BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-11-09
Company: EQUIFAX, INC.
State: IN
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, Equifax and XXXX 45 days prior to filing a complaint. I have yet to receive a response.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts XXXX XXXX XXXX Bankruptcy XXXX I have made contact with the court house and they have reported to never filing a XXXX  XXXX Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
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:
This Person ( XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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.

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 2023-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 my home equity line of credit account was hacked. I went to the Branch of Citizens Bank on XX/XX/2022 to explain that my accounts were hacked. The person who went into my account made it look like I made transactions of {$2400.00} out of my account. The same person also hacked my two checking accounts, my savings account with the same bank Citizens Bank. I finally was credited back for the money that was taken out of my checking and savings accounts for {$1800.00}, but not credited back on my home equity line of credit account. I need this taken care of and have my account in good standing again. I am not responsible for these transactions out of my account. If I wanted to withdraw from my home equity line of credit I would not do all these transactions back to back in one day and with these amounts should raise a red flag {$500.00}, {$490.00}, {$490.00}, {$240.00}, {$250.00}, {$250.00}, and $ XXXX makes no sense to do this. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions 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:
this Person ( XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX  furnished to my consumer report I did not give written permission to. Also, they have violated FDCPA unfair Practices and by law are liable to pay up to {$1000.00} for each violation under Civil liability.

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 2023-10-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Inexplicably XXXX- which is a XXXX card - provided by Wells Fargo - locked my commuter account and I am not able to use the card with money I have on the account. XXXX refuses to provide a list of pending transactions and refunds and refuses to answer the phone.

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 2023-10-19
Company: LEXISNEXIS
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

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 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 2023-01-14
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2021-03-15
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX I saw a bunch of accounts on my credit report showing as open, paid late. However these accounts were previously included in a bankruptcy discharged XX/XX/XXXX. I opened a dispute to have these accounts Listed as included in bankruptcy/closed. Many were updated however XXXX and XXXX were not. I have called equifax monthly to check the status and was told it takes up to 30 days and I will get a letter with results. 
I have not received a letter and called today and was told these accounts were not included in bankruptcy. Also the rep was not helpful, did not listen to what accounts I repeated were the issue. Ultimately she told me they were not included in bankruptcy so they remain open. This is effecting my credit score, I have not received any updates on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Two unauthorized transactions occurred XX/XX/21, {$2000.00} and XX/XX/21, {$830.00}. I became aware XX/XX/21 when usbank ReliaCard had locked my account. I confirmed transactions were not authorized by me and that usbank had allowed someone other than me to change my email and text alert notices. 
A new card was issued but when setting up I discovered usbank still had the email used in the fraud attached to account. Us bank requested written notice which I provided and they recvd XX/XX/21. But they closed case XX/XX/21 without returning any funds to my account. I contact usbank XX/XX/21 to request any, all documents related but they would not give any. I requested the case be reopened and reviewed as these transactions werent mine. They refused. I asked for any contact that could possibly help with the fraudulent transaction but they just said they were sorry I felt that way and would not provide any information or resolution. At their request I had submitted proof of my identity shortly after first reporting fraud.

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 monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive contacted XXXX, Experian, XXXX repeatedly by phone and letter, disputing the inaccuracy of the Bankruptcy information that they have listed and asking XXXX, Experian, XXXX, how it had verified the statement. The source-disclosure did not provide accurate reporting, and reinvestigation provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681g ( a ) ( 2 ), 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), to a credit reporting services actions. Ive requested that this information is either corrected or removed.

I have provided proof from the courts to show the Bankruptcy Court Docket did not reflect the information listed on credit file.

Section 1681i ( a ) ( 1 ) concerns a consumer reporting agencys general obligation to reinvestigate information a consumer disputes as inaccurate or incomplete in his or her credit report. 
XXXX, Experian, and XXXX continue to violate various FCRA provisions by persisting in publishing this report and failing to follow certain of the FCRAs procedural notice requirements. 
The FCRA was enacted in 1970 amidst concerns about the accuracy of information disseminated by credit reporting agencies. If a reporting agency willfully fails to comply with any requirement of the FCRA, it may be held liable for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer, as well as potentially for punitive damages. 15 U.S.C. 1681n. If a reporting agency negligently violates a provision of the FCRA, it may be held liable for actual damages arising from the violation.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent the TransUnion Credit Bureau a letter asking them to verify the alleged debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. The credit reporting agency states that they verified the debt and did an investigation ; however there are still inaccurate reporting 's on my credit profile. A copy of the TransUnion investigation results and a copy of my Credit Report showing the inaccurate information have been attached to this complaint. 1. The inconsistencies are located on Pages 3 and 4 of the attached credit report and are highlighted in yellow. - The account limits, dates of last activity, late payments, high credit limits, high balances, and payment history are inconsistent and vary among TransUnion, XXXX, and XXXX. How can information that has allegedly been " verified '' vary among all three credit agencies? 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : A ) Reporting information with actual knowledge of errors 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 2021-03-15
Company: American Credit Acceptance, LLC
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: Account information incorrect

Complaint:
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This account has been charged off yet the continue to report a past due balance, the last active dates are wrong as well as the last payment date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have received zero notice regarding an alleged debt. This alleged debt is not only unfamiliar to me, yet this alleged debt from Credit Management, which according to XXXX XXXX originated from XXXX XXXX for the amount of {$XXXX}. 

I have ZERO KNOWLEDGE of this debt. I received no debt validation letter from either company. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) creditors are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract - and any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or e-mail in a fraudulent account. 

Your blatant disregard to positively verify this alleged account has hurt my ability to obtain credit and dramatically decreased my credit score, which has directly impacted by ability to obtain credit, during the Covid-19 pandemic. Shame on XXXX, Credit Management, and XXXX XXXX. 

Under FCRA, unverified accounts MUST be removed. I demand effective immediately this unverified account be removed from my account effective immediately, and my credit score GO BACK UP the 17 points it has dropped. 

This is despicable behavior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Chime Financial Inc
State: FL
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/XXXX, I was charged {$70.00} for something related to a car rental. I absolutely did not authorize this charge. XXXX does have my card on file. I can guarantee that XXXX did not get proper authorization from me or XXXX to charge my card. 
I disputed the transaction with Chime as soon as it posted. They denied my claim on XXXX without details. I responded asking for documents used and a rebuttal form. They said I had to wait 5 days to request a rebuttal. In 5 days, I requested the documents and rebuttal again. I received no response. I supplied my additional information on XXXX and XX/XX/11. 
I received no response until XX/XX/11. Then I got the same letter I got when the claim was initially denied. No merchant documents and no rebuttal form. This has now happened 3 times. Chime has no right to deny my claim. Merchants are required by XXXX and XXXX to request and receive proper authorizations for charges. That was not done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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 is missing that should be on the report

Complaint:
Ive sent Equifax countless letters on XXXX, XX/XX/2020. regarding this account that is on my consumer credit report which is a deformation of my character! This account goes against FCRA section 623. All negative information on your credit report must have information so you can dispute it but it dont so this is a violate also How can you send a debt validation if you cant find who report it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I made a complaint about an account with we financial reporting on my credit report. I sent a letter to original creditor and agency. When sending letter to original creditor I received letter saying account would be deleted. ( Ive attached letter from original creditor and uploaded it on Experian a website. A few days later I checked back and notice that Experian still verified account. Which made me wonder how accurate the investigation is online. It appears that equifax has already deleted this account please help.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed XXXX through XXXX. Student loan XXXX XXXXXXXX XXXX XXXX XXXX they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. 194 late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. Student loan company XXXX XXXX XXXX has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.XXXX XXXX, XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment

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