BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
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 years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. OFFICE OF THE ATTY XXXX XXXX Balance : {$5700.00} ; ATTYGENERL XXXX Balance : {$5600.00} ; OAG CHILD SU XXXX Balance : {$5700.00}.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Since I filled a Identity Theft report with the FTC and my local police department, all three credit bureaus have reported my credit history as inaccurate. On XX/XX/2019, I went online and requested my credit report from XXXX because my request to obtain my credit report through Free Annual Credit XXXX was denied. I was successful in obtaining my credit report online. Credit report # is XXXX. I saw several discrepancies and decided to go online to dispute the information. I was unsuccessful in disputing the information online. I was directing by XXXX website to call XXXX to dispute information. On XX/XX/2019, I call the number that was listed and a female agent took my information and started asking questions regarding my dispute. I disputed information that was listed on the report that was printed. The agent stated more than once she didn't see certain information I was disputing. She didn't seem as if she wanted to correct anything I was disputing. After we went over everything, she gave me a new credit report # XXXX. I received the report in the mail on XX/XX/2019 and as of XX/XX/2019, everything we have went over still remains on my credit history. No investigation was ever made. The agent never corrected anything. There are many unknown inquiries on my report. There is information that has not been disputed or corrected. There is information that is not listed and should be. I have had many issues with the credit bureaus regarding my credit history since I filled an Identity Theft affidavit with the FTC. I have contacted the credit bureaus many times in making attempts to correct my information. It is possible that there is fraud involved. XXXX has more than thirty inquiries posted to my credit history within the last two months. Major Credit Bureaus need to be monitored because they are also posing a risk for 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 explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX AND EQUIFAX, through there paid subscription gives authorization to XXXX XXXX TO ACCESS THIER SYSTEM REMOTELY GIVING THEM SOLE AUTHORITY TO REPORT CONSUMER ACCOUNTS AS VERIFIED ALSO THESE THREE COMPANIES GAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO CLASSIFY A CONSUMER ACCOUNT AS NOT BEING FRAUDULENT WHILE SIMULTANEOUSLY PROHIBITING XXXX, EQUIFAX AND XXXX ALONG WITH THE CUSTOMER FROM DISPUTING THE ACCOUNT AS FRAUDULENT. IN PLAIN ENGLISH AFTER A BUREA BLOCKS AN ACCOUNT AS FRAUD ANY PAID SUBSCRIBER CAN ACCESS THE ACCOUNT AND UNBLOCK IT AS FRAUD AND PREVENT THE CREDIT BUREAU OR THE CONSUMER FROM CHALLENGING ITS LEGITIMACY AS FRAUD EVER AGAIN! GIVING A PRIVATE PAID SUBCRIBER THIS BIAS AUTHORATIVE CONTROL VIOLATES THE FCRA IN ITS ENTIRETY. No consumer has any rights whatsoever given the access given by these three major bureaus. The above information was provided by a supervisor of all three bureaus. 

These accounts is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, EQUIFAX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-07
Company: Experian Information Solutions 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
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:
Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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 2023-11-15
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Placed forbearance request online on Edfinancial website. No confirmation email, no response. Sent two follow up emails asking whats going on, it's been over a month with no reply.

Edfinancial is engaging in shady business practices.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL 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 2024-01-12
Company: Bridgecrest Acceptance Corporation
State: SC
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:
ACCORDING TO THE BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information.

This company has failed in their obligation to protect the privacy and confidentiality of my information.

Under under this rule financial companies are to have permissible purpose to furnish accounts to consumer report including THE WRITTEN INSTRUCTION OF WHOM THE CONSUMER RELATES. 

I have not giving any written instructions to furnish my non public personal information to any third party. 

This company has knowningly transferred my account personal information without permissible purpose of whom the consumer relates to XXXX, XXXX AND XXXX. 

Because of this reporting I have suffered damage to my reputation, my character, invasion of my privacy, emotional, physical and economic harm. 

I requested documentation of permissible purpose from this creditor and they refused to be in compliance and give that documentation to me and refused to DELETE my account if they can not give me reason as to permissible purpose.

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 2023-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i have applied for credit cards and i instructed then to open the credit card accounts i have had in the past and the ones they closed without proper consent as i am the owner of the accounts and they need to reopen the lines as they are mine snd i am ythe owner and they are in breach of fiduciary duty and the more they open the credit card open ended accounts for the more they make. I am being damaged as they are not running back my revenue, interest and equity which is mine. i need these credit cards that i just applied for opened too as they are committing securities fraud and if they want to withhold my access to my credits then they need to retract all applications. They still need to refund all my unearned interest and give me my equity for the use of my applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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:
Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth XXXX XXXX XXXXXXXX XXXX  and things have been really tough for me XXXX XXXX XXXX and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.

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 2020-01-27
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They trying to collect a debt i don't owe. The account was closed after 3 weeks of service and they trying to charge me a second month service. All the money i put dow for the device and taxes they never refunded. And now they asking me to pay more money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2023, I responded to an online ad to get a personal loan from XXXX XXXX in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. XXXX XXXX  should a credit score from TransUnion of XXXX under my fist and last name only. 

I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. 

On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from Transunion ''. 

My Transunion credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech. 
I asked XXXX XXXX CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. XXXX XXXX CSR choose not to answer. 

XXXX XXXX representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan. 

After the denial of the loan, I asked XXXX XXXX CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested XXXX XXXX to remove and delete my private information they refused. I am now forced to close my bank 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 2023-06-28
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are XXXX, XXXX, and TransUnion did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how XXXX violated my rights.

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 2023-06-16
Company: Block, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Contact his XXXX XXXX, seller. 
XXXX XXXX Agreed to pay {$40.00} for the XXXX system, accessories and games and {$10.00} for shipping for a total of {$50.00} via cash app. 

XXXX XXXX XXXX  XXXX Paid him, and then he agreed to ship but never produced a receipt or a tracking number and then blocked me online and no longer response to messages on XXXX messenger. 

HIs XXXX XXXX  ID is : $ XXXX I have reported a scam on XXXX XXXX. 
I have requested a refund cash app and the process will take 14 days to get back to me but not necessarily to refund the money as they will need XXXX to initiate the refund but hes no longer responding. 

Additionally, there is a second individual involved too when I couldnt initially make the cash app payment, that XXXX said, was his son-in-law, that persons contact information is : XXXX XXXX Phone number : XXXX ( XXXX ) XXXX His XXXX id is his phone number : XXXX ( XXXX ) XXXX HIs XXXX XXXX XXXX account number ends in : XXXX

Company response to consumer: Closed with explanation