BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: MN
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 HAVE SUBMITTED NUMEROUS DISPUTES REGARD THIS XXXX/XXXX CHARGE OFF ACCOUNT ON MY CREDIT FILE. THIS COMPANY HAS NOT SUBMITTED ANY PROOF THIS ACCOUNT BELONGS TO ME, BUT I HAVE SUBMITTED PROOF THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED POLICE REPORTS WITH THIS XXXX ACCOUNT MENTIONED IN SAID POLICE REPORT THAT THIS IS A FRAUDULENT ACCOUNT. EQUIFAX HAS YET TO TELL ME WHY THIS CHARGED OFF ACCOUNT IS REMAINING ON MY CREDIT FILE. I HAVE BEEN FIGHTING THIS OVER YEAR NOW. MY POLICE REPORT IS VALID AND HAS BEEN SUBMITTED TO FDIC AND EQUIFAX. THIS COMPANY XXXX IS VIOLATING MY FCRA AND THE FCBA. THEY ARE ALSO RETALIATING AGAINST ME FOR SUBMITTING THESE DISPUTES. IT DOESN'T HURT THIS COMPANY AT ALL TO REMOVE THIS PETTY CHARGE-OFF ACCOUNT, THEY JUST WON'T REMOVE IT BECAUSE THEY ARE TRYING TO HURT ME. WHICH IS A FORM OF RETALIATION. I HAVE NEVER HEARD OF THIS COMPANY NOR HAD ANY CONTACT WITH THEM. EXCEPT TO INFORM THEM THIS ACCOUNT DOESN'T BELONG TO ME. I NEITHER HAVE NOR HAVE ANY PRODUCTS OR SERVICES FROM THIS COMPANY. IN ORDER FOR CREDIT BUREAUS TO LEAVE THIS ON MY CREDIT FILE, THEY MUST SUBMIT PROOF THAT I OPENED THIS ACCOUNT, AND THEY CAN NOT BECAUSE THIS ACCOUNT WAS OPENED ONLINE, WHICH WAS DONE BY SOMEONE WHO HAS COMMITTED IDENTITY FRAUD AGAINST MY GOOD NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a complaint directly with PayPal for an unauthorized charge of {$20.00} made to my bank account. PayPal resolution center replied that it was an authorized transaction and that if I wanted to see the documentation supporting this I had to write them a letter by mail. 

1.- They don't have legal documentation regarding this authorization, because it was not and because on the opposite I have documentation sent directly from the merchant apologizing for applying that service to my account, and that I should not have. Amongst emails of cancelation of that invoice.

2.- This is clearly a delaying tactic used by them as a way to create a bureaucratic hassle to impede people from pursuing resolutions on their cases as it is time costly, inconvenient and slow as written mail.

3.- Additionally of authorizing and insisting on charging me for this unauthorized charge, they forced the charge my bank account directly instead of the sole authorized credit card for online purchases. They use the information provided from me for different objectives and use this information to perform illegal and unauthorized deductions to my checkings account.

I never authorized PayPal to perform charges on my bank account. They were authorized only to use my credit card, but they used the information provided only to receive money. 

The transaction information is : Dispute Case ID : XXXX-XXXX-XXXX Transaction Amount : {$20.00} USD Transaction date : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: WA
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 XXXXXXXX XXXX XXXX # XXXX ) Account name XXXX  XXXX Account number XXXX account name XXXX XXXX account number # XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX these accounts have 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 2019-07-24
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:
I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: JPMORGAN CHASE & CO.
State: IL
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:
XX/XX/19 there was a XXXX fraudulent charge on our card we contacted Chase the following morning after seeing the email to notify them of the fraudulent charge, No problem they would credit our acct. and issue new cards. They would turn it over to their fraud department. mid XXXX we were notified the charge would be put back on our card. The fraud department said they determined we benefited from the charge. They determined that we shopped at the same chain store the charges were made to. It seems apparent that they have not done any investigating into the matter. All they know is there was a fraudulent charge through ecommerce to XXXX. I was instructed if I could find out anything on my own to report it. So on my own I investigated and determined that someone ordered online 3 tons of merchandise ( very large truck ) - XXXX sheets of XXXX x XXXX gypsum board and XXXX cases of white siding from a store almost 2 hours away in the XXXX Illinois XXXX area. I live in the XXXX, Il area 3 XXXX within 30 to 40 minutes from my home. 

Amazing that this was so far from the norm of an almost 20 year customer that has faithfully paid his bill in full each month. A bill that probably average over XXXX each month. Basically called a thief until I can prove otherwise. What will it take?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I need these accounts updated to all payments made on time, I have never missed a payment. I also have never made a late payment on these accounts. I need these accounts updated to all payments made on time which is accurate. I have disputed this information and have not gotten any responses back. 
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 explanation
Consumer complaint received 2021-10-29
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Your bank has handled my identity theft in an unprofessional and frankly embarrassing manner. My father served in the military for me to have the privileges such as membership with your credit union and this is not what he would have envisioned for me to occur while doing business with your company. 

I have attached my Identity Theft Report which has further information. 

As mentioned in my identity theft report and correspondences with Navy Federal Credit Union, there were discrepancies with the way my case was handled. One representative ruled in my favor and another did not. ; unfortunately, the bulk of the charges were denied. It caused me a five figure loss of funds, my Navy Federal checking account to be overdrawn, and due to that denied for other products from Navy Federal although my FICO scores range from XXXX to XXXX depending on the scoring model. 

I want these decisions to deny my fraud claim ( s ) reversed immediately and all fraud charges refunded to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from a XXXX XXXX from UCB United Collection Bureau. She had first contacted my parents and had a rude remark about ( Well you are XXXX 's mother you can get a hold of her can you not ). Then said she would remove their number. My parents are not associated with this account, and should not have been contacted in the first place, let alone rudely. I then called to see why she called. She informed me that they had acquired the debt from XXXX, and had not received a payment in six months. We never received any notification of this debt being transferred, and are enrolled in a debt settlement program with XXXX XXXX XXXX who would be managing this debt. She interrupted and claimed that " they don't talk to settlement companies '' and that they would sue us, garnish our wages, and cause trouble to our credit. Again, I informed her that the debt was being handled by a settlement program, and offered their contact information. She yelled that they would not contact a settlement program. She was very rude to me and harassed me and kept demanding we pay them ( by XX/XX/XXXX {$66.00} ) or suffer the consequences. I was very upset and couldn't believe i was talked to like this. These calls have been incessant, disruptive and occur at all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-12
Company: Total Card, Inc.
State: OH
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:
I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX AT PHONE XXXX X XXXX - XXXX XXXX HAS CALLED REPEATEDLY. HAVE CALLED AND HARRASSED FAMILY MEMBERS AND FRIENDS REPEATEDLY EVEN THOUGH THEY WERE TOLD THAT CALLING A THIRD PARTY AND LEAVING A MESSAGE WITH A THIRD PARTY TO CONTACT ME IS AGAINST THE LAW. THEY DID NOT CARE AND SAID THEY WILL CALL WHOMEVER IS ASSOCIATED WITH ME TO FIND MY WHEREABOUTS. THAT IS HARRASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 # : 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.

This Debt is not mine, I have reached out to this company for validation with no response. They are reporting inaccurately on my credit report, this company and the company they collect for are reporting as if I owe them a debt and I have never heard of either of these companies and I have never agreed to pay them anything. As in the above mentioned laws in accurate information must not be reported erroneously on a consumer. If so it must be deleted.

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 2021-10-29
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
PNC closed the above account ending in account numbers XXXX. Marked my account as delinquent for 90+ Days, reported me to major credit bureaus, & fundamentally altered my credit score by 65+ points. There was not a warning call, email, or written complaint certified or non-certified mail. With regard to the following issue it remains unresolved and I have decided to enact arbitration between PNC Bank N.A . & myself. I will send a certified postage on Monday XX/XX/2021. I request the signed copy of my credit contract & terms along with the recorded communications of relating to the closure of my account. It was stated that the delinquency was communicated via phone record & certified mail. Please present evidence of the following documents. I appreciate the executive escalation teams response but have not been provided with the following supporting documentation. I am presently incurring a substantial penalty in regard to my present credit score. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Problem getting your free annual credit report

Complaint:
Hello, In 2013, I moved from XXXX  to XXXX XXXX after finishing my University. I obtained my SSN while working on campus as an XXXX XXXX XXXX XXXX 

Currently, I am in the process of applying for the XXXX bar exam and they requested that I submit my current credit report. I was unable to request my free credit report on the website since I am residing abroad and have no current address in the US. Is there any way I can receive my current credit report?

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 2022-09-12
Company: CarMax, Inc.
State: TN
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:
In XXXX I purchased my third car from Carmax on XX/XX/2021. I used the carmax financing and set up my automatic payments as soon as I could to avoid any late penalties and because I make it a point to always set up auto pay on all of my bills and payments. I have never been late or missed any payments on any bills and I pride myself on this. Im attaching the email confirming that I did sign up for autopay on XXXX XX/XX/2021. My first payment was due on XX/XX/XXXX but I wanted to make sure it was all set up and good to go ahead of time. 

The confirmation I received said I was enrolled. If there was a problem with the routing or account number I should not have received an email saying I was enrolled. That is a system error and it should not have accepted my routing and account number if something was wrong with it. 


We bought the van to travel to California for the months of XXXX and XXXX. While there, I got XXXX and suffered a XXXX. I was not getting my mail from XXXX but on XX/XX/XXXX I got an email notification that the payment didnt process so I called carmax and talked to someone. If you listen back to the conversation you can hear me asking if anything was wrong and if the payment would go through. They said they couldnt tell exactly but it should be fine. Again, this is a system error, they should have said no it is not processing, we will take your payment now by phone so it will not be considered late and you need to enroll again. 

There was much going on at this time and I left it at that. Sometime in mid XXXX a friend of mine sent me my mail from XXXX and it included a notice saying my account was overdue and it would be reported to the credit bureaus. I called carmax immediately and they told me they would forward on my situation, because it was their mistake, how they could see I tried to enroll in auto payments on XX/XX/XXXX but must have entered the numbers in wrong or some small glitch like that. 

I then re-enrolled in the auto payments and it went through. They said the error was called unable to locate and should not be a problem. They even waived a late fee because they knew it was an honest mistake. 

However I was grieved when I got a letter in the mail saying carmax auto financing would not reverse its decision to report this as a late payment to the credit bureaus. 

Please consider all that I am providing as evidence that my absolute intention was to make my payments in time, I enrolled in auto payments ahead of time just to be safe, I called to follow up when I was notified the first payment was not going through, the person on the phone assured me it should be fine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: CarMax, 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: Account status incorrect

Complaint:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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