BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: IL
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:
These bureaus are falsely reporting alleged debt which is a FDCPA Section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MA
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 am writing to submit a formal complaint against Equifax in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from Equifax. The following are the details of the disputed accounts and the required corrections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late, and I insist that Equifax immediately removes the late payment status associated with this account from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account with XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report on XXXX  XXXX and noticed 2 inquirys that I never authorized and had no idea about. 
First inquiry was XXXX XXXX XXXX date : XX/XX/XXXX  2nd unauthorized inquiry XXXX XXXX XXXX Inquiry date : XX/XX/XXXX  I contacted Transunion credit bureau multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in an attempt to get my credit report corrected and those inquiries removed but they didnt offer any good help. 
These inquires are fraudulent, I have never applied for or had business with any of those 2 lenders i listed above.

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 2022-07-21
Company: CAINE & WEINER COMPANY, 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: Account information incorrect

Complaint:
I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX XXXX and XXXX disputing this Account with CAINE WEINER XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus AND CAINE WEINER for reporting false information on my credit report AND defamation of character. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I hope this letter finds you well. I am writing to follow up on my dispute regarding hard inquiries on my credit report, which were conducted without my explicit consent. Following a comprehensive review of my credit file, I uncovered several unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report, as detailed below : 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 2023-03-03
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts #, XXXX dated XXXX dated XXXX dated XX/XX/2018, 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 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 2022-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
its the chase credit card company ( chase bank ) they are asking us to the fradulent charges on my account XXXX last XXXX digits XXXX ), even though we reported fradulent charges and told them that we lost the card, we have called them several times but they are siply ignoring and asking us to pay regardless. 
as the credit card card aggrements, we do not have to pay the fradulent charges if they are not ours, its the law and in all fairness it should not be the case morally also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2021-06-18
Company: Experian Information Solutions 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:
I sent a copy of all outstanding, outdated information along with unauthorized inquiries to Experian, XXXX  and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.

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: 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:
TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/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 2019-07-25
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX year old woman who is nearing retirement. Now I have to extend my employment and work longer because I was a victim of a scam. Sadly as I spoke to attorney, I was so angry as I learned more. I have never made transactions beyond a couple XXXX dollars. And in less than 24 hours I transferred large sums from my Home equity to my checking account. Then I used my Debit card to make XXXX in large purchases ( XXXX and XXXX amounts ) at XXXX. Again I have never made transactions of this size. Not once did my bank think this was suspicious. if they are protecting me, they would have seen this is very much not normal activity and if they understood the market place and the fraud in the industry, they would have had a clear reason to call me and question the transaction. I would have told them I was working with you on a catching fraudsters. but you would have explained you were not and I would have been protected from a scam. but not one call. in fact I called you and no one even thought to question the massive amounts of money moving from my account. now I am here, extending my employment another year to replenish XXXX dollars as I have a bank that never even had time to call me. my attorney said this is basic fraud prevention for highly unusual activity to be flagged and my bank to call me. it gets worse. I called to report my on line banking was compromised as part of this scam. they have my user ID and pass word. I was told by the fraud team they could only help me with my debit card. so someone could transfer money through OLB or ACH money out and they cant turn off my OLB or change my user ID or even tell me how to do it. in fact the agent told me he wasn't sure they have on line banking? I guess I might be lucky that M & T built on line access for just me and didn't tell anyone. so it makes sense if they don't even know they have OLB and cant help me, how would they ever be able to notice unusual transactions that are so egregious. I am a victim of elder abuse. and a victim of a neglectful bank.

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 2019-07-25
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/2019, I mailed a Method of Validation letter to Experian, exercising my rights as under the FCRA. That was the follow up to the initial dispute letter. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. I wrote that I wanted to know WHO they spoke with at these companies who verified these accounts and what documentation was used to claim validity. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence provided that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in  attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of  these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Experian stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX/XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.

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 2024-01-05
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:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 

I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 

Your company 's mistake wrecked my credit and reputation. 

Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 

You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. This infringed my privacy, which is another offense. 


Before adding this to my report, you never offered me a chance to deny it. 

I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 

Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. Certified mail sent my first attempt. This attempt will be sent certified. 

I am invoking specified remedy as the original creditor and demanding the following : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX I will allow you ( 15 ) days to process these deletions, otherwise this will lead to much more damage.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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