BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MA
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:
XXXX is attempting to foreclose on my home and a man has repeatedly trespassed and damaged my property, including my XXXX  camera. The man in the photo has stated that he is with the bank and that he is there to see if my house is occupied. 
A broker from XXXX XXXX contacted me yesterday to offer to sell my house in advance of the foreclosure and he stated that I was on the mortgage and that my credit score is being impacted. However, I am not on the note and the bank and XXXX  attorney refuse to communicate with me. 

In addition to this, the house has been tied up in divorce court in XXXX XXXX  XXXX since XXXX, index XXXX, and no one is addressing this issue. I am on the deed and title of XXXX XXXX XXXX in XXXX, MA, and have paid the deposit for the home and again paid XXXXXXXX XXXX to stop their attempted auction of my house during divorce proceedings in XXXX. 

The mortgage holder, XXXX XXXX XXXX, stopped paying the mortgage after divorce commencement in XXXX, violating automatic orders and a court order to pay the mortgage. XXXX XXXX committed perjury in court by stating that he was willing to sell me the house and then never responded to my offers. 
I have paid several real estate and divorce attorneys including XXXX XXXX and XXXX XXXX and this has led to no results and further financial abuse. 
My credit score is being impacted by the lack of attention to this matter by the courts and I am asking for assistance from authorities. I am in finance and this impacts my ability to earn a living and to support a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT 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 2019-08-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ive been Wells customer since XX/XX/2013. I do have saving and checking accounts in Wells Fargo. I do also have brokerage account with them as well as the mortgage, and I receive my paycheck in that financial institution as well. 
I applied online to the wells Fargo Cash Wise Visa. When I read the terms and conditions there is nothing mentioning about requirements for certain or specific XXXX status in the US to be eligible. So I went ahead and applied. A few days later they sent a letter noted under # XXXX stating that my application was denied as for this reason : Not a permanent XXXX XXXX.On XX/XX/XXXX I went to the branch I have my accounts and the banker escalated this issue which was registered under # XXXX. Ten days later, XX/XX/XXXX Ive got a call from Wells Fargo advising that as per their internal policy they do not approve credit cards, unless they are secured credit cards, to people that are not XXXX XXXX or XXXX XXXX XXXX. 
My complain relates to the fact that I feel they are discriminating me in the treatment as there are other people with the same legal statues ( valid XXXX XXXX XXXX ) employed legally in the country that were able to get a credit card approved by the same financial institution. Also, if that is a true requirement for all applicants they should state it clearly in the Card Terms and Conditions form which I have with me. In the application they do not check my XXXX status and whether I have the right to stay in the XXXX  long enough to repay the debt.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called in Abt my XXXX check I received and didn't cash. I called u guys bck and informed u tht I didn't cash it. And y'all said tht you send me another check out and I haven't received it yet. And it's been 5 months now

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 2023-06-05
Company: EQUIFAX, 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:
On XX/XX/2023 I received an alert from XXXX, XXXX and Equifax that ( XXXX ) XXXX credit card accounts was open. I called all XXXX bureaus. I explained to them that Ive never had an XXXX XXXX card. I also explain to them that there was no inquiries indicating that anyone applied for a line of credit. I filed a police report, FTC report and has dispute letters. I am a victim of identity theft. this has really hurt my ability to purchase a home. I have done everything that is asked of me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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:
I have complained over 4 years regarding identity theft. I now rely upon Experian to research. I have sent sheriffs reports. FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, and XXXX of thief reflected in Sheriffs Report to XXXX XXXX AXXXX XXXX XXXX XXXX, and XXXX. And I am now sending to Experian and please request Experian to review the attached FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, XXXX XXXX, and sheriff 's reports and remove from my credit report. More specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested copies of the credit report and the permissible permission XXXX used to request Experian to send XXXX my credit report. All of this led to a fraudulent loan. XXXX has yet to send this information. I request Experian request this information and then send to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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.

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 2023-07-25
Company: JPMORGAN CHASE & CO.
State: NY
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:
JPMCB CARD SERVICES is showing as a charge off on my credit report of {$3100.00}. I was contacted once and advised the company that I never opened this account. It was possibly my ex-husbands account ( we had separate accounts many years ) or my daughter, who is deceased ( possibly opened without my knowledge? ) .Or a complete stranger. I asked the representative at the time to send me proof of my charges and signatures. I never received to and was advised that after I filled out a form for fraud it would be removed. I am in a Idre financial situation at XXXX on a limited income and am suffering from XXXX XXXX. I tried to refinance a loan and to my surprise this JPMCB appeared as a charge off. It has caused me any option to refinance due to this error that I assumed was fixed many years back. I have no knowledge who paid this account, I never provided financial information to JPCMCB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: KY
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 have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is ion fact ; inaccurate. 

Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 XXXX XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2022-01-01
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I pulled my consumer report, I seen that Paramount Recovery reported an account in the amount of {$2700.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Paramount Recovery to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To CFPB, once again Equifax is up it again placing something on my credit report without as much as even checking for verification. A company called XXXX XXXX XXXX to which I do not know and we NEVER received a single thing concerning this matter what ever it is. This time CFPB do your job and fine Equifax or my attorney and I will take this to a much higher level. We mean business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX  bureaus

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 2023-02-11
Company: Experian Information Solutions 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 accounts on Experian, XXXX and XXXX ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requested a copy of my credit report an identified that I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX XXXX ACCOUNT Updated XX/XX/XXXX past due {$430.00} Original Creditor XXXX XXXX  Past Due {$430.00} PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit Card Application applied for a credit card with Bank Of America, the credit card was not issued as a result of Bank of America 's security services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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.

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 2023-03-31
Company: EQUIFAX, INC.
State: MI
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 right to privacy and confidentiality under 15 U.B.C 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.U 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # USBK Court Nevada : # XXXX. Wisconsin Child Support : # XXXX. XXXX XXXX XXXX : # XXXX. Dept of EDXXXX # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation