BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
53 Bank and their agency XXXX, XXXX allegedly violated the EFTA and 15 U.S.C. 1693 because they have not responded to my complaint timely and did n't inform me initially of what the process was. The tech, XXXX, was laconic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NJ
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  account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.A 1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.A 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 EXPERIAN Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these Items to be authenticated ( A ). I will take legal action against you if you do not validate these Items. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2022-11-02
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. 
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

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 2021-10-24
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought an automotive part online. Paid with Paypal. Two weeks later I received nothing. 

I called paypal. They refused their last name. They claimed her first name XXXX employee # XXXX and XXXX employee # XXXX. They did nothing to help me. The refused to look at the tracking. Package was shipped to a different address than my order. No refund. No help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-03-21
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2022-11-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2018-11-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2022, I mailed a letter to Experian stating that they needed to block or delete fraudulent accounts from my credit file as per the law FCRA 605 ( B ). FCRA 605 ( B ) the states that credit bureaus must lock or delete said fraudulent accounts within four business days of receipt of a police report naming these accounts. 

Included on my letter mailed on XX/XX/XXXX, was a letter clearly stating identity theft, my information, specific names and account numbers as well as balances of fraudulent accounts. I also included a copy of my passport and Social Security card with Social Security number. In addition, I included my official XXXX XXXX police report from XX/XX/2022 ( incident # XXXX ) which clearly states the name of fraudulent accounts and balance, as well as all my details and all police details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still fraudulently reporting on my credit reports. These items need to be deleted immediately, or I will pursue immediate legal action as I have evidence of this illegal violation. I also have a police report and other legal documents backing up my claim. 

This is illegal in a violation of the FCRA. FCRA 605 ( B ) clearly states : FCRA 605B ( 15 U.S.C. 1681c-2 ) : ( 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.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under ( Link : XXXX : XXXX ) I have done exactly as I was told and this is now a documented violation of the FCRA. Please block or delete this accounts from my credit report ( s ) immediately in compliance with the law.

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 2018-11-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Hello, I called Chase customer care on XX/XX/2018 to confirm that if I made a purchase on a website and transferred money through the XXXX  service ( Chase calls it Quick Pay ) they provide ( as the website was asking me for a payment through XXXX ). I was told by Chase customer care that I would be protected and if the transaction was fraudulent then I would be able to recover my money back.

Now after I made the purchase and was transferred the money to the seller through Chase Quick Pay ( XXXX ), I never heard back from the seller and neither did I receive the product I ordered.

I called and informed Chase and they opened a claim but now Chase is denying to help me and they say they cant help recover my money back. 
I would not have made this purchase if I was told that I was not going to be protected and may loose my money. I feel Chase should Credit the money into my account as it was a chase employee who gave me incorrect information and i should not loose money due to being misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: OneMain Finance Corporation
State: SC
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:
Onemain called me and ask if i wanted to continue with application for a loan. few minutes earlier i received alerts from my credit monitoring service telling me Onemain financial in XXXX, SC pulled my credit without my authorization. i called the number back and spoke with a lady name XXXX. i told her i didn't apply for any loan with your company online or in person numerous times. XXXX told me to contact the credit bureaus to dispute the fraudulent inquiry, i told her that i was going to get a police report and send it to the credit bureaus for fraud...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: N.A.R., Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I forgot to update a reoccurring payment with XXXX XXXXXXXX Credit Card. I was unable to access the account for several months because of their office hours. In XXXX I again attempted to settle the debt that was sent to collections. It was sent to to North American Recovery for collection. I worked with their representative to pay the debt over the phone. They collected my payment information but apparently never processed the payment. In the meantime I thought the debt was paid in full. 4 months later upon trying to apply for credit the debt showed it was still in default. I contacted the original creditor XXXX XXXX  who said the collection was with still with NAR. I contacted NAR, whom told me the account was with XXXX XXXX XXXX their Attorney. The Attorneys told me the account was sent back to NAR. For 10 days I was unable to pay the debt because no one could tell me whom to pay. Eventually, NAR accepted my payment but refused to send me a paid a in full letter. XXXX XXXX has still refused to send me a paid in full letter 14 days after payment. There has been no communication to help settle this matter which is affecting my financial situation. 

It should not take a consumer 5 months to settle a debt they claim and want to pay off. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
I recently sent a letter to XXXX to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : *Pay off Disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Police XXXX / Account # XXXX XXXX. XXXX XXXX Bank XXXX XXXX Account XXXX XXXX ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation