BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
marketed a preapproval program on creditkarma to refinance a car at a lower rate, it said i could get preapproved with no affect on my credit, company i was sent to is XXXX didnt like the offers on XX/XX/XXXX so didnt move forward and today XX/XX/XXXX XXXX checked my credit and summitted it to XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX i reached out and was told i gave explict consent and " there must have been some confusion sending the application through credit karma '' the extra inquires are affecting my credit and i didnt give consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided

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 2023-03-28
Company: EQUIFAX, INC.
State: OH
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 account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect ( the late payments, the loan amount, the balance amount ). The information is also not the same across the board when looking at each credit bureau report they all have different infomation in regards to this account. I am asking that this account be removed from my credit report for the information shown is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX  Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: FL
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:
Accounts : XXXX XXXXXXXX - {$470.00}, XXXX XXXXXXXX - {$540.00}, XXXX - {$100.00}, XXXX XXXX - {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - {$1900.00} Dispute letters were sent to credit bureaus ( XXXX, Equifax, XXXX ) on XX/XX/2023 through USPS certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$9800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is incorrectly reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) This late occurred after the account was closed. This is not reporting on XXXX or XXXX. This incorrect reporting is harming my credit score. Please delete this line item 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 2023-07-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo transferred from one account to another which was not authorized by me and advised me of this by letter on XXXX and has made NO effort to reimburse me of the lost monies because of this. This transfer was NOT authorized by me thus allowing a scammer to make me think that one of the bank employees was scamming my account and he would make every effort to retrieve the monies for me. When discovered by me, I reported this to their fraud dept. who stated in their letter dated XX/XX/22 that the case was closed because " we couldn't reverse the online transfers, either because there wasn't enough funds in the account or the account has been closed ''. Your claim is now closed ''. Yes the accounts in question were closed by me when I realized other unauthorized persons had access to my four ( 4 ) accounts. A wire transfer to XXXX XXXX was Not authorized by me " as the money will not be returned from the receiving receiving bank ''. A police report was also made to the XXXX Police Dept. The bank did not investigate this issue other than to tell me they could not get any of the {$87000.00} I lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Amsher Collection Services, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
AMSHER COLLECTION SERV and XXXX reported my personal and private information between each other. I was never given a policy notice upon contracting with XXXX  in written form or any form at all as well as not provided with one annually in accordance with the GLBA giving me the option to OPT IN OR OUT and I'm excising my rights under the Gramm-Leach-Bliley Act to DEMAND these companies to STOP reporting my personal transactions and experiences to my consumer report. 

Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. 

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses. 

Kindly, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have identified an account transaction being reported on my credit report without my consent or authority. I never gave any written consent to the furnisher or the reporting company to utilize or share my nonpublic personal information. 

Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditor who furnished this information also failed to provide me with disclosures to opt out before disclosing any of my personal financial information to third parties. 

The company 's unauthorized actions have adversely affected my credibility.

Company response to consumer: In progress
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act. XX/XX/XXXX account # 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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

It is past the 4 days and no action has taken. When I call I'm told to keep waiting

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have asked for help more than 15 times and Transunion continues to refuse to assist me, instead choosing to harass and mistreat me, mostly by talking over me constantly, but also by asking me questions I am unable to answer, and refusing to answer any of my questions. 
I simply wish to resolve whatever issue prevents me from filing disputes online so that I can handle this business online, and not be subjected to the harassment and abuse of their telephone reps.

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 2023-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to the ATM at the XXXX on XXXX XXXX XXXX XXXX, I made a withdrawal and the ATM malfunctioned and didn't give me the money I called the number displayed on the ATM and they took a report and told me to contact my bank for the money, I know things malfunction but this is the second time at the same ATM and I have to wait upto weeks to get back my money. I should be compensated immediately, but I am left with nothing until they decide to give me back my money. This has caused me stress and frustration, I have a bad XXXX and this is making my medical situation worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: In progress
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the several time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was among those affected by the Equifax data breach. As their response has been lacking, ( executives selling stock before hack was disclosed, sending wrong information as to who has been affected, and not outlining any corrective measures ) I 'm complaining because I have had to freeze my credit reports in the hope that will my credit report from being abused. 

I had to pay a {$30.00} in fees to freeze all 3 of my reports ( XXXX, Equifax, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, There was a fraudulent charge made from my PayPal account to someone I do not know. My PayPal is under XXXX and I usually use it so that my son can pay on XXXX. The amounts are usually for {$4.00} or {$9.00}. But today, there was a payment of {$700.00} to XXXX XXXX. There was a {$25.00} fee associated with the transaction. I tried to dispute this with PayPal, however, PayPal immediately said that it looked like all my other purchase history so it was valid and they let the charge go through. I tried to contact my bank to make sure the transaction did not go through, but the bank said they have no say in money/currency being moved around via apps online. PayPal has now closed the " investigation '' which was a complete joke and now I can not dispute it further. Is there anything you can do to step in and assist? This is so ridiculous. I immediately tried to dispute this, minutes after it was submitted. I can't be any more diligent than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Reporting company used your report improperly

Complaint:
i got account that are inaccurate and need to be removed from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!

Company response to consumer: Closed with explanation