BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IL
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:
Equifax have violated my consumer rights by furnishing inaccurate information on my credit report. 15 USC 1681a ( 3 ) Congress made it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave them permission and they did not exercise their grave responsibility, they were unfair, impartial, and most importantly did not respect my right to privacy. I never provided them with written instructions nor gave my consent for them to furnish any information. I just recently found out that I was a part of the data breach so I am demanding that equifax removes all collection accounts and inquiries from my report. This is totally unacceptable and an infringement on my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: WELLS FARGO & COMPANY
State: CA
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 2017 I had a Wells Fargo Checking Account XXXX. I was a victim of fraud with a XXXX scam where I was sent a check from a third party and deposited it into my bank account believing it was valid. The check cleared and I was able to use the funds as instructed by the XXXX scammer. At a later date it was discovered the funds were insufficient. I notified Wells Fargo of the scam and Wells Fargo closed my account immediately. I believed the matter was resolved and that I would not be held accountable for the scam/fraud. 
I recently tried to obtain a new bank account and was informed that Wells Fargo is reporting that I have an unpaid account with them for {$610.00} including a {$240.00} reversal fee. I would like this matter investigated and resolved.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon contacting TransUnion, I asked for them to remove unknown inquiries that were fruadly added to my credit profile. But, they denied to remove the inquiries. I have contacted each of the companies that the inquiries were from, but these were all fabricated companies with names of real institutions. Each inquiry is dated XX/XX/2023, I will list them below. 

XXXX XXXX XXXX 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 2023-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I want to dispute an error on my credit report. The Experian the agency XXXX XXXX XXXX, put me in collection that reflects on my transunion credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. 
Im requesting to get the collection removed from my account.

Im attaching, a copy of the police report of identity theft, residential, I live at the same address 2013 agreement, account services /XXXX  a proof of residency.

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 2019-07-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX filed a false claim against me in the District Court of Maryland for XXXX XXXX stating they were the owner of an account I had with Chase Bank in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX XXXX XXXX, a Delaware limited liability company ( the " Seller '' ), and XXXX XXXX XXXX, a Delaware limited liability company ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with Chase Bank. XXXX XXXX XXXX is not the legal account owner of any accounts I previously had with Chase Bank. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX and XXXX, who represented XXXX XXXX XXXX according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that XXXX XXXX XXXX was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out XXXX XXXX XXXX had violated the Consumer Financial Protection Act of XXXX, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. XXXX XXXX and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: GB Collects, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I accepted a contract for removal and installation of insulation in my residence XX/XX/XXXX with work to be performed XXXX XXXX removal of old insulation, XXXX XXXX company representative inspection of the removal and property before installing new insulation ; No one came to inspect the work before the installation ; I have tried repeated in writing and calling to ask that a representative come to fulfil the contract and ensure my investment is covered ; XXXX XXXX XXXX finished the installation. However, when my annual maintenance of HVAC equipment was performed ; insulation had been sprayed over everything including the HVAC, heating equipment ; and after repeatedly calling about this incident ; the company still refuse to send a representative to inspect the work. I was sent collection notice for immediate payment with an extra {$2300.00} fee tacked on to the {$6500.00} due with no interest in XXXX year ; with no intent to send a representative inspect the work performed and ensure that my equipment is covered from any future damage by spraying insulation on my HVAC equipment and that I have no rodent infestation and proper insulation. That is all I have been asking for based on the contractual obligation. A of XXXX XX/XX/XXXX, no one from the company, regional managers, district managers ; will respond or take action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Account Name : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Im Accordance with the Fair Credit Reporting Act, The list of Accounts Below has violated my Federally Protected Consumer Rights Privacy and Confidentiality under 15 US Code 1681.

15 US Code 1681 Section 602 A. States I Charles E Roach Jr have the Right to Privacy.

15 US Code 1681 Section 604 A Section 2. Also states A Consumer reporting agency Can not Furnish an Account without my written instructions.

15 US Code 1681 C. ( A ) ( 5 ) section States No consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of Convictions of the crime which indicates the report no more than seven years.

15 US Code 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.

15 US Code 1681 ( i ) - A5B Requirements relating to reinsertion of previously deleted material Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate, And Also the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I XXXX XXXX XXXX XXXX. I owe No 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 non-monetary relief
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a new Bank of America credit card in XX/XX/XXXX in one day to the other two weeks later they just closed it down. and when I called them they told me that I have very good credit they just want I should go down to a Branch with my license. I went down to fax the documents that they needed and still, they don't want to open up the card. that's real discrimination I have a good relationship with all the banks and they should open the account as soon as possible

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: HI
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:
XXXX - XXXX The monthly payment amount is not reporting correctly This is inaccurately reporting on my report. 

XXXX XXXX XXXX XXXX - XXXX This is not accurate. 
please remove it from my credit report Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Information is Incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 non-monetary relief
Consumer complaint received 2023-12-13
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
HELLO, | CHECKED MY REPORT AND | SEEN UN authorized CREDIT CHECK inquiries THAT | HAVE NOT GIVEN CONSENT TO. I AM DEMANDING THESE INQUIRES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. IM TRYING TO ESTABLISH relationships WITH BANKS BUT continue TO BE DECLINED BECAUSE OF THESE ITEMS ON MY REPORT. I HAVE ATTACHED THE FRAUDULENT ITEMS TO MY LETTER AND NOTIFIED 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 2023-12-14
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: GA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: DC
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:
My consumer report has inquiries for applications of credit that I did not authorize, Checking my consumer report and these inquiries were not authorized by me. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.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 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, 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 discovered that some of 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 listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with non-monetary relief