BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: Summit Financial Corp.
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:
Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted this bureau regarding ALL the unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and their customer service would not help and take care of the negative inquiries reporting to your credit report. This inaccurate information they are reporting is hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately.XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX 2 Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry :XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  Inquiry : 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 explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from XXXX to XXXX and Capital One Bank. In XX/XX/2021 after an assault and battery that occurred on me, when I was hospitalized with severe injuries to my right shoulder neck and back. 
Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my capital one account my XXXX account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I don't think I worked for XXXX years. I lost everything it's in the hands of Congress because I'm trying to change my Social Security number. It's that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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: 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 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.

I Do not recognize these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: IL
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:
CFPB Experian has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( EXPERIAN ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( EXPERIAN ) ( EXPERIAN ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( XXXX ) INQUIRIES ONLY XXXX  not fraud over XXXX yrs DELETE XXXX XXXX XXXX please delete old addresses that not on my government ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
Company: Maximus Education, LLC dba Aidvantage
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:
I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said XXXX We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then XXXX XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Wells Fargo throughout all of this never once wared me against submitting sending the funds, even though they had the resources to view and see that the account i was sending funds to was clearly red flagged.

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 2023-05-17
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:
Please remove the accounts XXXX XXXX XXXX XXXX-XXXX  from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my Experian and XXXX credit report. XXXX has removed this account. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.

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 2023-04-06
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:
back in 2021 i reached out to all 3 credit bureaus in regards to reporting fraud accounts that were on my credit file.

PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again.

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 2021-12-07
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:
Ive contactacted transunion several times on this fraudulent account thats reporting I was told it would be removed within 48 hours it still reporting Ive also sent transunion a copy of my identity theft report showing that the account listed below is a fraudulent account and was opened fraudulently without my consent and fraudulent chargers were made. 

XXXXXXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/2015

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 2023-10-06
Company: Global Processing Services, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Multiple phone calls from XXXX and texts. When I called the number I was not allowed to finish my sentences. I was interrupted and told if I did not pay right now I would be sued. I requested written debt information regarding this debt and settlement information and how to pay if its legitimate but I was interrupted and told NO YOU MUST PAY NOW OR NOTHING WRITTEN WILL BE SENT TO YOU. I requested written notification and stop calling me but the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: IN
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:
To Whom it may concern, I was told that the charge off on my credit file was accurate by all three credit bureaus. I asked them to please make sure everything pertaining to my credit report is correct. Iam disputing inaccuracies on all three credit reports. 
XXXX XXXX Account-XXXX, date openedXXXX, amount {$720.00}. Paid closed. 
XXXX-Account-XXXX, date opened-XXXX, amount {$5000.00}. 
XXXX-Account-XXXX, date openedXXXX, amount {$780.00}. 
XXXX XXXXXXXX XXXX-Account-XXXX date opened-XXXX, amount {$550.00}. 
XXXX XXXXXXXX XXXXAccount-XXXX date opened-6/10/2022, amount {$1000.00}. 
XXXX XXXX-AccountXXXX  date opened-XXXX, amount {$300.00}. 
Please provide me these items I previously requested according to the FCRA laws. 
These Items are : Account information, amounts, full validation of each account, the original contract with my signed signature for each accounts, a payoff disclosure, interest rate disclosure, balance history and credit insurance by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I tried to deposit {$4000.00} cash in atm at chase bank XXXX XXXX  in XXXX, MI. The atm gave error said I entered to many item, spit out {$1900.00}. I assumed it counted the {$2100.00} because no receipt came out. My atm card was still in atm never took out. I counted out bills of XXXX {$20.00} 's and made deposit of remaining deposit, still no receipt. I opened app for chase on my phone and it only deposited {$1900.00}. I immediately call the number on atm, walked around Vehicle to see if any thing was on ground. Rep assured me money was still in machine they would find if I put it in machine. I received a deposit of {$2100.00} on XX/XX/XXXX from chase. On XX/XX/XXXX chase took {$2100.00} out of account stating they didn't find any money at all. Leavin account negative XXXX. A deposit of my social security and stimulus came in still leaving account negative. I asked for them to look again and look at the camara cuz I stacked it all at window and my card never left machine so I know it is a visual of what happened. I was the told to contact police and get a lawyer to get a supeona to have chase look at camara. I can't afford a lawyer on on XXXX XXXX. Im stressed and lost. I did obtain a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent a copy of my drivers license and bill with my dispute letters. They were received on XX/XX/2022 at both XXXX and Transunion. No action was taken. I am sending a copy of the dispute letters and the USPS tracking confirmations, that the letters was received.

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 2021-12-31
Company: EQUIFAX, INC.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
Found that several of the accounts on my XXXX, Equifax and XXXX accounts were put on there without my consent. According to 15usc 1681b ( a ) 2 In accordance with the written instructions of the consumer to whom it relates and 15usc1681 ( a ) i report containing information solely as to transactions or experiences between the consumer and the person making the report. Affidavits have been sent to each reporting agency. Accounts that are in question are : account XXXX XXXX XXXX XXXX XXXX XXXX, CXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation