BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-10
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NY
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 reaching out to Equifax to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: PA
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
I bring to your attention the apparent compromise of my credit with your organization. It has come to my notice that, despite being accompanied by an FTC fraud report ( # XXXX ), certain items have not been removed as required. Upon reviewing my records, I observed that these inaccuracies, which are not associated with me, persistently and detrimentally impact my credit file. My commitment to thorough research and persistence compels me to address this matter, and I am determined not to be hindered by any unwillingness to comply with the law. In accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ), your legal obligation is to expeditiously remove items identified as resulting from identity theft. The disputed items, namely : -- -- -- -- -- -- -EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I am attaching the newly required FTC Report with reference # XXXX, along with my Driver 's License, Form W-2, and Proof of Billing, serving as verification of my sole address. Kindly proceed with the removal of these items from my credit report promptly.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: PR
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 my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX OF XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
XX/XX/XXXX I have some concerns reguarding late payments appearing on my credit report. XXXX XXXX account no # XXXX and XXXX XXXX XXXX account XXXX These accounts have been verified. What method of verification do they use? 15 U.S. Code 1681i - Procedure in case of disputed accuracy.These late payments are reporting inaccurate. The last payment i made to nissian was in XX/XX/XXXX of {$500.00}. I was never late. They refused to help me keep it in XX/XX/XXXX. I had called them for assisstance, they refused. 15 U.S. Code 1602 - Definitions and rules of construction 15 U.S. Code 6802 ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information. 15 U.S. Code 6803- ( a ) ( b ) ( c ) Disclosure of institution privacy policy. 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681a 2 ( A ) ( i ) .15 usc 1681a4 i have right to privacy. usc 1681 ba2 cant publish without my written instruction. usc 1681b- permissible purpose. usc 1681s-2- a person shall not furnish any information relating to a 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 2023-08-30
Company: EQUIFAX, INC.
State: NY
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 reaching out to Equifax to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data. 

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Code $ XXXX 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-03-22
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This Elan Financial Services CREDIT CARD, TradeLine limit {$1500.00}. XXXX collaboration with this TradeLine is still showing Open with a balance showing {$8.00}, this Closed account is still showing Open by XXXX, Elan Financial Credit Services has confirmed that they dont want to play, they understand my Authority. See I sent them a copy of my ClassAction participation against U. S. Bank v Accountholders. Those boys that Law firm out of Texas are getting ready you take that money from U S Bank, I love it! XXXX take your XXXX XXXX XXXX off that little TradeLine, youre Not Stopping me, Ive got a Plan in place and you, XXXX makes me a Millionaire! Oops side Note I see you XXXX, you got themthere addresses correct didnt you, As for Real Estate section of my Credit Report, XXXX, I make them sing, Ive got the ball in my court, every month that you XXXX Not put that XXXX TradeLine back on my Credit Report, I will continue to make copies of these XXXX XXXX XXXX acts, and guess who will be the Star Witnesses, the Consumer Financial Protection Bureau and the Federal Trade Commissions lawyers, theres Nobody Stopping me, stay tune, Im Good at What I DO!

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 2023-08-04
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-07-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: FL
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 demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 

Personal Information is attached on my FTC Report Telephone Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Data XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED APPLIED BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As well as any Inquiries that have been reported within the last XXXX Please understand I can only list from the file which I received from XXXX, Once I receive an updated copy of my consumer file there may be other inaccuracies that weren't specified in the past report which I will be amending if there should be a need to. 

I demand XXXX to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, You are Required to remove and block these transactions from being reported to my consumer report within 4 days. 

I advised XXXX to make sure they have my expressed written or verbal consent before reporting any personal or private info. 


Police Report Case # XXXX FTC Report Attached Notice of Furnishers w/FCRA Laws Attached

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 2021-09-29
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian, XXXX and XXXX show 14 late payments for my XXXX loans with the Department of Education/ XXXX in XXXX and XXXX of XXXX XXXX have contacted XXXX to verify and correct this information and have been advised that no late payments are being reported. I have also submitted several dispute letters to the credit bureaus, which have been unsuccessful in getting this matter corrected.

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 2023-02-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I received a call from Chase Bank in regards to my Visa Debit carded. The call came from the Chase Customer Service Department and the caller stated that there appeared to be fraudulent activity on my card. The caller asked me if I had recently authorized purchases to be made in Texas because a purchase at a store was being denied. After I replied no, the caller then stated he also saw a payment of {$9000.00} scheduled for a wire transfer. At this point I asked the caller to identify himself, and to provide me with information that I could verify as being legitimate. The caller identified himself as XXXX XXXX, and then provided me with information from my Debit Card including the CVC code. Additionally, he told me to look at the back of my card to see that the Chase Customer Service number was indeed the number from which he was calling. 
He stated that in order to stop the scheduled payment, I needed to process what was called a reverse transaction and the receiving bank would resend the payment. He provided an account number for the wire at XXXX XXXX  ( XXXX ). Long story short, he walked me through this process and provided the following information for the receiving bank : XXXXXXXX XXXX ( I believe it was in XXXX ) and the name of the bank representative, XXXX XXXX. At this point I told the caller to stay on the line while I drove to Chase Bank to verify. He did and when I arrived at the bank, the customer service representative from Chase asked the caller for his ID number. She also verified that it was indeed Chase 's phone number that he was calling from. When she asked him for his Code number, he hung up and by that time the money was wired. The representative immediately sent me to a Manager who filed a recall wire and the claim number for that is XXXX XXXX. After following up and calling several times, I was sent a message through my " secured message Chase account '' that basically stated the receiving bank stated there was no money in that account. I then tried to contact someone from Chase 's " fraud '' department, but the only communication was via relayed messages. I attempted to make contact today XX/XX/2023 and on three different occasions, the Chase employee disconnected the call after I asked if they had filed an Elderly Senior Financial Fraud/ Exploitation report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
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:
XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, Experian and 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