BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I have an email from an employee of XXXX XXXX XXXX XXXX by the name of XXXX XXXX who analyzed my credit report and gave me a summary of the repairs that would be made on my credit report. 
On XX/XX/XXXX, I received an email from XXXX XXXX, Senior Consultant, employee of XXXX XXXX XXXX XXXX who informed me that XXXX XXXX was no longer employed by them and that he would be assisting me. 
On XXXX, I received another email from XXXX XXXX and telephonic communication who helped me to sign my contract through a company by the name of NOTARIZE through live video and audio conference call. 
On XX/XX/XXXX payment of {$500.00} deposit, XX/XX/XXXX payment of {$400.00} and XX/XX/XXXX payment of {$400.00}. 
As of XX/XX/XXXX, It was my belief that XXXX XXXX began to repair my credit. I was told by XXXX XXXX that they were going to place fraud alerts with the bureaus so that my credit would not be accessed as they were attempting to repair. As the months passed, I received lots of emails from the bureaus and saw an increase in my credit score. At some point, I had a question regarding a creditor on my credit report and was unable to contact XXXX XXXX. I kept calling and finally got an agent who told me that they were having some technical issues with their website but that they were working on it and that she would contact the back office to inform them of my concerns. I never heard from XXXX XXXX from that point. As I review my credit score now, it appears that my score has dropped to the score or below the score that I originally had when I first contacted XXXX XXXX. I'm not sure if XXXX  reversed the scores or if the bureaus reversed the score, but I would like it to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I submitted a payment through Chase bill pay through the Chase website to XXXX card to pay my husbands credit card ( my husband is also on the Chase checking account ). The payment was rejected by Chase due to security thinking it was an unusually high amount. This resulted in a financial impact of late fees and interest from XXXX. Chase stated they sent a fraud email XX/XX/XXXX however I have no record of this email. I do have a record of a separate email Chase sent on XX/XX/XXXX confirming a quick deposit but no Fraud email. I called Chase XX/XX/XXXX when I realized that I had paid XXXX and that Chase had rejected the payment ( before XX/XX/XXXX I thought that I had somehow forgot to make the payment even though I marked it paid ). I spoke to 6 representatives on XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX ) and was eventually told that credit 's over {$100.00} could not be made over the phone because there was no bank error ( Chase stated they thought it was fraud and declined it regardless of the direct financial impact it had caused me ). The worst part of this situation is that my husband and I applied for a stand alone HELOC thinking our cards had all been paid. We received a letter from XXXX after they pulled my husbands credit stating 'Proportion of Balance To High Credit on Revolving Accounts ' ( he only uses XXXX XXXX and 'Too Few Accounts Rated Current ' ( we pay all are cards in full ahead of time ). Even if Chase pays the late fee and interest ( to date they have declined any waiver due to the amount ), this in no way compensates us or resolves the issues it has caused with the HELOC application. We used our Chase account in good faith to pay a bill with money available in our Chase checking account through a secure website that we log in to each month. Because a Chase associate decided to reject the payment, it has had a substantial impact to me and my family. Chase has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
XXXXXXXX XXXX amount of XXXX XXXXXXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX amount of XXXX XXXX XXXX amount of XXXX In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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:
THIS IS MY 4TH ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO TRANSUNION, XXXX AND XXXX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )

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 2021-07-27
Company: EQUIFAX, INC.
State: NJ
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion is reporting a credit inquiry from XXXX XXXX SERVICES. I never request services from XXXXXXXX XXXX SERVICES NOR did I give them the right to access my personal information. 



I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized credit inquiries. The FCRA requires that any party requesting a consumer 's credit report must have a permissible purpose to do so, such as for a credit application, employment, insurance, or legitimate business needs. It is my belief that [ Name of Company ] did not have a permissible purpose to request my credit report. 

Here are the specific reasons why I dispute this credit inquiry : Lack of Permissible Purpose : I have not applied for credit, employment, insurance, or any other legitimate transaction with [ Name of Company ] that would justify a credit inquiry. Therefore, I question the legitimacy of their request for my credit report. 

No Authorization : I did not provide written or verbal consent for [ Name of Company ] to access my credit report. As such, any inquiry made without my authorization is in direct violation of the FCRA. 

Unauthorized Access : The FCRA requires that credit inquiries be made with the knowledge and authorization of the consumer. The inquiry by [ Name of Company ] was made without my knowledge or consent. 

Damage to My Credit : Unauthorized credit inquiries can negatively impact a consumer 's credit score. As a result, I am concerned that this inquiry may have a detrimental effect on my creditworthiness. 

I request that you promptly investigate this unauthorized credit inquiry and provide me with the following : Verification of Permissible Purpose : Please confirm whether [ Name of Company ] had a legitimate permissible purpose for accessing my credit report.

Proof of Authorization : Provide evidence of any authorization I may have given for the credit inquiry in question. 

Removal of Unauthorized Inquiry : If it is determined that [ Name of Company ] had no permissible purpose for accessing my credit report, I request that the unauthorized inquiry be removed from my credit report as per FCRA regulations. 

Confirmation of Remedial Action : Notify me in writing of the actions taken by your agency to rectify this matter within the stipulated timeframe ( generally 30 days ). 

I expect your prompt attention to this matter, as required by the FCRA. Please be advised that I will not hesitate to take further legal action to protect my rights and rectify any damage to my credit report if this issue is not resolved satisfactorily.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$240.00}

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 2023-09-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraudulent on my report : 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 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 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 2023-02-24
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AR resources inc. has been reporting a medical debt to the credit bureau in the amount of {$380.00}, according to the FCRA ( Fair Credit Reporting Act ) the new guideline that applies to all creditors that medical Bills/ collections under XXXX are not qualified to be reported to credit agencies. I called and spoke to them about it, and the lady was very rude and said that there was no such thing and hung up. 

Amount trying to be collected ( {$380.00} ) Collection issued on XX/XX/18 AR Resources inc. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX Services Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is XXXX XXXX Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My identity is being used across the internet services, my important documents revolving my medical, financial assistance, bank fraud, inheritance of information has been used as undentify or property sale 's that I've never gotten to, and all government and federal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
Under law 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report.

15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 explanation
Consumer complaint received 2019-12-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was on a XXXX XXXX from XX/XX/19-1XX/XX/19without internet access or phone service. I used my PNC debit card for expenses while onboard the ship. Mid-way through the cruise, on XX/XX/19 I received a notice from XXXX that my account had been frozen, because they were unable to obtain authorization from XXXX  for any amount over the $XXXX  currently charged on my debit card. I work for several different companies which utilize direct deposits to my checking for pay. I was unable to go online to check my PNC account, so on the last day of the cruise (XX/XX/19) I went to the front desk to satisfy my account. I was told that I owed a balance of $XXXX, and that $XXXX  had already been charged to my PNC account. I asked the cruise rep if I could use the ship's phone to call PNC to see if additional funds had been deposited to my account by my employers so that I could determine whether I should leave the PNC debit card on file or if I should use a credit card for the balance. I called PNC's XXXX customer service number to determine current available funds in my account. I was told that there was $XXXX  available on my account, so I assumed that I had adequate funds in my account to cover the $XXXX balance on my account. I advised XXXX  to run the balance on my PNC card, because I had $XXXX  available. When I returned home on XX/XX/19, I received an email from PNC stating that my account was overdrawn by -$XXXX. I called PNC and told the customer service rep what occurred. The customer service began arguing with me and telling me that both the $XXXX and $XXXX charges by XXXX had been run on XX/XX/19. I told him that could not possibly be true, because I stood and watched the front desk attendant run my card for $XXXX  on XX/XX/19. The customer service rep then stated that I also had several small transactions that had hit the same day as the XXXX charges. I explained to the PNC customer service rep that my available balance on XX/XX/19 was $XXXX, which was ample for both the $XXXX XXXX  charge and the several small transactions made on XX/XX/19 and XX/XX/19. The customer service rep was unable to provide a valid explanation for why my I was told that the available balance in my account was $XXXX  on XX/XX/19. He went on to state that PNC was charging me for six (6) overdrafts at $XXXX  each. This is a totally unfair business practice on the part of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Paypal Holdings, Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Today XX/XX/XXXX at XXXXXXXX XXXX I was picking up my room and found a debit card issued by XXXX XXXX XXXX, which is linked to my PayPal business account, under my bed. In the past few weeks I have had fraudulent activity on my personal bank account so I called PayPal customer service " ( XXXX ) XXXX '' to see if I could gain access to my account so I could log in and check the transaction records but was told that they could not do that because of some restriction I did however convince the first representative I spoke with to verbally give me some transactions on my account and I noticed ; as she was telling me the transactions on my account, that there were for sure TWO ATM withdrawals and 2 deposits that I did not make OR AUTHORIZE myself. One transaction was for {$160.00} on XX/XX/XXXX the other was for {$200.00} which occurred on XX/XX/XXXX I understand and realize that these transactions happened more than 5 years ago, but I lost access to the email and phone number associated with my PayPal business account around XX/XX/XXXX, so I wasn't able to monitor the transactions that were taking place on my account. Otherwise I would have brought this to their attention much sooner so that this could get resolved. While speaking with them I was repeatedly transferred for no apparent reason other than to get me off the phone, I was hung up on twice, and ultimately I wasn't able to update my phone number or email address on file with my account so that I can access my online transaction records without having to call customer service for help, which they were none of! Seeing how PayPal business accounts and debit cards are covered by the FDIC I assumed that I would get a refund or at least an account credit to resolve the issue since it was a transaction not authorized or done by me. The ONLY person legally allowed to authorize transactions on this account. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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