS TRYING TO MAKE ME OUT TO BE WHAT THEY WANT FOR THEIR BENEFIT AND NOT MINES TRYING TO PIN POINT ME IN THE XXXX COMMUNITY I AM NOT OF NO WAY NO HOW BUT THEY KEEP TRYING AND YOU ARE MY WITNESS.  THEY EVEN TOOK MY GOOD CREDIT SCORE TO AN ALL TIME LOW I'VE NEVER HAD IN THE 500'S.

MY ADDRESS IS CURRENTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVADA XXXX.

I NO LONGER USE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX AND XXXX XXXX XXXX XXXX XXXX NEVADA XXXX.

I'VE BEEN AWAY FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVADA XXXX SINCE XXXX XXXX XXXX AND HAS NOT ACCEPTED SECTION 8 SINCE XXXX XXXX XXXX DOCUMENTED GIVEN BUT NOT ADHERED TO.

PLEASE HELP.  THANK YOU SO MUCH. GOD BLESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX XXXX late payments are on my credit score and i have submitted letters and also called the XXXX in XXXX to this payment should not have been reported late i never received the billed for those 2 months that are marked late on my closed XXXX XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b

Company response to consumer: Closed with explanation