BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, XXXX, and Equifax have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: SYNCHRONY FINANCIAL
State: LA
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2020-12-04
Company: Security Credit Services, LLC
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint againstXX/XX/XXXX XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. Credit Acceptance reporting late payments with trans union and XXXX  on my report. with the months of this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked bureaus to do a thorough investigation of my credit files due to improper inaccuracies on my credit report. The credit bureaus responded back to me that they found no improper inaccuracies in my credit files. However, even after their investigation was completed I still found the same improper inaccuracies in my credit files. 

The account name is XXXX XXXX The account number is Account # XXXX And XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U. S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction, or consent

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 2022-12-03
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on Equifax. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX XXXXXXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Chase bank account was hacks, and money was transfer to another account without my authorization. The first time was XXXX , and then XXXX . Total of XXXX . I called Chase but they refused to help, and said there is nothing they can do. I also look up where the money was going and called them to ask for the refunds, the money going to XXXX XXXX, some Indians people with heavily XXXX accents trying to speak English, and keep asking for more money for them to refund the money back. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX, I was accepted at XXXX XXXX XXXX XXXX XXXX. I was offered the Federally Insurance Student Loan from XXXX XXXX Bank ( my grandparent 's bank ). XX/XX/XXXX, the bank disbursed to XXXX XXXX XXXX XXXX XXXX {$1500.00} for my tuition and fees which was to cover the year XXXX. The bank disbursed again in XX/XX/XXXX, to the XXXX XXXX XXXX XXXX XXXX {$1500.00} for the XXXX school year. No other student loan moneys were disbursed. I left the university XX/XX/XXXX. Then after 11 years, I was accepted to a graduate institution : The XXXX XXXX XXXX, in XXXXXXXX XXXX XX/XX/XXXX. The XXXX XXXX XXXX XXXX disbursed {$5000.00} for my first year of graduate studies XXXX. Then again, the XXXX XXXX XXXX XXXX disbursed {$2800.00} for the XXXX. Then again the XXXX disbursed {$5000.00} to cover my tuition and fees for the third and final year of graduate studies XXXX. XXXX provides grants and scholarships, but the moneys are billed to me under XXXX ( XXXX XXXX ). 
XXXX XXXX XXXX XXXX, and now MOHELA XXXX XXXX Servicer are the most recent servicers overseeing the 37 years to up to 53 years student loan misrepresentations which started back in XXXX. The servicers down through the years have misrepresented their forgiveness and repayment options. I taught Adult Education in XXXX which should have made me eligible for Public Service Loan Forgiveness ( PSLF ). I served in the United States XXXX XXXX and recommended to the XXXX XXXX XXXX This should have made my eligibility for Public Service Loan Forgiveness ( XXXX ) available. And see the attached PSFL application I am a Knight of XXXX former employee Field Agent and this too, makes my eligibility for Public Service Loan Forgiveness ( PSLF ) available. To say I must pay back {$100000.00} by the year XXXX when I only borrowed about {$15000.00} - {$18000.00}. This is engaging in deceptive acts and practices and it has harmed me the student loan borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an XXXX  Data Breach. I demand to Delete those accounts or I will file litigation.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of identity theft and Im unaware and had no knowledge of these accounts on my credit report According to these laws 15 U.S. Code $ 1681c-2 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 non-monetary relief
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I called transunion regarding a bankruptcy on my report and i was speaking to an overseas rep, XXXX , XXXX, regarding this issue. i explained to her that if info on my report cant be verified it needs to be deleted. i stated a bankruptcy is public record and ca n't legally be verified. i stated the NJ courts stated they do not report or verify information and the information is public record on public access to court electronic records ( XXXX ) and i contacted XXXX by email and they responded XXXX  does not verify federal case information and all information gathered from XXXX is public record and may be reproduced without permission, XXXX customers assume all responsibility and consequences. XXXX XXXX then stated the information was given by the court. i asked her is she telling the NJ court released my information and she stated yes. i asked to speak to a supervisor and was disconnected. i called back and spoke to an overseas rep, XXXX. XXXX, i explained the same above information and he stated that there are vendors that receive this information and go and verify the information and i asked how do they verify the information. he could n't answer. he stated the fcra states the bankruptcy will remain on my report for 10 yrs. i asked can he tell where that is located, im on that site. he said i do n't know where it is located, i should look it up. connected to a US rep that put me on hold and came back on the phone, phone was messing up. she was talking about me to another rep and when she realized she put me on hold than disconnected. 4th was a US rep that explained the process of verification consisted of someone coming to NJ to look at the public records. i explained the records are with XXXX and you pay for access. i asked her to send me the records transunion used to put the bankruptcy on my report and she couldnt. no legal verification the information comes off my report. i need the bankruptcy removed immediately. i asked if these calls were being recorded. the first 2 and the last stated yes.

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 2018-01-13
Company: Experian Information Solutions Inc.
State: VA
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 submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of deployment, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from EXPERIAN saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

Experian, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by Experian as well, I 'm disgusted!

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 2021-03-30
Company: CITIBANK, N.A.
State: VA
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 promotional balance ( no interest for 18 months ) on my Best Buy card through Citi bank that ends in XX/XX/2021. My minimum payment due for my account for XXXX was {$28.00}. On XX/XX/2021, I made a payment of {$78.00}. Of that, {$28.00} satisfied the minimum payment due of {$28.00}, and the additional {$50.00} was applied to the promotional balance. After that payment, my promotional balance was {$73.00}. So, on XX/XX/2021, I made an additional payment of {$73.00} to pay off the promotional balance. However, Citi only applied {$45.00} of that to my promotional balance. When I contacted them, they claimed that I had to satisfy the minimum payment of {$28.00} on my account first. I explained that my XX/XX/XXXX payment had already satisfied my minimum due. They agreed and said they would correct it. It is now XX/XX/XXXX and it still has not been corrected. I've made 4 phone calls to Citi about this and each time, they promise they will fix it, Today, I was transferred to a manager who told me she disagrees that my minimum payment of {$28.00} had already been met and that I have to pay an additional {$28.00} to pay off my promotional balance. I clearly already satisfied my minimum due with my payment of {$78.00} on XX/XX/2021. But they are now trying to make me pay {$28.00} more than what I really owe on my account. And in XXXX, I will be charged 18 months of interest on that promotional balance, even though I already paid it off!

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 2022-12-03
Company: Southwest Collection Services, LLC
State: TX
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief