BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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 XXXX XXXX  ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX  ) have all violated my rights. 

15 U.S.C 158+ section 602 A, states I have the right to privacy.

15 U.S.C 1591 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.. 


2 of the accounts are past the statue of limitations in the state of iowa. And the accounts are inflated and the furthest from truthful. 


and for XXXX and XXXX XXXX. My identity was stolen and these accounts were opened fraudulently. I notified them both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX inquiries on my credit report that XXXX and Transunion are reporting that are not mine I have not approved submitted or signed for any of these and I dont know how these appear on my report XXXX - Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX  - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - Inquiry date : XX/XX/XXXX 2020

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 2021-06-22
Company: EQUIFAX, 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:
XXXX. XXXX XXXX XXXX Collection I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reportingXXXX  derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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: Account information incorrect

Complaint:
The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXXXXXX 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 2023-06-29
Company: Edge Home Finance Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We are trying to sale our home after a split. One deal initially fell through because a loan company did not verify employment until 2 days prior to the closing. House went back on the market, XX/XX/XXXX. We had an offer presented by another buyer within a day. We received title documents on XX/XX/XXXX. The closing date summarily after this was moved FIVE times. A week ago, I checked the name of the loan officer for seller out of curiosity. The loan officer is a woman from my now ex-husbands past. The contract closing date passed XX/XX/23. I believe whole heartedly the reason the loan was in such jeopardy was the loan officer 's vindictive, calculating and unethical goal to destroy our opportunity to sale our home. At the point of the contract being presented to her, the loan office should have recused herself citing the fact that there was a conflict of interest with one of the sellers because of past relationship to his family and children. Instead she proceeded KNOWINGLY in a sham of a loan attempt. This has caused unimaginable financial harm, mental and emotional harm and unnecessary stress. I tried to call the owner of the mortgage company today, XX/XX/23 and the owner hung up in my face when trying to recount the circumstance. This loan officer should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was injured by a company 's product. They paid me by PayPal as an apology for the injury. It was a goodwill gesture made by person to person payment. I'll attach of a copy of the PayPal receipt. There was no service or goods rendered. I called PayPal to ask why I was charged a fee, and I was told that there's a fee for goods a services of 1.9 %... okay but this is NOT goods and services. I asked to refund the money to the sender so we could just avoid PayPal all together. The PayPal representative stated that too would incur an additional fee. This is ridiculous. There never should have been a {$2.00} fee. I want you to refund the money you took inappropriately. You shouldn't charge me any other fees. I never want anything to do with PayPal. Such a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

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. has violated my rights. 

( XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX For # C ) 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 2022-07-25
Company: I.C. System, 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: Information belongs to someone else

Complaint:
I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.

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 2023-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: AZ
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 in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
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. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of XXXX : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX  Date of XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-09-26
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've opened 3 disputes with my bank PCN, one of them was approved without any issues ( case XXXX XXXX ) but the other 2 claims XXXX and XXXX were denied without any reason. All 3 transactions are from the same merchant and same issue. 
The seller never sent the items. I sent to the bank all the requested information, sales receipt, my signature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
American Express closed my checking account and stated it was due to an incorrect address, the address was input by customer service who misspelled my street name and I was not notified in advance of this action. 
Additionally, The previous complaint that I filed was closed based on the fallacious answer via letter from Amex in which they state that I made a late payment directly contradicting the outcome of the directly previous complaint that I'd made about them stating that I had not paid when I had and was NOT late in this complaint their resolution was to REPAY ERRONEOUS LATE FEES. 
They follow up with an iteration that they follow the REMA laws, when in fact they do not. Audits are NOT randomized and a customer service worker explained that it was " something in my credit report '' that caused the audit. 
I have searched all credit agencies AND XXXX and have NOT found any information that would justify an audit. 
I provided more information to them upon request than I provided to acquire the account XXXX years ago. 
They ignore it claiming that I needed to show them wages and investments etc. 
I generate several streams of income none of which I have to justify and since there was no valid catalyst for this audit, I continue to posit that this is discriminatory/ retaliatory and unlawful under several rema laws which I will cite here : the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 16911691f, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) 2 The Federal Financial Institutions Examination Council ( FFIEC ) Interagency Fair Lending Examination Procedures ; page 29.

3 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

4 12 CFR 345.41 ( a ).

5 12 CFR 345.41 ( c ) ( 2 ).

6 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

Please do not close this complaint until you receive an actual answer as to the lawful cause for the audit and the adverse actions other than a simple " denial '' any criminal simply can deny any action, this does not make the statement valid. 
My credit rating fell from XXXX to XXXX through no action of my own and I don't want to receive another generic boilerplate letter intended to make me seem at fault when simple forensic investigation PROVES otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying multiple times to dispute the erroneous items on my report but my disputes has been ignored by the Credit Reporting Agencies. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. I am investigating my Credit File for proper understanding my XXXX XXXX XXXX noticed the following : 1 ) the account DPT EDXXXX XXXX Balance Owed : {$3700.00} is reporting as late when in fact I never paid late for this account ; 2 ) the account XXXX XXXX  XXXX Balance Owed : {$0.00} has been paid and the balance is XXXX and yet the accounts is being reported as late ; and 3 ) I noticed that the disputed accounts report their dispute status as " Account not disputed '' even though I have been disputing this account for 6 months already. How could the Credit reporting Agencies report the status as " Account not Disputed '' when I have been disputing these accounts for a long time already? It made me wonder whether the Credit Bureaus are really contacting the Creditors or are they just making things up. As what the Credit Bureaus have responded to my CFPB Complaint via Consumer Portal, the Credit Bureaus have verified that the disputed items are accurate. It makes me doubtful of the Credit Bureaus action and I need to stop their erroneous reporting by updating the disputed accounts or completely removing the disputed accounts completely from my Credit file.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
C

redit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incom
plete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XXXX XXXX, 2022 to Transunion, XXXX  and XXXX  and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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