BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: PA
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:
CONSUMER REQUEST FOR XXXX & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX ZIP Exempt Non-domestic , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX XXXX XXXX XXXX and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account CCS Company Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner XXXX XXXX XXXX XXXX XXXX Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Immediately delete these accounts because I asked for sufficient evidence from each company and the XXXX window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

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 2023-08-28
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/XXXX When my contract for my new vehicle was opened. 
I Traded In My Old Vehicle ( Which Was A XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX was {$4000.00} and I Only Got {$2000.00} For A Trade In. Which Was Unfair Pricing. 
-Over Reading My Contract I See That My Consumer Rights Were Violated -15 Us Code 1605 - States That There Should Be No Cash Included In A Financed Charge And The Dealer Knowingly Charged Me A Down Payment -15 Us Code 1602 ( L ) - States That My SSN and signature was used to complete this credit transaction meaning the card was already paid for. 
There are a couple more violation in my contract as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NJ
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 was the victim of an identity theft. In reviewing my credit report, there was a hard inquiry with Equifax on XX/XX/XXXX by the XXXX XXXX XXXX I filed a dispute with Equifax late on the night of XX/XX/XXXX telling them that it was a fraudulent inquiry. Immediately afterwards, I called the XXXX XXXX XXXX they advised me that the party that ordered the inquiry was XXXX XXXX XXXX of Oregon. I then called XXXX on XX/XX/XXXX immediately afterwards and the office was closed. Several hours later, I got a communication from Equifax that their investigation was closed and that they determined that it was a legitimate request and that they would not remove it for 2 years. How could they have investigated the inquiry with XXXX XXXX XXXX if they were closed during the time that they were supposedly investigating? On XX/XX/XXXX, I called XXXX and spoke to 3 different customer services people, including the Fraud Department. According to them, they never made a credit inquiry as they had no record of it despite several people investigating. They suggested that I contact Equifax who already predetermined incorrectly that their information was accurate. There is inaccurate information on my credit report that Equifax refuses to remove even though they did an inadequate investigation of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of Items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance Owed : {$1300.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, XXXX, and TransUnion credit reporting agency XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: GA
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 am not here to argue, I am not here to defend myself, I am here to establish the fact that I am the original creditor, I am one of the " Persons '' mentioned in the Fifth Amendment that shall not be deprived of any significant property interests, property right, referring to inalienable or other rights without due process of the common law alluded to in the Declaration of Independence, for which it was held " a self-evident truth, that I am endowed by my God and possess inalienable rights '', rights that this body has no authority to Abrogate! 

So, once again, under what authority does this body claim it has authority to exercise jurisdiction over a creditor? Since when is a creditor " the debtor ''? And why are they assuming authority over my time, my business, my interests, my property, my rights when it is well established that their authority prohibits them from subjugating a creditor? 

I don't have a contract with their credit reporting companies. I never authorized their credit reporting companies the authority to receive any information or to even furnish a report. 

So their companies have violated the U.C.C. 2-106. Definitions : " Contract '' ; " Contract for sale '' ; " Sale '' ; " Present sale " ; " Conforming '' to Contract ; " Termination '' ; " Cancellation ''. Along with 15 U.S. Code 1692-Congressional findings and declaration of purpose.

Therefore all items listed in Exhibit B are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as they are damaging my character, credit worthiness and well being by falsely stating those non-compliant unverifiable accounts on my report. 

I have not received any confirmation on how they have verified the alleged accounts attached in Exhibit B and therefore request that they consider this a final notice to their office. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of any trying to rectify the subterfuge that they are reporting.

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 2021-10-21
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A bank representative from Washington Federal Bank emailed me a form with my social security number prefilled without encrypting the email. When I complained to the bank, no resolution was offered as far as credit monitoring as they compromised my SPI.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXXXX/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 2023-04-14
Company: EQUIFAX, 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 have been a victim of identity theft and I have suffered from having unauthorized accounts and inquiries on my credit report. I did not consent to any of the accounts being open and this is ruining my reputation with the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Wednesday, XX/XX/2021 at the chase bank located at XXXX XXXX XXXX XXXX XXXX, CA XXXX I entered the branch to cash a check from my employer drawn on Chase bank. At the time my Chase checking account was overdrawn approximately {$60.00}. The teller refused to cash the check from my employer - drawn on Chase bank and from an account with available funds to cover the check - because my account was overdrawn. I asked for the branch manager to get involved. After explaining the situation to the branch manager, again my request cash the check was refused by the bank. Furthermore, the branch manager refused my request to contact the internal compliance auditor for their area to verify the practice he was implying was legal as I informed him it was illegal per my experience working as a branch manager for XXXX Bank in Texas and a service manager and banker for XXXX XXXX in years prior. 

The bank forced me to deposit the check in my account although it was drawn on Chase to cover the overdrawn amount prior to receiving any funds. The bank took my money hostage. The branch manager refused to double check the practices he was employing were compliant with regulations despite being cautioned that the practices were illegal.. This is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft USDOEXXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

14. Identity Theft Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2020-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was trying to make inquiries with the provided Chase Customer Service number after two weeks of card not being received on time. I tried to find out status and location of card. I put this call on speaker with my mother because I was unfamiliar with this bank and the steps need to replace my card that had never been recieved. After getting a representative on the phone he proceed to ask probing information that had never been give to Chase bank. He then said for security measure he needed to verify my phone number and attemt to text my phone. That text supposedly would not go threw nor any calls to my phone. He then state he was going to get a senior investigator to help with the security questions while he stayed on the line. The next person ( a Mr XXXX ) said he'd help with security questions ; then he asked me data sensitive questions that once again had nothing to do with the card or information I had give to chase to start the card. Questions on what other types of credit lines did I have. What was my mother 's maiden name and my employer also information I had not previously provided. When my mother began raising questions about the data hes was asking for he then got defensive and said he was fraud security and proceeded to act even more agitated. Im worried that he was collecting formation for fraud and my answers may be used to create a fraudulent account or hack my information. Or that this may be unsolicited data collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I give full authorization to move forward with this complaint. I, XXXX XXXX, am a victim of identity theft. Attached below is a an attachment of my FTC Identity theft 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 explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Bread Financial Holdings, Inc.
State: OH
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:
Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at n XXXX address XXXX

Company response to consumer: Closed with non-monetary relief