BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Liberty Career Finance, LLC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. LIBERTY CAREER FINANCE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.LIBCAREERFIN XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXX  account # 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 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: 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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank suddenly, without notice, closed my account on XX/XX/23 apparently because I was deemed a threat to the bank. I requested information today on how they decide when a person is a threat to the bank. However, they did not give me any reasons why. They simply said that it was a done deal and there's nothing that I can do to correct the issue. They mentioned that a letter was mailed to me on XX/XX/23 however I have yet to receive it. I have not given JP Morgan Chase reasons for this to happen. I have been a member of this bank for more than 15 years and have never had any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2023-04-27
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/ at about XXXX XXXX EST, my bank account with Chime was compromised. My phone number was changed to ( XXXX ) XXXX XXXX and I was no longer able to access it. After the change in phone number, I was notified through email that {$1000.00} had been sent to another Chime member XXXX XXXX, whom I don't know. Spoke to Chime regarding the issue of someone trying to gain access to my account about 2 weeks ago because I was getting random security code texts. Was told by Chime not to worry and my money was secure. What a joke! I tried to warn them and they allowed my account to be compromised anyway! Now I have to wait 60 days before money that is MINE is returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2021, I received a bill from Victoria Secret ( commenity bank ) for charges that I did not make and I did not receive. They started an " investigation '' and in XXXX they sent me a letter stating that the charges were going to remain on my account. Whenever I call them, their agents will either hang up or transfer me when I ask for their names. I am trying to refinance my house and I once again disputed the charges. Their " investigation '' that XXXX from the fraud department stated, " was done by the FBI and showed that I received the products and they were not going to remove the charges from my account. '' XXXX also claimed that " the FBI took photos of me wearing the clothes that I was disputing. '' I do not believe that the FBI investigates anything for commenity bank and Victoria 's Secret. They have since reported the account closed but didn't report that the account was paid in full. It shows a balance of XXXX. XXXX stated that because they closed the account, I can not claim fraud and have my money returned to me. The fraud was reported in XXXX and they waited until XXXX to close the account after I had made the payment and their reason was because I reported the transaction as fraud. XXXX then stated that my voice sounded too feminine and so she was flagging my account and wouldn't answer any more questions. She then asked me if I had any other questions that she would refuse to answer. XXXX was laughing and stated that I would just have to live with whatever they decided to do to me and that she could ruin my life if she wanted to. They are refusing to report my account as paid in full and stated that they would report the payment whenever they felt like it and XXXX stated that she was going to report my entire credit history as fraudulent and that I would never get a loan or be able to refinance my home. The money has been taken from my account to pay this bill and XXXX also stated that they could report the charges on the account indefinitely and there was nothing that I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had 2 wire transfers ( XXXX Euros Each ) sent to my Wells Fargo Checking Account from XXXX XXXX on XX/XX/2023 through XXXXXXXX XXXX. My account was only credited with one of the transfers. 

Wire Reference # 's ; 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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2019-07-16
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed a check on XX/XX/XXXX for a total of {$50000.00}, which included my monthly mortgage payment of {$1800.00} and an extra payment of {$48000.00}, which is the proceeds of the sale of my former home. This check was deposited by The Money Source ( TMS ) on XX/XX/XXXX ( see attachment ) and then backed out of my account on XX/XX/XXXX, when my account was transferred to my new loan servicer, XXXX. I was not informed that my payment would be backed out of my account, the payment has not been transferred to my new account at XXXX, and I no one has been able to tell me when ( or even if ) the money will be either transferred to my new loan servicer or sent back to me. Below is a timeline of events with evidence attached to this complaint as available. 

XX/XX/XXXX - Check deposited by TMS ( cancelled check attached ) XX/XX/XXXX - funds backed out of my account ( account activity attached ) XXXX - I called TMS customer service and asked for an explanation and update as to when the money would be sent to XXXX. I was promised a phone call by XXXX XXXX - I called for an update since first representative never got back to me, was promised a phone call by XXXX XX/XX/XXXX - I called again for an update as XXXX rep never got back to me, was promised a phone call XX/XX/XXXX XX/XX/XXXX - I called again for an update, as XX/XX/XXXX rep never got back to me, was not able to get one, spoke briefly with XXXX -- Supervisor. He has promised me a phone call ( with or without update ) on XX/XX/XXXX XX/XX/XXXX - I emailed XXXX XXXX - VP of Customer Experience - with full explanation. On XX/XX/XXXX She says she will hopefully get back to me by XX/XX/XXXX. ( email exchange attached ) XX/XX/XXXX - Called a rep ( from XX/XX/XXXX call ) who had given me their extension. No answer and no call back, I left a messages requesting a call back with or without an update. XXXX - Supervisor - who promised to call me today did not call. 

At this point, TMS is costing me money by holding the payment, both from PMI that could be removed from my loan and in interest earned on the balance on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Velocity Portfolio Group
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive sent A identify theft affidavit.. to the credit bureaus as a victim of fraud ive been challenging this accounts and its being put back on my account I have tried countless of times.

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 2022-04-27
Company: Experian Information Solutions 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:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST XXXX, EXPERIAN, AND XXXX XXXX FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.

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 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law 15 U.S. Code 1681g - Disclosures to consumers

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 2023-07-13
Company: EQUIFAX, INC.
State: NC
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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have not Applied for any credit account or loan accounts in the last 3 years and I have noticed I have some inquiries on my TransUnion account that I did not authorize. I was told that they would be a soft inquires but instead they were hard inquiries by these companies listed below!! These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. A request for your credit history is called an inquiry. There are two types of inquiries, hard and soft. A soft inquiry will not affect your credit score, but hard inquiries may. Hard inquiries remain on your credit report for two years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27
Company: Experian Information Solutions Inc.
State: NC
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:
The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}

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