BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
I applied for a bank of america credit card. They gave me a hard inquiry and then sent me a letter asking for more information to prove my identity and income. I sent the information and upon recieving it they hit me with another hard inquiry. No where on the papers did it say if I sent the information that I would have another hard inquiry. I did not give permission nor did I fill out another application.

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 2019-09-12
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:
I filed a dispute with Experian about a collections item from XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. I provided documents from medicare showing that I was not responsible for these bills. They denied and redused to take this record off my credit report. The US government says I am not responsible so how can they seny this claim being removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. XXXX XXXXXXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX {$9300.00} ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/ 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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Acount # 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 an 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 non-monetary relief
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
HELLO, PLEASE REMOVE ME FROM ALTERNATE FORMAT CREDIT REPORTS OR BRIALE CREDIT REPORTS AND DISPUTES.

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 2023-04-13
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sending a letter of debt validation to LVNV Funding, I received a response letter that did not include any documentation that confirms that I am responsible for the debt for the two accounts. It did not include an original contract, personal identification, signatures, or any other verifiable documents. The response only included a billing statement. Therefore, I want LVNV to IMMEDIATELY stop reporting these accounts to XXXX, XXXX, and XXXX. In addition to removing all previous incorrect reports/information from previous months. 

Account XXXX and Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a paypal mastercard ( card ending XXXX ) with synchrony bank, on XX/XX/2021 I tried calling synchrony bank on phone number XXXX to speak to a supervisor in regards to a problem that I have been having for months. I have tried calling synchrony bank multiple times in the past for clarity on this problem and possibly to have the problem resolved. My problem is that I only have one bank account associated with my account with synchrony that I do not use and can not make payments with. Everytime I clicked the button 'Add bank ' to add a new bank account on their website ( https : //www.syf.com ) for my account to make payments with, it redirects me to a webpage that says " there is a problem with the information you provided. please go back and try again. ". I received the same error message when I tried on the XXXX browser ( for pc ), XXXX  ( for pc ), XXXX ( for android ) and the app. I called synchrony bank and asked for a supervisor and was told to wait on hold multiple times for an unreasonable amount of time before either I chose to hang up, I was disconnected or ( eventually ) told that no supervisor was available to speak to and to try calling back another day. I ended up calling synchrony bank 8 times on XX/XX/2021 trying to reach a supervisor and was unable to do so. I personally felt like the staff was disrespectful and was deliberately not allowing me to speak to a supervisor.

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 2023-04-13
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account no. # XXXX Account name : XXXX XXXX XXXX Account no. # : XXXX Account name : XXXX & XXXX Account no. # : XXXX Account name : XXXX Account no. # : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received the following message from debt collector for an address I never lived at or owned : Important message about your XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

We previously sent you a notice of your validation rights under the Fair Debt Collection Practices Act. You may still have time to exercise those rights. 


Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} If you do not dispute the debt, please send your payment to the address below or go to XXXX XXXX your NRA ID # is XXXX National Recovery AgencyXXXX XXXX XXXXXXXX Email XXXX A XXXX XXXX XXXX XXXX  To stop receiving text messages reply STOP

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 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Because of the ID theft and being a victim from the XXXX fallout it is literally impossible to upload supporting documents in a fraud case unless I pay all three credit bureaus {$20.00} a month I spend almost every day dealing with different errors and at the end they cant identify me. This makes the dispute process extremely difficult and that should not be that way for everyone. I would like all three bureaus to process my CPFB report and FTC report regarding the disappearing money from my account and the indirect nagtive reporting because if it and its non working app till the matter is resolved. 

According to them zero party nets have been made and XXXX dollars to saving when three have been made and should apply as they showed just weeks ago

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to formally notify you of the unauthorized XXXX inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY! 
According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section.

Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized XXXX inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.

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 2023-03-17
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:
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 reportsno consent is fraud. Please remove this fraudulent accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2019-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2018, there were two unauthorized transactions made with my ATM. The first one around XXXX XXXX., in the amount of {$170.00}. The second transaction was done at around XXXX XXXX. in the amount of {$60.00} and an additional charge of {$2.00} for using a non-Chase Bank ATM. When both of these transactions were made I was asleep at home, ( XXXX, CA ). These transaction were made in the XXXX XXXX  XXXX XXXX, CA and XXXX XXXX, CA which is about 90 miles away from my home in XXXX, CA. 

On XX/XX/2018, I checked my account on my cell phone and noticed there was money missing on my account. I immediately contacted Chase and brought the situation to their attention. The representative issue a reimbursement/credit of {$170.00} and {$60.00} to my account. The {$2.00} for using a non-Chase ATM was not reimbursed. I was under the impression that everything was taken care of and I had nothing to worry about. The bank canceled my ATM card due to suspicious account activity and sent me a new ATM card without me requesting a new ATM card. 

However, on XX/XX/2018, Chase Bank canceled the reimbursement/credit of {$170.00} and {$60.00} made by to my account. I then contacted Chase and I was told that there was nothing the bank can do about this situation, because the withdrawals were made using my PIN number. I contacted Chase bank a third time and spoke with a " supervisor '' and was told the same thing, that they can not reimburse/credit my account. I asked the " supervisor '' if it there was a possibility of obtaining video footage when these transactions were made. I was told that they could not do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have information on my credit report that doesnt belong to me i would like the accounts removed from credit. I have a FTC REPORT I FILLED. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion NXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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