BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: Cedars Business Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedar Financial - " Putting People First '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX This letter is to confirm once again per my XX/XX/XXXX letter that the aforementioned debt was not incurred by me, it is not my personal responsibility, nor is it my personal debt. See attached copy of my previous letter. 

I did receive your XX/XX/XXXX letter which wrongly associates and fraudulently claims the above as my personal credit obligation and personal debt. 

Further confirming the shoddy methodology of Cedar Financial, and the inaccuracies in Cedar Financials threats and activities, is the third page of your letter of XX/XX/XXXX in which you wrongly sent me a copy of the dunning notice in behalf of another of your clients [ see PDF ] based in XXXX, California  -- - a notice in which you are pursuing patient [ see PDF ]. The document you sent me includes the persons [ patients ] medical information, contact information and social security number. 

In wrongly sending me the document of one of your other clients and not the client whose debt you are claiming that I owe but which I do not owe and have no personal liability or responsibility. 

By sending me these documents that are relevant to another of your clients, your company, Cedar Financial Putting People First - along with your apparent client [ see PDF ] appears to have violated the HIPAA ( confidentiality regulations ) in the activity of your shoddy workmanship and shoddy collection activities. 

According to the The HIPAA Privacy Rule as published by the Health and Human Services Department of the United States Government https : //www.hhs.gov/hipaa/for-professionals/privacy/index.html The HIPAA Privacy Rule establishes national standards to protect individuals medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically. The Rule requires appropriate safeguards to protect the privacy of personal health information, and sets limits and conditions on the uses and disclosures that may be made of such information without patient authorization. The Rule also gives patients rights over their health information, including rights to examine and obtain a copy of their health records, and to request corrections.

Cedar Financial and your client [ see PDF ] have evidently violated the HIPAA Privacy Rule by sending me the document, and evidently claiming that that debt for {$1400.00} claimed by the [ see PDF ] (  which I had never heard about and with which I have never been involved ) is somehow my personal debt, as you have claimed about your other client [ see PDF ] - - - and this needs to be reported to the Department of Health and Human Services, perhaps the Department of Justice and other relevant government authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are three inquiries on my Equifax Consumer Report that I did not authorize to be there. I did not giver Permissible Purpose! The Inquiries are listed below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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:
I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) XXXX  XXXX ( Late Payments/ Delinquent ) XXXX  XXXX ( Late Payments/ Delinquent )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was on vacation through my current time share company, XXXX. I was recruited by XXXX for a sales seminar for another " higher '' timeshare that was for the parent company, XXXX, of what I already have, XXXX. First, we were scolded that we did not " check-in '' at the " help '' desk until 3 days into our trip. Now I know that those 3 days are 3 days that they have to keep us from looking at the paperwork. I was lead to believe that I was just getting a " deluxe '' program of what I have now. I NOW realize that I have a MORTGAGE with ANNUAL maintenance fees close to {$1000.00} and also MONTHLY fees of almost {$100.00}! My boyfriend was present and he was unaware that they just sold us a MORTGAGE!!! So it was not me no hearing them. We were there for about 4 hours. At the very last 20 minutes, we were put into a different room with another person who put all of these pages in front of me at a rapid pace to sign because she had to be somewhere with her daughter. I was NEVER told that I was BUYING a piece of PROPERTY! I was really misled. The next day I called the man who had taken us to the sales seminar, XXXX, to ask him about the paperwork and mortgage and he said he would talk to us in " 30 days ''. I do not understand what is the importance is of " 30 days '' and why he would not talk to us just 24 hours after spending 4 hours with us the day before! XXXX had asked me if we wanted to see this place and we thought it was just another time share and said no. He SHOULD have said " YOU JUST BOUGHT THIS PROPERTY/ MORTGAGE AND SHOULD LOOK AT WHAT YOU BOUGHT! '' But, he did not. If he did, I would have known I was scammed. I tried to call XXXXXXXX XXXX XX/XX/XXXX to discuss cancelling my contract but the office was closed when I called at XXXX XXXX. Looking back, it was a total card trick. I just want my XXXX back. XXXX salesmen are unethical. I just want out of the contract.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of 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 2023-08-02
Company: Experian Information Solutions Inc.
State: NY
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 name is 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 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 explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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:
I have filed an identity theft report with the FTC and have disputed this account with the credit bureaus to no avail. The following account does not belong to me, maybe they are confusing my name with somebody else. Please alert the credit bureaus to remove this from my credit : XXXX XXXX XXXX {$25.00} opened XX/XX/2012

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 2022-07-13
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-01-06
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: LA
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 submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act and I dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureaus ' investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.

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 2019-02-13
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
I applied for this credit card in XXXX, 2019 and then called, The account was open and then I called to close it because it did not meet my needs. I have not received an email stating the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-27
Company: U.S. BANCORP
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
- I have received a misleading notice from US Bank, letting me know that I have been approved for a loan. An email stating " Congratulations, your loan is approved '' can be provided as evidence. 
- This email included a " Accept your loan '' call to action. 
- After clicking this call to action, and accepting the loan, I was asked to provide my account information ; the information of the account my checking account where they would disburse the funds and also to set up autopay from this account. I provided all the information. 
- After submitting all this information, I received a " this is not supposed to happen '' -type error message on the screen. 
- I called and was being told that all is good and the loan just needs to be confirmed by an underwriter. I should go to my local branch and sign the paperwork. 
- I went to my local branch and they didn't have the actual paperwork. Told me they'd call me when they have everything. 
- I received a call after 3 days from someone asking me for the two latest pay stubs. They called it " verifying my information ''. So my loan wasn't " approved ''. This is misleading and deceptive. 

Long story short : US Bank provided misleading statements which lead me to waste time, money and resources on their process. I was obviously not approved. It also slowed down a construction project which was supposed to be funded with this loan. They further set the expectation that it was just a matter of signing the paperwork online. Which was inaccurate. I decided to stop this. Sadly, they had already run my credit and now I have this on my credit report. 

I think this needs to be reported. US Bank can't do this. They're setting inaccurate consumer expectations. They need to be called out for this. This needs to have consequences. 

I did the same thing now with XXXX, who also sent a " You are approved '' email. It took 15 minutes and everything was closed and done. A day later the funds were on my account.

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 2021-11-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
ACH Bank Fraud, On XX/XX/XXXX XXXX XXXX performed an unauthorized transaction for {$23000.00} using a fraudulent business account via JP Morgan Chase. His CCB transaction number is XXXX. JP Morgan Chase has acknowledge that this was fraud but they have yet to return the funds back to my business account with XXXX XXXX. These funds were deposited into my business account from the SBA Paycheck Protection Program. As of XX/XX/2021. Any help would be greatly appreciated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters on XX/XX/2021 about inaccurate and unauthorized items on my report. Over a month has passed and I have not been sent any paperwork about the reporting. Please reach out to them and have them respond with factual information other than just saying verified without providing proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

Company response to consumer: Closed with explanation