BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
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: Their investigation did not fix an error on your report

Complaint:
The debt that XXXX XXXX XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX . The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the behalf of XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a notice from XXXX XXXX XXXX XXXX Date opened XX/XX/ Account number XXXX Original balance {$2200.00} However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.

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 2023-07-26
Company: EQUIFAX, INC.
State: HI
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:
Title 15, United States Code, Section 1681, paragraph ( 2 ) ( a ) ( i ) pertains to the Fair Credit Reporting Act ( FCRA ), a federal law that regulates how consumer credit information is collected, used, and shared. This section of the FCRA specifically addresses the definitions used in the Act.

Section 1681 ( 2 ) ( a ) ( i ) defines the term " consumer report '' as follows : " ( 2 ) Consumer report ( a ) In general. The term 'consumer report ' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( i ) credit or insurance to be used primarily for personal, family, or household purposes. '' In simpler terms, a " consumer report '' is any communication by a consumer reporting agency that contains information about an individual 's creditworthiness, credit standing, reputation, and other relevant aspects of their financial behavior, which is intended to be used for evaluating their eligibility for credit or insurance, primarily for personal, family, or household purposes. 






Regenerate response Send a message

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Self Financial Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company offers credit building. I used my own money and secured XXXX separate loans under Self Lender. ( # XXXX & # XXXX ). Self Lender disbursed funds under two separate names : The 1st was Self Financial Inc./Lead Bank # XXXX and the 2nd was XXXX XXXX Self Lender XXXX XXXX. I made monthly timely payments that were drafted from my debit card monthly. I called the company to update my debit card so that they could continue taking the monthly payments and they did not update the information. Their error caused late payments on my account. I was not aware they had not updated my account until recently when I saw my credit report. I disputed the information because its an error on their part. Self Financial Inc ./Lead Bank XXXX XXXX Self Lender added additional late payments to accounts that were closed in XXXX and XXXX. This was retaliatory, incorrect and malicious. I paid my debt. They should not be able to reopen a closed account nor should they be able to add fraudulent information two years after the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: AL
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/2022, 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 Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a identity theft affidavit with a police report number around XX/XX/2023 to show i was a victim of identity theft the company did not take the proper steps by law to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : XXXX XXXX XXXX XXXX opened XX/XX/XXXX  - Acct number XXXX XXXX XXXX XXXX XXXX opened XX/XX/ - Acct number XXXX XXXX XXXX XXXX XXXX opened XX/XX/2019 - Acct number XXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.

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 2022-06-20
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 XX/XX/XXXX Account # XXXX withXX/XX/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 explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 1 5 USC 1681. 1.Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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. 16818-2 ( 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX with XXXXl 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 2022-11-12
Company: Experian Information Solutions 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:
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.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX Account Number : XXXX Delete this account. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Account Number : XXXX Delete this account. 
5. Validate Inaccurate/Reported Late payment XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX LOWER LAKES ESTATES XXXX XXXX, MO XXXX 12. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX LXXXX XXXX XXXX XXXX XXXX, MO XXXX 17. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2000

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 2022-01-31
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Chase bank sent me a pre-activated card that was stolen before it reached me. This stolen card was used to make a fraudulent purchase in another state, I live in NJ and the purchase was made in XXXX, Ohio. I was alerted by the bank at XXXX that a suspiscious charge was made on this card, to which I replied that it was not me. The bank then canceled the card. Unfortunately for me there was a charge prior to the one that prompted the fraud notice. I have repeatedly tried to get Chase to recognize this as a fraudulent charge, without any luck as of yet. I have filed a police report with my local police department ( XXXX XXXX Police Department ) in XXXX XXXX, NJ ( case number XXXX ). I have spent hours on the phone with XXXX at the direction of Chase Bank, only to be told that I need to follow up with the police. Chase Bank continues to put the onus of this investigation on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 
I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation