BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
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 am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-03-09
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: Reporting company used your report improperly

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # # ( Various Inaccurate dates and information concerning ownership and balances exist on each one ) All Listed accounts have 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 instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information, other than records of convictions or 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 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 2023-02-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023, someone had actually stolen my identity, logged into my personal accounts from CHASE and transferred $ XXXX from all of my monies to a joint account, transferred it out to a personal account and into an external account. 

I have reached out to chase to reverse this, but they said that they can not reverse it. 

I have filed with the XXXX Police Department and the claim number XXXX I have four claims to dispute this account with Chase, but one of the claims denied me in reversing this is XXXX. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
CFPB + Experian, Why are you refusing to fix errors on my credit report, that I have provided you proof are wrong, with a letter from the credit card company stating the same thing? 

You are allowing errors on my credit report - that I demand are fixed per law. 

I AGAIN filed this complaint number XXXX located here : https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX ) I provided a letter from XXXX Card ( attached AGAIN ) that told you to change the hard inquiry to a soft inquiry on date : XX/XX/XXXX. THE CREDIT CARD COMPANY TOLD YOU TO CHANGE THIS FROM A HARD PULL TO A SOFT PULL. By law you are not allowed to do as you want - you need to change this from a hard credit inquiry to a soft credit inquiry immediately. They also sent you the same letter dated XX/XX/XXXX and as I type this XX/XX/XXXX you still refuse. 

This is copy and pasted from the attached letter from teh credit card XXXX : " An application was submitted on XX/XX/XXXX, using information verified to you. You notified us on XX/XX/XXXX, that this application was not submitted by you, and we have marked the application as XXXX. '' We also asked the credit reporting agencies to mask the credit inquiry from your credit report, which means it will only be seen by you and the reporting agency and not by any other organization reviewing your report. We sent the enclosed confirmation letter dated XX/XX/XXXX. '' XXXX ) I provided you PROOF that my XXXX  XXXX credit card ( attached again ) was opened on XX/XX/XXXX and has been paid on time each month. Every single month needs a check mark indicating as paid on time. XX/XX/XXXX through XX/XX/XXXX NEED TO HAVE A CHECK MARK AS PAID ON TIME. 

Experian, you are required to change the hard credit inquiry to a soft credit inquiry as stated in ( # 1 ) above as well as have a check mark on every single month ( # 2 ) has been opened and paid on time. 

Attached to this complaint are : - Drivers license - Social security card - Mailing address - Complaint letter- XXXX letter

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital one credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act capital one 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 instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit System, phone number ( XXXX ) is the creditor for XXXX XXXXXXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX -- This is reported on my credit report as negative in XXXX of 2020. This is fraud. I have never been to Georgia and therefore never stayed at some apartments. I have tried disputing this multiple times. My purse was stolen along with all my information 3 plus years ago and this is obviously a result. I have had to pay for XXXX ( credit monitoring ) to try and keep my credit info blocked which has helped but sometimes on my reports their will be people in XXXX TX as well that are using my SSN number at their apartments. I just want to get this off my credit report because it is not ME. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 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 2022-12-13
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sunday ( XX/XX/XXXX ) - I notice my account is locked. I call Marcus by Goldman Sachs and they have the account unlocked. I go to my account to transfer money and it says there are technical errors and to try again in a few hours. 

Monday ( XX/XX/XXXX ) - I am still receiving the same error so I open a chat. The chat representative tells me I have a no debit hold on my account. They tell me to call XXXX Tuesday ( XX/XX/XXXX ) - First call : I call at XXXX and explain the situation. After waiting an hour, she informs me that there is a garnishment placed on my account. Then, I call the IRS and I'm informed that it shows no debt on my account ( both through the IRS and private ). 

Second call : I call and within 10 minutes, the representative tells me I have access to my funds. I hang up and immediately try to transfer money and get the same message. 

Third call : I speak with an agent who takes 30 minutes to tell me that I have a garnishment on my account. Then, I have to wait another 30 minutes to speak to a supervisor who told me to check my credit with a credit bureau. 

After checking the credit bureau, there is still zero sign of any debt that I am unaware of. All loans and credit cards have been paid off on time. Marcus has been completely unhelpful in getting me the information or source of the garnishment. In total, I spent over five hours on the phone trying to figure out this problem today and I still have zero answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was notified by PNC bank XX/XX/2022 that someone took money out of my checking account ending in XXXX. XX/XX/2022 someone took {$2300.00} out of my checking account through XXXXPNC Bank without my authorization. I received a call from PNC that I was to come to the branch immediately so that they could give me a new checking account. They said they would need to contact XXXX for the money back. Neither is willing to give me my money back. It's almost as if they are saying to me too bad this happened to you, but we are NOT going to help you get the money back. I explained to them that I am protected by the Regulation E act and by law they have to give me my money back. I was a victime of Identity theft last year as someone stole my social security number and they attempted to file for Unemployment benefits in PA. I am seeking a full refund from PNC bank. They need to stand by their consumers and protect them from this type of thing happening. I trusted them with my money and now I am being punished for being a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Vance and Huffman LLC never sent me a debt validation letter, nor have they provided proof of sending any notice of debt to me. Vance and Huffman , LLC continue to report a derogatory collection account to my consumer credit file. Since Vance & Huffman is continuing to report, I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. 

I have learned that this is in violation of the FCRA and the FDCPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
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.

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: 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. 


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


Account name XXXX  Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Closed Account info Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 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 2023-02-12
Company: EQUIFAX, 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:
Equifax and XXXX are continuing to report the account XXXX XXXX XXXX XXXXXXXX on my credit report when XXXX XXXX XXXX  informed me that they have contacted the credit bureaus to have them remove the account. XXXX is the only credit reporting agency that has removed the inaccurate account. Please see the attached letter that was sent directly to XXXX XXXX XXXX  which is dated, and time stamped. XXXX XXXX has done their part, so if this is not immediately removed, I will be seeking legal action against Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation