BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than convictions of crimes which antedates the report by 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.

These inaccuracies are damaging to my reputation. Making it impossible to obtain a home, vehicle, credit, and employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reporting incorrect information and should be deleted according to the FCRA. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) XXXXXXXX XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-05-01
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 is missing that should be on the report

Complaint:
I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.

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 2022-11-28
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have received a few deposits that were pretty large in my account. Next thing I know they freeze my account saying they need to prove my identity and proof of address an exclamation of where my phones came from which I did so I then called the company and they there that they received all my documentation and that I should have it resolved in two days I cant get anyone to answer any questions now my account still frozen and I had more money that was going to be deposited. Thats lost in limbo now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am  writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: OH
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:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-14
Company: EQUIFAX, INC.
State: TX
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 want to know why Equifax dropped my credit score XXXX points on XX/XX/2023 for paying off two accounts ( IN FULL AND EARLY!!!!!! ) This makes no sense. I work at my credit and monitor it and I am being PENALIZED for paying stuff off ... IN FULL AND EARLY??? What is the use in even trying if you get dinged liked that? I want it corrected and I really want the way credit reports are being handled to change. Its near impossible to stay good with their nonsense way of doing things... fix it oir I will be filing a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Was not notified of investigation status or results

Complaint:
Please remove All Authorize user accounts off my credit and the address that is attached to it these are not my accounts. It has been over 70 days when I reported this information I would like it removed or I will have to file for litigation

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 2019-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan paid off in XX/XX/2018. We still do not have the title. The company can not locate the title nor tell us how to get a replacement title. They will not return our calls and either hang up on us or just put us on hold. 

We have been to the DMV here in Florida. We have contacted the California ( state where the loan originated and our residence at the time of origination ) DMV as well. They both believe it is Chase 's fault and duty to deliver us the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
For the past 2 months I have been sending the proof of the validation letter for the debt that they are collecting from me that I never owned to that collection agency. The letters that I have been receiving from PORTAFOLIO RECOVERY are not proof of any debt, they haven't sent me a copy of the original agreement bearing signature or any copies of the original paperwork regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Was not notified of investigation status or results

Complaint:
Please remove All Authorize user accounts off my credit and the address that is attached to it these are not my accounts. It has been over 70 days when I reported this information I would like it removed or I will have to file for litigation

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 2021-03-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
The account ( XXXX ) is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. 
My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am a victim of the XXXX data breach which compromised my information and as a result they are reporting unvalidated information on my report that isnt mine. this account is currently in litigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018 I applied for a HSBC Cash Rewards Mastercard credit card online that was advertised to me via mail and was approved. About a week later I received the card and activated it. When I tried to make a purchase on the XX/XX/2018, it was denied. I called the credit card company on this same day ( XX/XX/2018 ) and the first representative told me she had to transfer me to someone in the fraud department. The lady in the fraud department told me my that my account was flagged since my cell phone number could not be confirmed in their system. I provided my home phone number to her, she called me back on my home phone number, and then proceeded to tell me she also needs my license. She sent me an email to which I was supposed to respond with a picture of my driver 's license to further confirm my identity. I responded with a picture within less than a minute of receiving this email from XXXX. This representative promised they could even take care of the situation that same day. I have not heard from the company since. Every time I call I am put on hold for hours and can not get through. When I do reach a representative, they insist that I need to be transferred to someone above them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, 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:
Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax Please verify or remove immediately the following accounts : XXXX  XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX xxxxxxxxxxxx XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this Matter, I also certified mailed these companies affidavits on how they verified my debt and to show me or provide me the way they verified, with my certified letters I provided a copy of my ID, police report on identity theft and irs identity theft affidavit, and they still will not comply with my rights to take the fraudulent claims off my credit report I sent all the certified mail to all the credit bureaus and collection companys on XX/XX/XXXX and they will not cooperate, XXXX  XXXX XXXX asked for papers I already provided in the certified letters and they still wont take the fraudulent credit reports off my credit, every company has not took it off my credit report, my identity theft is so bad someone made XXXX companies with my information and XXXX XXXX said I owed them XXXX XXXX XXXXXXXX dollars, I have been trying to fix my credit and fix my identity fraud for some time and no one is working with me and giving me my rights they just want to continue saying its verified and will not disclose any information on how it got verified or how they can prove I opened it myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Winklevoss Exchange LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am having really hard time with the Gemini Crypto Exchange ever since I signed up with them 3 months ago I haven't been verified and can't get an answer from support as to WHY. I've called them multiple times, emailed them multiple times and nothing. Just an automated response on both accounts There customer support is non existant! 
PLUS I have had over a {$1000.00} transfer from my bank and now can't trade or move the money, no matter what I try.

Company response to consumer: Closed with explanation