BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NM
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:
The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXXXXXX : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: MI
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:
Under federal law, they have XXXX ( XXXX ) days to complete there investigation. Please note that I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days after the investigation is finished.

I have disputed this matter on multiple occasions, and in each instance, they have failed to conduct a thorough investigation. There actions are in violation of the laws outlined in Section 611 ( a ) ( 1 ) ( A ), as you have neglected to provide the required method of verification as stated in Section 611 ( a ) ( 7 ). Furthermore, theyvare also in violation of Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by not promptly removing all unverified reporting. 

I assume you are familiar with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). To remind you of what constitutes legal validation, please find below a list of the necessary documentation : * Complete payment history, as established by XXXX v XXXX, XXXX XXXX XXXX, 2001 XXXX. App. LEXIS XXXX. 
* XXXX by line item, including an explanation for each item such as the purchase date, item cost, receipt of goods, and dates of receipt. 
* Date of Last Activity. 
* My full, complete, and correct social security number for identification purposes. 
* Agreement bearing the alleged debtor 's signature, wherein they agreed to pay the original creditor. 
* The obligation between me and the creditor that authorizes them to collect the alleged debt, along with any relevant transactions binding me to an agreement to pay their company. 
* Proof of photo identification ( e.g., driver 's license, state card, or other government-issued ID ) presented at the time of purchase. 
Furthermore, They have also violated numerous laws of the FCRA and FDCPA, including but not limited to : * 15 U.S. CODE 1692 ( B ) ( 4 ) * 15 U.S. CODE 1692 ( G ) * 15 U.S. CODE 1692 ( D ) * 15 U.S. CODE 1692 ( F ) They have also violated 15 U.S. Code 1681, which pertains to civil liability for willful noncompliance, and 15 U.S. Code 16810, which addresses civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: AL
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:
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.

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 2023-07-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX closed my account claiming there was fraud on the account and there was no fraud. This was 3 months ago and I have not received my money that was in the account at the time of closure. They keep saying it will be mailed and it is never mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-03-22
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX, TransUnion, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible thats the reason however based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. 

NONE of the inquiries EXCEPT the ones I have direct accounts should be on my consumer report AT ALL! Please fix I will charge for each one that is reporting fraudulently!

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2022-03-22
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: Account information incorrect

Complaint:
I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. 

Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. 

And one inaccurate name. Accounts that are inaccurate are XXXX, XXXX, XXXX. Employment that is inaccurate is XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-07-23
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:
I have contacted XXXX credit reporting agency in regards to this matter to dispute the claims of past due balance reporting false and negative info on my consumer report. The information keeps reporting after several attempts to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fifth Third Bank initiated an inquiry on my credit report without obtaining my consent when I explored the possibility of opening a bank account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Just seeing if I qualify giving me my money back.

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 2020-04-29
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:
I have contacted Experian and explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$200.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX  does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! The address information used to get these accounts I have never lived at which are XXXX XXXX, XXXX XXXX, and XXXX XXXX in XXXX, IL. The only address that I have lived at my entire life is XXXX XXXX XXXX XXXX, IL XXXX. Please remove this information because I have not applied for these accounts and I have not received anything from these companies.

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 2022-03-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I submitted a dispute to TransUnion requesting proof of the public record. The dispute was closed and I received no documentation or communication from them. 

On XX/XX/XXXX I called TransUnion and spoke to XXXX and asked for method of verification they used to determine bankruptcy as accurate and a copy of the information. She said my account just showed verified as accurate with no additional information. I requested the item be removed because FRCA says Im entitled to a method of verification and if they can not provide one, they have to remove the item. I was placed on hold and then told she could not give me any more information. I asked to speak to a manager and was transferred to XXXX and again, asked for the method of verification and she stated it was validated by a transunion professional vendor but would not provide detail. She said I needed to call the Bankruptcy Court and gave me their phone number. 

I believe TransUnion has violated my rights under the Fair credit Reporting Act because I have requested documented proof of how they verified this record on my credit report and they have failed to do so twice via two different methods of communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: A-L FINANCIAL CORP
State: CA
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 creditor claims they have verified these late payments on my XXXX account, when I have never been late! I have reached out numerous times telling them to stop freaking reportin these late payments on a consumer transaction! I know my rights as a consumer, involved in a consumer transaction that included a finance charge. Under 15 usc 1605 a finance charge is the sum of all charges for a transaction, so how in the XXXX do I have late payments when the finance charge included a sum of ALL charges for a consumer transaction? Congress defines a credit card under 15 usc 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purposed of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. In this consumer transaction the credit card that was used was my Social security and this is the credit card that I have been freaking using to enter any consumer transaction. Since credit was extended by me as the freaking original creditor this transaction should not have been reported as late, pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. As I stated BEOFRE, my credit card in this consumer transaction was my Social security card. Therefore this XXXX creditor is violating my rights as Federally Protected consumer, and I want this taken off my XXXX report immediately and updated to paid as agreed! These alleged late payments are bringing down my reputation, with misleading information on my XXXX consumer report and is a violation pursuant to 15 usc 1692e ( 7 ), as they claim I made alleged late payments which has damaged my reputation and caused me unnecessary stress as result of their actions!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2022-03-22
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Monday, the XX/XX/XXXX at XXXX XXXX two separate charges, each {$100.00}, totaling {$200.00} appeared on my bank statement from XXXX ( a digital wallet company, ) The description listed along with the charges is as follows : XXXX XXXX NY. I have never heard of XXXX. The charges are not mine. XXXX clearly states on their website they are unwilling to assist any one that is not in possession of a XXXX account, and are unable to reimburse any lost money due to fraudulent charges made by their users. I made a phone call to PayPal 's customer service number and was not provided any helpful information or hope of a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief