BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
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:
In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
The inquiries on reports are not mine Ive called all credit agencies and companies however nothing has been fix I would like all inquiries removed as well as late payments that are not accurate bankruptcy thats on one and not the other therefore the reports are inaccurate XXXX inquiries on XXXX A bankruptcy on XXXX and Experian that needs to be removed as well as fingerhut on XXXX reporting late on the other accounts no late payments.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: TN
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 XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDXXXX 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 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 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 2022-11-12
Company: EQUIFAX, 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:
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 BANK XXXX : # XXXX XXXX ) XXXX SYSTEMS : # XXXX 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 2021-04-21
Company: Optimal Management Group, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
THIS COMPANY OPTIMAL MANAGEMENT GROUP DISCLOSED MY SOCIAL SECURITY INFORMATION TO A THIRD PARTY WITHOUT MY CONSENT, WHICH MAKES ME QUESTION IF THEY ARE DISCLOSING THIS SAME INFORMATION TO OTHER PARTIES THAT HAVE NO RELATION TO ME OR OTHERS. THIS DISCLOSURE WAS VIA TEXT AND VOICEMAIL. I HAVE THE TEXT ESSEGES AND VOICEMAILS. 
TEXT MESSAGE IS NOT ASKING " IS THIS ______? AND IS THIS **** YOUR SSN? 
IT WAS IN A STATEMENT FORM AND VERIFYING FOR THEMSELVES. THIS IS VIOLATION OF MY RIGHTS I BELIEVE AND THIS IS NOT THE WAY TO DO ANY COLLECTION OF SUCH. AS WELL AS THEY DID NOT PROVIDE THEIR COLLECTIONS STATEMENTS IN THE BEGINNING OF ANY TEXT OR CALL

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Chime Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 I send money using sendwave with the amount of {$120.00} due to my brother needs to pay his hospital bills but when my brother trying to get the money they told him that the tracking number I gave him is not working that He have to tell me to follow up so then I called the company and I told them why the money is not available its very important its emergency and they said they having problem with their bank partner in the XXXX so then I told them can you please try to send it again or if not I just need a refund just cancel it and they said they will be happy to assist me and wil do refund and I will recieved an email once its process but I never recieved aXXXX email I even send them a message on their apps but no response I have been patiently waiting but then after a couple I dont hear from them I called again and they said Since the teansaction is error XXXX their part the transaction was cancelled and no charge in my account but in my bank accout I have charge {$120.00} I even chat to my bank and they said the {$120.00} has taken hy sendwave and I told them to just refund me to the last for digit of my card the last time i send to my other brother the one that I used when I send the {$120.00} has been cancelled due to the atm took my card and never came out at the atm.They send me a form to manually cancel and refund me the money I filled out and send them back the form then after a day I received notificayion to their apps saying my transaction has been send to the recipient safe and sound. So I got the tmtracking number but when my brother go to the remittance place they told him tracking number is no good so my brother said maybe I will go to XXXX I said ok just try since thats their partner bit unfortunately they said its not a good tracking number so I called again XX/XX/XXXX or XXXX they said they will do it again that they will let me know if its cancelled already and since they did manual cancellation it takes time so I patiently waiting I think around XX/XX/XXXX I called again and they said it is mever cancel and he will help me di the cancellation but they one that I talked to before he even talked to his supervisor bit they lied to me its never been cancelled so they send me a form again to be filled out to get my money bit until now I havent heard from them its benn a month already but they never refund me my money please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Previously I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that the disputed accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. Please investigate and correct the following accounts : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Reference # XXXX Date 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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...

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 2018-05-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has refused to validate an account with XXXX XXXX XXXX. This company has been pestering me about this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in XXXX, XXXX XXXX Transunion. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

XXXX credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX  XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX Note : I was able to file dispute successfully online on XXXX XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* XXXX Inquiries : Inquiries XXXX XXXX Inquiry date : XX/XX/2022 Additional details : - Business type : Auto Financing Companies Contact info : - Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/2022 Note : XXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. Experian Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** TransUnion : Name : XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Name : XXXX XXXX XXXX via XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Note : Transunion website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called TD Auto Finance and XXXX XXXX XXXX and they say there is noting on my name.

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 2021-04-20
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}, {$0.00}, {$2400.00}, {$380.00}, {$1600.00}, {$760.00}, {$0.00}, {$0.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

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


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
today at XXXX XXXX on XXXX XXXX I received a call from XXXX XXXX, tel XXXX that someone using my info identity is trying to purchase an auto at XXXX and I told XXXX this is a fake fraud and I never did this and had never tried this and they issued an reference number XXXX. Please help me and alert all credit agencies this is a an ongoing 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 non-monetary relief
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, $ XXXX has been transferred from my paypal balance to PAYPAL without my authorization. At the first stage, paypal says there is a problem with my paypal account and they didn't tell me what happened but closed my account without a reason, then they told me I can withdraw the balance after 180days, because the money will be on hold for 180days first. However, when I checked my account on XX/XX/XXXX, I found NONE balance on my account, so I checked the recent activity and found the balance was transferred to PAYPAL. I tried to get help but it seems very useless. I thought I can get help from CFPB. The email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person

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 2023-10-10
Company: EQUIFAX, INC.
State: NV
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:
According to my research about FCRA 605, Credit Bureaus 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 are 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief