BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NE
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:
There are hard inquiries from XXXX that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX XXXX, XXXX, has violated my rights with an unauthorized inquiry on 11/12/21. 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 2023-08-23
Company: EQUIFAX, INC.
State: CA
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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 number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/22. 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 2018-05-17
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called Chase bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by Chase that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 I made a membership with XXXX, Ibwas told they had a promotion that was ending that day, if I signed up. My membership would be XXXX dollars. Fast forward a two months later. I reached out via phone asking for a cancellation. I had a herniated disc that got worse, so I was not able to step in the location. They told me to send a email to coorperate. Which I did. Never received a response. 2 months later. I received a later saying I had a balance of {$350.00}. Which didnt make sense. Because my membership was {$10.00} a month. Not a lot of time had passed. Fast forward. I reached out once the balance hitbmy credit. I was told XXXX sold their company and there was nothing they can do. 

Atleast take responsibility. Or fix the balance that I owe. They told me my acc was a {$25.00} acc. Which was inaccurate. XXXX created problems for me and left the problems to a Nw company. I m not the first because I read a few reviews on XXXX. Please look into this, the ammount is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX XXXX XXXX   {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$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 non-monetary relief
Consumer complaint received 2023-02-03
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: Investigation took more than 30 days

Complaint:
I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. It has been over 30 days.

And one more thing, they didn't even record the current status of the disputed information.

Transunion, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is not doing its job according to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24
Company: Valentine and Kebartas, Inc.
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: Personal information incorrect

Complaint:
I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day Valentines Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a notice of settlement was received from XXXX XXXX XXXX advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX XXXX in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " AMEX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, Experian dispute results were received and there was an observation that on XX/XX/XXXX " AMERICAN EXPRESS 2 '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " AMEX ''. It should also be noted at time of inquiry neither " AMEX '' or " AMERICAN EXPRESS 2 '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from AMEX that stated " This account has been assigned to AMERICAN EXPRESS ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NE
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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 2022-02-01
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
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:
Company : XXXX XXXX XXXX Amount : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Paypal Holdings, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received e-mail in XXXX from XXXX XXXX XXXX XXXX, a debt collection company. E-mail claimed that I owed PayPal the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any PayPal services in more than two ( 2 ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted PayPal concerning the above, asking PayPal to verify the above statement and, according to PayPal, my account was in perfect order and I did not owe any funds to any person ( s ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my PayPal account and found my PayPal account locked out. I contacted PayPal and they referred me to XXXX XXXX XXXX XXXX XXXX I requested from PayPal as to why my account was locked and PayPal would not give me any information and told me to contact XXXX XXXX XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX told me that, according to PayPal, I removed all funds from my PayPal account before funds could be paid out to certain parties. 

I informed XXXX XXXX XXXX XXXX that something is wrong and I never purchased anything via PayPal. I only used PayPal to sell certain items and never purchased any items and that PayPal will not allow anyone to withdraw funds if money is owed. 

XXXX XXXX XXXX XXXX claimed they would look into the matter. XXXX XXXX XXXX XXXX would not identify any involved parties that I allegedly owed money to. 

Received letter from XXXX XXXX XXXX XXXX, postmarked XXXX XX/XX/XXXX, stating that XXXX XXXX XXXX XXXX had acquired this alleged debt, in the amount of {$1100.00} from PayPal and that now I must pay this alleged debt to XXXX XXXX XXXX XXXX XXXX 

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by XXXX XXXX XXXX XXXX except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since XXXX XXXX XXXX XXXX refused to identify actual parties making these alleged claims of funds owed, I believe one of XXXX ( 2 ) things are happening here : 1. Identify Theft being my PayPal account was hacked and this is a failure of PayPal to protect their account holders or 2. There is a collusion between XXXX XXXX XXXX XXXX and PayPal to make false claims to extort funds from account holders. 

I have reviewed XXXX XXXX XXXX XXXX ratings on the XXXX XXXX XXXX ( XXXX  ) website and there are numerous filings with the XXXX  of complaints against XXXX XXXX XXXX XXXX for fraud, exactly as I have described my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've recently went through a significant reduction in income due to a re-organization at my employer that resulted in me having to accept a position with lower pay. This has put me in a tough position financially and I am unable to make ends meet. 
On XX/XX/2018 I called USAA to ask for help with regards to a financial hardship program. They stated I did not qualify because I was not past due, and to call back when the account was past due. on XX/XX/2018 I called back as the account was now past due but they advised me that I still did not qualify and were unable to tell me why. I am extremely frustrated as I am trying to not let my finances spiral out of control but without a little bit of cooperation from my creditors I will not be able to continue to hold it together and make my basic living expenses. I have cut down drastically on my unnecessary financial expenses and I am still barely getting by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXX Date Opened : XX/XX/2017 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 2016-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed an XXXX charge on my credit report first in XXXX and Equifax agreed and removed it from my account. The charge keeps showing up and I keep having to dispute it. Dispute confirmation numbers XXXX, XXXX, XXXX, and XXXX. Although the first XXXX disputes removed the charge from my account, the last XXXX was not. I do n't understand why Equifax kept allowing the same charge to keep showing up after I disputed and it was removed. Also, I do n't understand why the amount was removed XXXX times and the XXXX time they wo n't remove it.

Company response to consumer: Closed