BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: VA
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/2022, my mail began to be forwarded to a fraudulent person/address. One item of mail that was forwarded was an unsolicited credit card application for a XXXX XXXX XXXXXXXX credit card. After realizing this was a fraudulent forward request, the USPS stopped the forwarding. A new credit card from XXXX XXXX XXXXXXXX showed up at our house. This account was opened using the fraudlently forwarded credit card application. When I called XXXX XXXX  XXXX to alert them to the fraudulently opened card, they assured me that the card would not be activated and would not show up on my credit report since we caught the issue before the card was activated. Unfortunately, this was an absolute and utter lie as the card was opened and activated after that phone call. I have reached out to experian and XXXX to have this card removed from my credit report and they refuse to take it off because XXXX  XXXX XXXX says that it is a valid account. I currently have a report in to the sheriff 's department of XXXX XXXX regarding this mail fraud. 

I have attached the receipt that shows I submitted a police report. They have not yet assigned someone to the case. 

I also have a confirmation number from XXXX  XXXX XXXX from when I reported this fraud and they told me the account was never opened. Case # 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 2020-10-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is what I am dealing with in cpi refund where my truck was repossessed and now wells fargo is saying no to outside arbitration. The two letters attached show you just what is going on in a way words could not tell. I am owed XXXX and there doing nothing but lying to me lying about facts and it has been from day 1.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: LA
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:
I have contacted the Credit Bureaus regarding their reporting of bankruptcies listed on my credit report. Initially they told me that the listing were being reported by XXXX XXXX and I needed to contact that company. I have contact XXXX XXXX as well as my local bankruptcy clerk of court. The clerk of court has responded that they do NOT report to any credit bureau and I have contacted XXXX XXXX who has confirmed that they are NOT reporting any bankruptcies on my credit bureau however, the bureaus continue to report 2. When I ask for verification they send me a letter stating that it is confirmed and that they will not reinvestigate.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX XXXX XXXX BalanceOwed : {$660.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX Balance Owed : {$3600.00} ; XXXX Balance Owed : {$1500.00} ; XXXX Balance Owed : {$1500.00} ; XXXX XXXX****Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXXXXXX XXXX****Balance Owed : {$27000.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$5000.00}.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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  Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-XXXX. No I grew up in XXXX my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.

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 2023-04-07
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA

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 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is the 3rd request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX or 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. 


Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION. 

Lasty XXXX and XXXX asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had done an investigation on my credit report which caused me XXXX  XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX ( c/o : XXXX XXXX XXXX XXXX ) Account Type : COLLECTIONS Amount due : {$610.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX {$200.00} posted on XXXX XXXX XXXX  XXXX XXXX {$250.00} posted on XXXX XXXX XXXX XX/XX/2021 {$250.00} posted on XXXX XXXX XXXX  payments was dispute credit fast pay because I didnt know who fast pay was XXXX XXXX. 
XXXX XXXX posted on XXXX XXXX XXXX phone bill posted XXXX XXXX paid {$710.00} to XXXX XXXX XXXX phone bill. 
XXXX XXXX Dispute credit reversal fast pay for a total of {$710.00} paid back to fast fast pay when this amount already bing paid to XXXX XXXX XXXX posted on XXXX XXXX in the amount of {$710.00} including monthly bill of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX, 2017, BankMobile desposited my XXXX XXXX XXXX refund of {$720.00} into a JP Morgan Chase bank account that is not mine. I 've made several claims, spoke to dozens of representatives and " customer service specialists '' from each of the companies and they all ran me around in circles. I just want my refund so I can get the things I need for school. It 's been two months and still no results or explanation on how this even happened or how they can fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-03-30
Company: Experian Information Solutions Inc.
State: NM
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:
For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX Has sent me a debt collection page to XXXX adults on the lease each XXXX separate reference for is XXXX i do not owe this debt. the original company is trying to pull a scam and i wont be apart of it XXXX XXXX  i rented from XXXXXXXX XXXX i filed a case on them with fair housing because they tried to put me through a bunch of rules and regulations when i tried to move to a new house. i put in notice that i would be moving, but needed to find a house my lease ended on XX/XX/XXXX XXXX they would not let me pay for those couple of days so i stated if i have to pay for the whole month then i will leave when i find a place. if my lease ended XX/XX/XXXX then i should have only been paying month to month after that because i did not sign a new lease. they created a fee saying i had to pay because my lease went month to month. this was not in original lease. so basically i asked them to come get the keys noone did i wsited until trash night put out the trash told them i would return to take trash back in and asked for someoone to meet me at the house again. noone showed. so when i left the house they put bogus charges charging me for removal of items that were originally on or in the house. They even added on extra days i asked for receipts. they told me they were not going to give me receipts .they are not allowed to just make repairs without giving me the chance to do them first. to charge me after the fasct is bad business. I believe they were trying to make me pay more for leaving and for the upgrades they made. They did not ask me to remove any items. everything was left in the trash can it needed to be pushed to the curb. they charged me XXXX after keeping the security deposit XXXX She has also included all three adults on this making it show up on all three of our accoutns when it should have only been on mine. i tried to work it out going back anfd forth with XXXX XXXX. she then stated she wold take action. i was not going to pay charges i didnt owe and that she couldnt produce receipts for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NC
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:
Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case No. XXXX, Dispute was initiated for {$59.00} with enumber inc. A previously issued credit was re billed. There has been 2 transactions with enumber. one on XXXX and other onXX/XX/XXXX. Both of which are disputed. Customer service representative failed to understand this.

Company response to consumer: Closed with explanation