BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This complaint encumbers TransUnion, XXXX, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX  years. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a XXXX XXXX decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX XXXX XXXX. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The FICO scores are designed to keep everyday consumers down. The FICO scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.

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 2018-07-21
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is asking me to pay an account established at XXXX. At first the account stated being established XX/XX/XXXX, then once I spoke to them, it was rereported as XX/XX/XXXX in Florida. I live in XXXX Ga, and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are attempting to re-age this account and purposefully misrepresenting information, either way its being done to harm my name and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
chase stated that they will remove all fraudulent hard inquiries from my credit reports dated XX/XX/2017, XX/XX/2017 and XX/XX/2017. these inquiries are still reflecting on my XXXX  report. Chase sent me a letter in XXXX stating that the inquiries would be removed but have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Dear Discover Bank, I am writing to follow up on my previous letter regarding the inaccuracies in my credit report. As I mentioned in my last communication, according to XXXX, Discover started reporting on my account in XXXX of XXXX, XXXX reports that Discover started reporting on my account in XXXX of XXXX, and XXXX states that Discover started reporting on my account in XXXX. These discrepancies clearly indicate that Discover is not reporting accurately and fairly, as required by the Fair Credit Reporting Act ( FCRA ). 
I have sent multiple disputes to the credit bureaus regarding this issue, but each time, the response I receive is that the information being reported by Discover is accurate. This is simply unfair, as the information being reported is clearly not accurate, and it is negatively impacting my credit score and financial standing. 
Under the FCRA, it is the responsibility of both the credit reporting agencies and the financial institution reporting the information to ensure that the information being reported is accurate and up-to-date. This means that Discover has a legal obligation to ensure that the information being reported is correct, and if there are any errors, they must be corrected in a timely manner. 
I have attached documentation to this letter that demonstrates the inaccuracies in my credit report, including the statement from Discover in XXXX that contradicts the information being reported to the credit bureaus. It is clear from this documentation that Discover has not been reporting accurately and fairly, and this is having a negative impact on my credit score and financial standing. 
Therefore, I am once again requesting that Discover take the necessary steps to correct this error in my credit report immediately. I expect that you will work with the credit bureaus to ensure that the information being reported is accurate and up-to-date, and that you will take all necessary actions to resolve this issue. 
Thank you for your attention to this matter, and I look forward to hearing from you soon. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: LA
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:
PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE Employers : 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 2023-01-04
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I send the company a cashiers check to pay off my car. 
But they keep on harassing me and calling me up to 20 times in one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: OK
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 have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXXXXXX XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXXXXXX XXXX to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea one more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction.

15USC.1681c ( a ) ( 5 ) Section states No Consumer Reporting Agency may take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than 7years.

15USC .1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a to a consumer to any other consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect. or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: FL
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 SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
FILE # XXXX According to my most recent credit report, these companies are currently reporting to the credit bureaus that I applied for credit with their organization. I did not XXXX these companies authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The presence of these inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. I notified Transunion of these discrepancies via phone over 60 days ago, I was told that someone would be getting back to me in regard to this and no one ever did. I called again about XXXX weeks ago and I was supposed to receive a phone call, again no one ever called. Transunion is willfully violating my consumer rights as retribution for previously filing a civil suit and asserting my consumer rights. The following inquires need to be deleted immediately, I did not have any account with these companies and I did not apply for anything with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have informed Transunion many times that XXXX do not have the ability to freeze/unfreeze my credit report to prevent this from happening because of a technical error on their end.

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 2018-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was alerted by Bank of America of suspect charges on my credit card. When I checked my pending charges, three stood out as purchases I didn't make. One for a XXXX XXXX, another at a XXXX, and another at an XXXX XXXX. The charges were of the amount of $ XXXX {$100.00} a piece. Bank of America agreed over the phone that the charges were false, canceled my card, and sent me a new one.

Of the three charges, two never got past the 'pending ' stage but one managed to slip by which was from XXXX , the first fraudulent charge to be made. That one was quickly reverse on my statement, I assumed because they didn't catch it in time This week, starting Monday XX/XX/XXXX, the charge from XXXX totaling {$76.00} was placed back on my credit card statement stating that charge was made with my card. 

I called a few times to gain info about why the charge was put back. I wasn't given any info why other than their research showed that my card was present at the time of transaction. Which is impossible I was at home and sleeping off the XXXX that day. 

The lady on the line stated that my card had to have been used as chip card can not be copied. Which is in contrast to was is stated on their website ( screen shot attached ) That day I was at home and was nowhere near where the charges were being made. Since I was at home I have no way of proving that I wasn't in the area. On my second call, I did obtain the old credit card number in case XXXX could look up the transaction and possibly find security footage that proves it wasn't me. I haven't had time to make it to that part of town due to starting a new job this week.

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 monetary relief
Consumer complaint received 2023-05-24
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: 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 explanation
Consumer complaint received 2021-08-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Choice Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this debt on my credit report and contacted the debt collector. They haven't give me any proof that this debt is mine, nor a legitimate reason why I should pay it. I do not owe this debt and I refuse to pay it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: ACCESS GROUP INC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
This loan was incurred while I was student at the now defunct XXXX XXXX XXXX located at XXXX, CA. As you are aware the school has been closed due to fraudulent action by the said school and lost its accreditation.My diploma that I received is now worthless and could not even be transferred to another school since they are not being honored. My issue that I need to be resolved is why are they still collecting payment of the loan despite the fact that the school has been closed and shut down by the government and the diploma that I received is worthless and of no value. I could not even use it to apply for a job since employer knows that the school is no longer in existence.

Company response to consumer: Closed with explanation