BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2021-10-19
Company: EQUIFAX, INC.
State: MD
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NY
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XX/XX/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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
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 over charged for over draft fees on my bank accounts.

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: EQUIFAX, INC.
State: IL
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 completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete for Violation 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX Please remove this inaccurate information from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from 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 non-monetary relief
Consumer complaint received 2023-04-20
Company: HW Holding, Inc
State: PA
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 to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States 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. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' 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. Hunter Warfeild INC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, Hunter Warfeild INC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And Hunter Warfeild INC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Hunter Warfeild INC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Kimball Tirey & st J have put multiple accounts on my credit refuse to follow ANY federal laws refuse to validate any accounts refuse to respond make threat against and call my elderly mother and demand XXXX in payments on a account that hasn't even been validate or showed proof I owe total XXXX XXXX  telling me were lawyers we can do want ever we want this company has contact my family telling them Im a " XXXX XXXX '' and a " XXXX '' and give them personal information and spending slanderous and defamation even tell my kids dads a " XXXX '' and doesn't pay his bills even call my kids cell phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  ), Chase bank authorized a payment from XXXX with the amount of XXXX. I then disputed the charged through Chase because this charge was unknown to me. Chase sent a temporary provisional credit of the same amount a few days after. They sent this credit and started the claim on XX/XX/XXXX. Chase Bank then disputed the transaction and voided these tickets on my XXXX account. Im assuming that this bank contacted the merchant and was able to cancel the tickets. I thought everything was going right. Suddenly on XX/XX/XXXXXXXX  Chase Bank reversed the claim and then took the {$490.00} credit which was supposed to go back to me but was taken away from me once again not from the merchant but from the bank. I am now at a loss with XXXX because they said the financial institution ( which is Chase in this case ) had disputed the transaction and now they have told me to contact Chase to get the money back. Also XXXX had said they sent me a refund on XX/XX/XXXX but was never sent anything, nothing on my bank statement states that there was any money refunded back to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Account information incorrect

Complaint:
Dear Representative : I am writing because I found some information that is inaccurate on my credit report. You are reporting a late payment on XX/XX/2017 on the XXXX XXXX XXXX XXXX  account. 

This is not true, I was not late on XX/XX/2017.

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 2017-11-07
Company: DISCOVER BANK
State: KY
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:
Since XXXX 2017, my Discover It Chrome Card has not been showing up on my XXXX XXXX XXXX it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly XXXX points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the Discover Card on the XXXX report ; it 's on the XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: NC
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 submitted the complaint earlier along with the XXXX report showing that a Chapter XXXX was removed from my credit file ; however the file is password protected. Here is the password to open the file. 

Password : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have contacted One Main Financial at the beginning of XX/XX/XXXX to get a permanent loan modification for account number XXXX. It would lower the interest rate and lower the payments monthly for me. When i first called to apply, I was given a hard time by the first rep i spoke with. The rep asked me " What is my medical condition? That would justify a loan modification. " That is a HIPPA violation i explained to the rep. He proceeded to say, " we have an interest to know what the medical issue is because I have an unsecured loan with One Main. Basically saying they have a right to know. I asked for a supervisor. I was then in contact with XXXX XXXX throughout most of the duration. She took my application over the phone and noted the account accordingly. I then waited a few days. I spoke to a rep in customer service who advised I would need to fax in proof of medical expenses from a bank account with 2 months worth of statements. I explained I either pay in cash at the doctors or with a credit card. Otherwise, my bank account would be in the negative. I would have a deficit of income if i didnt pay with credit card. On XX/XX/XXXX my modification was denied due to not meeting the guidelines as there is no reduction in income. I have {$13000.00} in medical bills, 12 payment plans with various doctors. There may not be a reduction to my income yet, but there will be within the next month. I am on FMLA and I am required to use all my paid time off first, once that is exceeded then the time off is unpaid. I have various doctors appointments almost every other week. With that said, my hours will be reduced without pay. Im trying to be proactive and get a jump start ahead on this matter before it damages my credit rating. on XX/XX/XXXX I was able to get One Main to let me make a deferment payment to get me current for now. I will be past due again after XX/XX/XXXX and unable to make the payment in full. One Main does not care about my financial situation and does not care if i can make anymore payments. They proved that by denying the loan modification. Eventually, this loan will be closed, and charged off and sent to collections due to them not helping me during this time of pandemic with my health issues and covid-19. The account number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
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 WAS INCARCERATED SINCE XXXX released XX/XX/XXXX I have uploaded, faxed, mailed my police reports Time served paperwork and released date of prison.i would like this resolved it's been over 30 days I honestly feel I am being over looked at because of my incarceration. I should only have my vehicle loan on my credit report ( XXXX XXXX ) This is unfair and I would like this resolved or I will consider filing grievances thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I purchased a product called : " TransUnion Report, Score, and 3-Bureau Credit Monitoring ''. I noticed the same day that it was not giving me access to the product after I purchased it and was trying to make me pay again. It gave me my TransUnion Report and Score but not the three bureau credit monitoring. On XX/XX/XXXX, I spoke with an agent and they thought my problem was logging in even though I explained that wasn't the issue. After being on hold they said they couldn't figure it out so they put me on hold again and then put me on with a supervisor. After I explained to the supervisor what the problem was, I heard silence for maybe a minute, then it took me back to the initial prompt you get when you call. The supervisor had hung up on me. I then got an agent online. I gave my information, and explained the problem. The online agent first told me that I had only paid for the TransUnion score and report, but I told them I had the receipt which said " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' and was charged the amount the product costs, XXXX. I provided the order number and date of purchase as well. They then told me that 3 bureau credit reporting and 3 bureau credit monitoring were two different products, and that I would have to pay again to get credit monitoring. I clicked on credit reporting and saw that I didn't get the other two credit reports either. So this explanation made no sense. They didn't offer a refund but when I pressed them I asked for a refund and they gave it to me. They then charged me and issued a refund again for the amount they had just charged me. I was appalled by how deceptive this product was and how they tried to get me to pay again for a product I had already purchased and had a receipt for.

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act CREDIT BUREAU ACCOUNT NAME & # has violated my rights on DATE ACCOUNT OPENED for BALANCE OWED. 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 instruction so therefore I need these accounts removed immediately.

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 2022-12-20
Company: EQUIFAX, INC.
State: CA
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 the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief