BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: MN
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 am requesting the following accounts be updated. I have tried to reach out to XXXX  regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX  accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXXXXXX  Account Name : XXXX XXXX Account Number : XXXXXXXX  Account Name : XXXX  Account Number : XXXXXXXX  Account Name : STATE OF MI OFFICE CHI Account Number : 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 2023-10-03
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:
The inquiries on reports are not mine Ive called all credit agencies and companies however nothing has been fix I would like all inquiries removed as well as late payments that are not accurate bankruptcy thats on one and not the other therefore the reports are inaccurate 13 inquiries on Equifax A bankruptcy on XXXX and XXXX that needs to be removed as well as XXXX  on Equifax reporting late on the other accounts no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
UNFAIR AND UN-ACCURATE CREDIT REPORTING HAS LED TO MANY CREDIT DENIALS AFTER I APPLIED USING MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I hereby request the deletion of a charge off on my credit report by XXXX XXXXXXXX due to inaccurate information, the furnisher is unable to provide me with the copy of 1099C used in writing off the debt with the IRS to know how much the debt was charged off. The furnisher has not been able to provide this information since over 30 days as required by law. 

In this regard, kindly delete the charge off due to inaccurate information due to inaccurate information.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-10-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-18
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been doing my payments by my credit card for my student loans. They never follow up with a receipt and I don't understand why they can take my money but they never want to send me a receipt. I use to mail payments now I got smarter and do it by credit card to show my payments. Also so they never report the correct information on my credit report. 

It seems dishonest to not provide a receipt for a payment. I talked to Navient again yesterday and the person said they would send my receipt by email that day. I still have not received anything. 

Plus I asked about information of loan forgiveness. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Security Credit Services, LLC
State: IL
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 have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
My name 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 non-monetary relief
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with XXXX XXXX, who stated he was the XXXX, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MD
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:
I am submitting this formal complaint about Equifax, XXXX, and XXXX, for violating the following laws related to my consumer report : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) : Permissible purposes of consumer reports 18 U.S. Code 6802 : Wire fraud Specific Violations of U.S. Code : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report if the person requesting the report has a permissible purpose for using the information. I did not give my permission in any form for Equifax, XXXX, and XXXX to report the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 6802 states that it is a crime to knowingly transmit false or fraudulent information in interstate or foreign commerce. Equifax, XXXX, and XXXX transmitted false or fraudulent information about me to potential creditors and employers by reporting the accounts listed above without my permission. 

Here are the specific examples of Unfair, Deceptive, and Abusive Practices : Equifax, XXXX, and XXXX reported the accounts listed above on my credit report without my permission. 
I have not been notified of the accounts listed above being reported on my credit report. 
The accounts listed above are inaccurate and have damaged my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax, XXXX, and XXXX 's practices and take appropriate action to protect consumers from Equifax, XXXX, and XXXX 's unfair, deceptive, and abusive practices. I would also like to be compensated for the emotional distress and financial losses that I have incurred as a result of Equifax, XXXX, and XXXX 's actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

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 2023-06-20
Company: Chime Financial Inc
State: MD
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:
In the beginning of the month, XX/XX/XXXX my chime account was charged 7 times variants of {$230.00} from XXXX, I changed my password, PIN number and got a new chime card. On the XXXX my card got charged the same amount from chime and I started a dispute on the same day. My dispute number is XXXX from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: PA
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 pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
XXXX XXXX : inquiry date is XX/XX/XXXX. 
Jpmcb card : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this complaint to urgently address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed 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 explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, 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:
In According with the Fair Credit Reporting act 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 cannont furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CT
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.

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 2021-03-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted XXXX XXXX XXXX  to get more information about the Dr. bill back in XXXX and we still have not received anything verifying the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXXI am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my 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
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-10-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with explanation