BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: CA
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. 
Account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 states I have the rights to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC. 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 incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-04-10
Company: EQUIFAX, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
I booked a hotel room using my Chase Travel Rewards ( XXXX points ). When I arrived at the hotel ON XX/XX/2023 I was told I didn't have a reservation. I produced my receipt from Chase Travel Rewards and the clerk claimed she didn't have that reservation. I called Chase and spent an hour on the phone while they tried to clear it up with XXXX XXXX. In the meantime, I paid the hotel charge of {$210.00} because it was after XXXX XXXX and my wife and I were tired. Chase assured me they would clear this up. It is now XXXX and Chase has closed the case because the vendor says there is no mistake. I paid cash AND points for the same reservation. In 3 months, Chase hasn't been able to get me the money or the points. This entire transaction was done within the Chase program - using my poionts through Chase and paying with my Chase credit card. It is very black and white to even a child that I was billed twice for the same hotel room.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights.

In Accordance with the Fair Credit Reporting act, US DEPT. OF EDUCATIONXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AL
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 CALLED AND SPOKE TO SOMEONE FROM EQUIFAX ABOUT A TWO MONTHS AGO ABOUT THESE FRADULENT CHARGES ON MY ACCOUNT. THEY HAVE YET TO REMOVE THE FOLLOWING : XXXX IN THE AMOUNT OF {$1200.00} FRADULENT OPENDED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX  IN THE AMOUNT OF {$290.00} FRADULENT OPENDED ON XX/XX/XXXX. I HAVE FILED A COMPLAINT WITH IDTHEFT.GOV AND WITH MY LOCAL POLICE DEPARTMENT! HAVE THESE ITEMS REMOVED ASAP. FOR THIS HAS CAUSED MY JOB NOT TO BE ABLE TO ADVANCE ME TO HIGER POSITIONS. I AM EXTREMLY UPSET AT EQUIFAX FOR NOT REMOVING THIS INCORRECT INFORMATION! TAKE THE INCORRECT ITEMS OFF ASAP! I HAVE ATTACTED MY POLICE REPORT AND MY COMPLAINT WITH ID THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: MARINER FINANCE, LLC
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: Account information incorrect

Complaint:
report correct balances on credit reports should be all at {$1700.00}!

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 explanation
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I originally submitted a trip delay insurance reimbursement request to my Chase United Visa Credit card at the end of XXXX for a trip delay for my family of 4 to XXXX at the end of XXXX ( before 60 days ) when we were stranded in XXXX instead. We had to purchase two hotel rooms in XXXX, couldn't cancel our hotel in XXXX, purchase food in XXXX for the day that we were there, and then had to purchase four train tickets the next morning to XXXX because there were no available flights. This was during the XXXX XXXX XXXX XXXX XXXX. 

Our credit card, which was used to purchase all four tickets, has trip delay insurance coverage, which I read all the details about, and we are entitled to reimbursement for our four travelers for a total of {$1300.00}. 

I have provided mountains of documentation, including all receipts for all expenses and proof of purchase via credit card statements. 

The credit card insurance provider, for 2+ months now, keeps waiting 1-2 weeks each time something is submitted, and then they ask for another document each time stating something that was previously not requested has not been provided. This has happened for at least four iterations In the last one, they asked for a document that I already provided. 

It has become clear that they are purposely delaying and making it as difficult as possible in the hope that I will give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-10-18
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-04-20
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX United States any other address or names is not legal.

I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are not my accounts, nor are the names listed on my credit profile. Please remove them.

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 2023-03-07
Company: EQUIFAX, 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:
EQUIFAX USING 15 USC 1681A2 I didn't give written permission to have those accounts furnished on my report. 

Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS I NEVER OPEN OR APPLY FOR. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THERE IS XXXX INQUIRIES THAT I NEVER EVER RUN MY CREDIT FOR ANYTHING BECAUSE I KNOW MY CREDIT IS BUILDING NOW. 

AND THERE IS XXXX HARD INQUIRIES THAT I NEVER EVER PULL OR RUN MY CREDIT. 

XXXX. 
ALL THIS ACCOUNTS SAY CLOSE I NEVER OPEN ACCOUNT WITH THIS BANK. 
XXXX XXXX. 
XXXX XXXX 
XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX  NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THIS ACCOUNTS I EVER OWN IN MY LIVE. 

HARD INQUIRIES XXXX THAT I NEVER APPLY FOR AT ANYTIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Mediation Recovery Center
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Mediation Recovery Center stating that I owed a debt of {$4300.00} but they would give me a discount to {$3500.00} if I paid today. I always pay all my bills and have a good credit score XXXX. I called and the person answered the phone and immediately started telling me about a bill I owed. He did not ask me any identification questions. He started threatening me that they have a very large file on our case and stated we owed this money for durable medical equipment provided at the time of a XXXX my husband had in 2018. He stated he had EOB 's from the insurance, signed contract to pay from my husband, etc. I am a XXXX XXXX  and I know that my husband did not have or require the durable medical equipment that he was talking about. I also have never received a bill or any prior communication about this. I was suspecting a scam. I asked him to send me the EOB and signed paperwork from my husband. I then stupidly did provide him with my email address. He did send me a letter supposedly from this durable medical equipment company, but was something that he could have typed up, he did not send EOB 's or a signed contract from my husband. I told him I thought this was a scam and he became very threatening to me, stating that he would just push it through to ruin my credit report if I did not want to pay today. I hung up on him. I then XXXX  the company and it looks like others have had this experience and it is a scam. I did not give these people money but I am reporting them hoping to put a stop to them scamming other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
It has ben XXXX months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please help!

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 2023-11-16
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
VALOR INTELLIGENCE HAS DAMAGED MY CREDIT FOR A DEBIT THAT I DID NOT OWE, THEY Fraudulently REPLACED A DEBT ON MY CREDIT REPORT THERE BY DAMAGING MY CREDIT Dropping MY SCORE, THE DEBT THEY ARE TRYING TO COLLECT HAS BEEN DESPUTED IN THE PAST AND REMOVED FROM MY CREDIT. I WAT THIS FRAUDULENT COLLECTION DELETED FROM MY REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Lender : Pentagon Federal Credit Union The bank repossessed our XXXX XXXX XXXX. Even after the bank found evidence that our car had a repayment contract and the information was filed incorrectly, the memo was sent to management within the bank and the repossession department, the supervisor stated that we have to repay {$1500.00} to get our car. The bank/lender failed to file our paperwork in the accounts correctly. We made a payment towards the repayment contract on XX/XX/XXXX. My husband calls the bank every month to pay and update the records and we were not notified of any potential for repossession. We were told everything was good and set for our cars after using the repayment contract called a BUMP program at Pen Fed. I have proof of emails sent and the contract we entered with the lien holder, and was notified that it was not supposed to be up for repossession. 
Please help. 

Sincerely, XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX settlement XX/XX/XXXX. I had 3 loans which met this criteria each one was established during XXXX by XXXX XXXX XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than XXXX consecutive months of delinquent payments prior to XX/XX/XXXX. Per them report to XXXX my last payment was in XX/XX/XXXX on a accounts established in XXXX. and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XX/XX/XXXX. 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With XXXX XXXX still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from XXXX and Experian and all remedies applied per the settlement.

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 2023-07-05
Company: InDebted Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from INDEBTED USA INC. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.

Company response to consumer: Closed with explanation