BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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 2023-09-07
Company: EQUIFAX, INC.
State: NC
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
My name is XXXX 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 2022-12-14
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: EQUIFAX, INC.
State: TN
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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX Inquiries : XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon transfer of my account my payment was {$470.00}, within 2months increased to {$750.00}, two months later to {$1000.00}. Was told that prior company was not charging enough and they added insurance. Found separate insurance and was instructed by them to forward them the invoice and they would pay out of escrow. Never did, therefore insurance cancelled. Tried getting explanation numerous times and tried making payments, they would not accept. Mailed them a cashiers check for amount close to what I owed, since I could never get a straight answer regarding amount, and they returned stating an absorbenant amount. Have send numerous emails and left messages for return phone call to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my Trans Union, XXXX  and XXXX  credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX Card Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent accounts.

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 2023-03-15
Company: Affiliate Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in XXXX from XXXX XXXX XXXX stating that they were attempting to collect {$1900.00} in debt owed to XXXX XXXX XXXX. I immediately filled in their form asking them for more information and letting them know that I was disputing the debt as not mine. On XX/XX/XXXX I received another letter from them with more information ( the address of the person who owed the debt ). That same day, I received an alert from XXXX that a disparaging debt note had been recorded on my credit report by XXXX XXXX XXXX. 

Had they taken any simple steps to ascertain if this was me ( it is a common name ), they would have found that 1 ) I have never lived anywhere in California much less in XXXX XXXX, XXXX ) that I have lived at my current address for 25.5 years, and 3 ) that there are at least six people named XXXX XXXX who do live in XXXX XXXX according to XXXX. 

Their action of reporting this to the credit agencies without cause has been harmful to my reputation and credit standing and is an unreasonable abuse of their ability to do report what they please. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and Equifax ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion did not interview the originating company XXXX XXXX XXXX in XXXX, GA. The company was never contacted after I disputed the information. It is listed as a XXXX bill when this was a buy here pay here company. XXXX was able to verify this as not being a debt and removed it. XXXX XXXX didnt sell the car at auction and leased the car to another buyer. 
Trans Union also reduced my score by 115 points on my credit report within 30 days of having a XXXX score. Nothing was changed on my credit report. 
If you cant help me I will have to hire an attorney. Ive had false accounts removed from my report and it seems like that has occurred they are trying to punish me.

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 2022-12-14
Company: Block, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A friend sent me XXXX XXXX  to Cash App on XX/XX/XXXX. I never got a notification for it and did not check my Cash App until I was told they sent me money on XX/XX/XXXX. My balance still said XXXX XXXX although I saw they sent the money, but right above the exact amount they sent was spent at a XXXX XXXX XXXX XXXX the day after they sent the money on XX/XX/XXXX. The last place I used my Cash App card was at a XXXX gas station in XXXX, XXXX I disputed the amount with Cash App and was denied 5 days later on XX/XX/XXXX. I disputed it again the same day which took over 3 months for them to deny. I disputed it again on XX/XX/XXXX, just for them to deny me again today, XX/XX/XXXX. I even have XXXX XXXX with the same issue saying that their Cash App cards have been swiped for the exact amounts on their balance and sent them proof that its not just me, its an ongoing thing, yet they still deny. I'm even XXXX friends with a police offer who says they have been getting more complaints about money being stolen from Cash Apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, 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:
Someone used my information for their personal gain. 
In accordance with FCRA section 611 this company violated my consumer rights! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-19
Company: DISCOVER BANK
State: GA
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 am disputing the following account with Discover Financial {$1000.00} and XXXX/XXXX {$380.00} as fraud. I did not authorize these companies to open any account in my name. I am a victim of identity theft. I am requesting these accounts that is reporting a balances to be removed from my credit report due to fraud. I am also disputing the following inquiries Discover Financial and XXXX/XXXX be removed as well for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
I use my Amazon VISA issued by Chase bank EVERYDAY! It's statistically possible that I need to dispute transactions. Last month XXXX XXXX wrongfully charged me {$16.00}. I initially attempted to resolve it via dispute and an evil Chase phone representative has not put a BLOCK on my credit card preventing me from placing disputes online!!! Fortunately XXXX XXXX ended up doing the research and credit my account {$16.00} THREE TIMES! 

However because of the evil Chase rep, I can no longer place disputes online. Therefore I have started to use my OTHER XXXX XXXXXXXX  card. IF CHASE BANK DOES NOT RELEASE THE ABILITY FOR ME TO DISPUTE ONLINE I'M SUING THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: IA
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 XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 2019-12-27
Company: Oklahoma Student Loan Authority
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
The IRS issued a check in my name for my tax refund ( almost {$3000.00} ) dated XX/XX/2023. I never received the check in the mail, so I followed up with the IRS. The Bureau of the Fiscal Service ( BFS ) got involved and determined that the check had, in fact, been cashed. On XX/XX/XXXX, the BFS provided me with a copy of said check, which showed that someone had forged my signature to endorse the check and cashed it at a JP Morgan Chase Bank location on XX/XX/2023. There is another signature underneath " mine '', which I suspect belongs to the person who forged it. I've never had an account with Chase, nor do I know someone with that name. 

In order to file a comprehensive Claim Form ( FS 1133 ) with the BFS including as much information as possible, I immediately got in touch with Chase to figure out at which branch the check had been cashed and how a stranger could have been able to cash it. While the Chase representatives told me the branch location where the check was cashed ( XXXX XXXX XXXX, XXXX, NJ XXXX ), they did not provide me with any information on how the check could have been cashed. They instead told me to get in touch with my bank ( which has nothing to do with this matter ). I did call my bank anyway and talked to a fraud specialist. He suspects that Chase never asked for a proper form of identification to begin with. 

I would like to know : Did the person who cashed my check ( and probably deposited the funds into their personal Chase bank account ) show any form of ID? If so, might I have to take steps to protect myself from identity theft/further damages? And if not, why was that person not asked for ID?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX or XX/XX/2022, a check made out to " XXXX, XXXX XXXX XXXX '' in the amount of {$6800.00} from our CHASE checking account was stolen in the mail. On XX/XX/2022, it was fraudulently endorsed and deposited through mobile app into a XXXX XXXX account. In hearing from the University that they did not receive our check, I discovered in my electronic records that the check had been cashed and funds removed from my account for the full amount. The endorsement at the back of the check was a squiggly line. In contacting CHASE on XX/XX/XXXX, we began the investigation and submitted all paperwork including a completed affidavit/declaration. We met with our local CHASE representatives and followed up. In XXXX, we heard from a representative of XXXX XXXX that our funds were suspense as CHASE had not completed all of the needed paperwork. We were told that the only appropriate process was for our bank to work with XXXX XXXX bank to rectify the situation. We were also told that XXXX XXXX was months behind with their paperwork and to expect a wait of XXXX days, later changed to 120 days. I have spoken to five to ten representatives at both banks at ever level to ask for their assistance in moving this forward. I asked for provisional credit from CHASE on numerous occasions and have been denied. I have been given no clear timelines on when to expect this to be resolved. On XX/XX/XXXX, I met with my local CHASE rep who called her colleagues who specialize in this work, and was told that we should expect the funds in 3-5 business days. I left the bank feeling that we had resolved the issue finally. It was not. No apologies or willingness to take responsibility once again. I sent a registered letter of complaint to XXXX XXXX XXXX, XXXX of CHASE ( confirmed receipt on XX/XX/XXXX ) and continue to await resolution from his team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name.

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report.

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request.

Please let me know if you need any additional information or documentation from me.

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation