BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$38000.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$7900.00}. Please delete ASAP.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

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 : Dept of Education XXXX XXXX XXXX, Account name : Dept of Education XXXX  XXXX has violated my rightsTransunion deleted one account but not the others they all belong to same account. 
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 to any containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-04-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX/ Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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: Closed with non-monetary relief
Consumer complaint received 2023-05-04
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 XXXXXXXX, 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 an 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: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.

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 2022-10-27
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Re : Errors on my checking account Dear M & T Bank, I am writing to request a correction for a dispute placed on XX/XX/2022 in regards to a charge placed on XX/XX/2022 and processed on XX/XX/2022 for {$140.00}. 

Dispute 1 Account Number : Dates associated with Item being disputed : A charge for a {$140.00} on XX/XX/2022 ; dispute placed on XX/XX/2022. 

Explanation : I disputed a charge with M & T bank on XX/XX/2022 that was placed on XX/XX/2022 via XXXX XXXX split transfer. Meaning a portion was paid via XXXX XXXX and the remaining balance was obtained via my M & T bank card. The reason being is because I purchased three hoodies in support of XXXX  XXXX in support of the XXXX XXXX XXXXXXXX XXXXXXXX XXXX in XXXX Ny in which occurred on XX/XX/2022 ; in which I have not received the merchandise, a refund of my money, or any communication from the merchant. I purchased the hoodies from the merchant XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Ny. The merchant XXXX XXXX XXXX XXXX informed me that I would receive the hoodies within a week of the date off purchase, however it has been 2 months and 7 days and I have not received the merchandise or a refund. I have attempted to contact the merchant on 20 separate occasions via his business platform via social media, his cell phone. The merchant has failed to respond to me via text message, or via social media. In addition to changing his business page names, removing himself from specific social media platforms such as XXXX ; along with disconnecting his cell phone. Due to multiple failed attempts, I have contacted the police and sought out a charge dispute from M & T bank due to being scammed due to financial infidelity. 

I have attached a copy of supporting evidence that supports I never received any merchandise from the merchant or a refund of the payment in which I also requested 20 times within a two month and 6 day period of payment sent. In addition I have also filed a police report as per XXXX ; a customer service representative I spoke with from M & T account services on Friday XX/XX/2022 at XXXX XXXX. I additionally have reported the merchant to crime stoppers and filed a formal complaint to the Federal Trade Commission for Fraudulent activity. 

Thank you for your assistance. 
Sincerely,

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

XXXX XX/XX/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  XX/XX/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 2022-04-30
Company: EQUIFAX, INC.
State: VA
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 U.S.C. 1681 Account List : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have all 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I attempted to use the automated system to make my auto payment with Chase ( as I have done for over two years ). Chase has put a restriction which prevents me from making my payment. This is because I requested they stop calling me at work. I called the number in XX/XX/XXXX, verified my account, social security number and make of vehicle. A Chase representative answers the telephone. I provide the same information again. The representative would not assist me because I would not give him my full birth name. This should be easily verified, since Chase states they record telephone conversations. There is nothing in my agreement that state I have to give you my birth name, especially since I provided my first and last name, social security number, account number and make of vehicle. The person then hung up on me. Chase denied me making the payment on time, because I requested they stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 58 calls in less than a week for a bill thats not even in collections or over 60 days late. I feel its insane to harass me in such a way. I told them I get paid this Friday and the calls continue from several different # s and unknown callers but its all comenity bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$7900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the following account : XXXX - XXXX XXXX XXXXXXXX. I neither initiated nor authorized the opening of this account, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of this account. To support my dispute, I am furnishing the subsequent information : Identity Verification Documents, FTC Report and Filled out Form from your bureau. I kindly request that you furnish a written acknowledgment of the receipt of this dispute letter and keep me apprised of the measures taken to address this issue. While I understand that resolving identity theft disputes may necessitate some time, I implore you to expedite the process to mitigate any adverse impact on my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-05-04
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In XXXX  v. Trans Union XXXX., XXXX XXXX ( XXXX.XX/XX/XXXX ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's 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 2023-09-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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