BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
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:
n accordance with the Fair Credit Reporting act 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

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 2021-06-04
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: Information belongs to someone else

Complaint:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

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 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: NY
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:
On/aboout XX/XX/XXXX, I requested a balance increase on one of my credit cards with XXXX XXXX. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/XXXX, I received a reply denying my credit limit increase based on information Equifax provided to XXXX XXXX ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to Equifax 's website and requested a copy of my credit report which does not reflect the information they provided to XXXX XXXX ( see attached ). I then paid for a copy of my credit score with Equifax, which Equifax should! refund me, and my score is XXXX ( see attached ). Thus, Equifax has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had Equifax not provided inaccurate and derogatory information. I am including XXXX XXXX on this complaint so that XXXX XXXX is aware that Equifax is providing inaccurate and incorrect derogatory information about consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-01-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a garnishment sent to me last year. I went to my bank Chase. I wired {$4700.00} to the creditor on XX/XX/XXXX. The Attonery and the court sent me the dismissal of garnishment paperwork and I received it by mail on XX/XX/XXXX. On XX/XX/XXXX Chase put a hold for the garnishment on my checking and savings account leaving me without access to any funds. On XX/XX/XXXX I went to my local branch and they faxed the Dismissal of garnishment and the letter from the attorney stating debt was paid in full. It is now XX/XX/XXXX and I still dont have access to any money. When I call they told me I would have my money in 24 to 48 hours. Its been a week and I still have a hold and negative account balance. My credit card payment was also returned for insufficient funds. I understand that accidents happen. I have given Chase a full week and now I dont have any money anywhere. I cant buy gas or food for my newborn. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020, I was selling an item on the app XXXX XXXX  which a potential buyer wanted to purchase the item for {$350.00} and have it shipped overnight via XXXX. The buyer wanted to send me the funds through Cashapp. In order to obtain the funds I was told by support at Cashapp that I had to extend my " business credit limit '' in which I was to send {$300.00} to a " customer service Tag. '' After sending that money, I was later being told that there was a problem with the buyers account in which they ( cashapp support ) requested I can send a refund payment of an additional {$500.00} via Cashapp after which they shall then credit my account with the total payments of {$1100.00}. Also telling me that I can send the refund via cashapp or a Visa Gift Card from any outlet and sending details of a scanned receipt for verification so they can credit my account of the pending {$1100.00}. At that moment I knew I was trying to be scammed of more money, which I didn't have in the first place. I had tried to reach out to Cashapp by calling their phone number posted on the internet, and also had sent a message to their XXXX page and got no answer or results back from them. I tried to request a refund from the customer service Tag, but the person has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: The Bureaus, Inc.
State: TX
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:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of Bureaus Investment Group.

This Bureaus Investment Group continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files.

As previously stated, Bureaus Investment Group never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful.

So now Bureaus Investment Group is resorting to passing off these collection accounts to other collection agencies, such as a XXXX XXXX XXXX XXXX XXXX XXXX, etc. 

Bureaus Investment Group claims to have acquired the accounts from XXXX XXXX, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against XXXX XXXX, and I have also disputed these wrongful collections, against Bureaus Investment Group.

And although Bureaus Investment Group knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them.

Between both, Bureaus Investment Group, and XXXX XXXX, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both Bureaus Investment Group, and XXXX XXXX  are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with XXXX XXXX, which is a lie. 

I have had nothing to do with XXXX XXXX  going on almost two years. All of the status information that both XXXX XXXX, and Bureaus Investment Group are placing onto my credit files is unlawful, as well as untruthful.

I want all communication from Bureaus Investment Group to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

I want Bureaus Investment Group and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, King of XXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX  days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX EXPERIAN is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give EXPERIAN written instructions to furnish this account on my consumer report. 

And further, EXPERIAN is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
You have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EXPERIAN did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option.

And further, EXPERIAN is not obeying Title V of the Gramm-Leach-Bliley 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 explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
YOU HAVE VIOLATED THE RULES OF THE LAW Pursuant to 15usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair and accurate. After looking through my consumer report I noticed that my report is inaccurate, and this inaccurate information is unfair for me because I was never notified of inaccurate information being furnished and I was never notified during this corporations initial investigation whether this information was true or not.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave mistake has undermined my confidence in your companies line of action, and because of this I will not be extending credit any longer and if this information is not removed, I no longer want my information reported in your companies records.

Pursuant to 15 usc 1681 ( a ) ( 2 ) Your corporation is a powerless elaborate mechanism. This mistake your company has caused has destroyed my reputation and this has adversely affected my credit worthiness.

Pursuant to 15 usc 1681 ( a ) ( 3 ) - Your company has assumed this role. You were never given permission by me the consumer, so not only did you fail in the initial investigation for this information. You also assumed this role and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15usc 1681 ( a ) ( 4 ) You did not make sure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You were bias to one side of the story and never consulted with me to find out if this transaction actually took place. As a result of this my privacy has been breached and this is a violation of my right to privacy.

Pursuant to 15usc 1681i ( a ) This consumer reporting agency has been verifying most of my disputes with no proper investigation. What is the method of verification? The XXXXXXXX XXXX XXXX XXXXXXXX account on my consumer report is inaccurate because there is no witness to partake who was there during the transaction. In pursuant to 15usc 1681 ( e ) To have a proper investigative consumer report there has to be an individual who is being interviewed witnessing the transaction. I also need to know if this information being verified is factual information. I need all of the details knowing that I am involved in these investigations. If there is no individual that was interviewed, and the verification is inaccurate then this is fraud and this account must be removed from my consumer report.

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 2021-06-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
as I have previously notified equifax, that i am a victim of identity theft, there are things showing on my credit report that should not be there

Company response to consumer: Closed with explanation