BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
The reporting company did not inform me the consumer of the right to opt out of reporting private information to third party agencies directly violating 16 CFR 313.7 form of opt out notice to consumers ; opt out methods.

I am aware I have the right to privacy of my non public personal information according to 15 USC 6802 the sharing of this private information to a third party without consent is identified theft.

No direction on how to opt out of sharing was expressed to me the consumer. Wells Fargo is violating 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. This notice is to please cease and desist all illegal activity which constitutes collection activity. This is also a notice of exercising my rights to prevent the processing of my personal date by Wells Fargo for the account opened on XX/XX/2021

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 2022-08-17
Company: JPMORGAN CHASE & CO.
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:
It happened XX/XX/22 for XXXX dollars. Chase Bank called to inform me that fraudulent charges were billed to my account and was advised to change my email account password. My accounts with chase were suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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 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.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2017-11-11
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrote letter on XXXX-XXXX-2017 to Diversified Consultants that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Diversified Consultants to removed incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Diversified Consultants

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed a dispute letter to the three credit reporting agencies ( Equifax, XXXX, XXXX ) on XX/XX/2021. I asked the bureaus to delete six accounts because of inaccurate information between the three CRAs. Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that four accounts was missing the notice of dispute from the accounts I was disputing. How is three different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes to Equifax regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Equifax is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Equifax has not provided me with any VALIDATION OF THESE ACCOUNTS. Equifax constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Equifax what did the company VALIDATE with them, and I have repeatedly been ignored. Since Equifax and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from Fingerhut and Capital One Bank to remove from my credit file. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed a dispute letter to the three credit reporting agencies ( XXXX, TransUnion, XXXX ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes

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 2018-01-09
Company: Bread Financial Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company called an elderly relative and told her about the debt. Woke her up from her sick bed at XXXX am. Threatened to take action. The relative is also on a no contact list. Calling my relatives is totally illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
From the dates of XXXX XXXX XXXX, multiple fraudulent transactions were approved through my Credit card from an UNKNOWN foreign third party. These are obvious fraudulent transactions permitted by the credit card company despite no authorization provided from me in any way. The credit card company is refusing to provide proof that any authorization was given and refusing to refund these transactions. They are refusing to pursue communication with the scamming third party. They have failed to secure my credit and refusing to rectify the situation. The credit card company is CHASE bank. My account was secured with 2 factor authentication and my phone was never stolen or lost. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the list of accounts below has violated my federally protected rights under15 U.S.C. 681 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX account # XXXX and # 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions 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:
Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report XXXX XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written 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 explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a Tenant in a home Serviced by Ocwen. The Homeowner had Health Challenges and Ocwen refused Modification. His family had to move his possessions by XX/XX/2019. The Property Preservation Team told me " Move your belongings and Ocwen would contact you ''. I put most of my personal possessions in Storage. I changed the locks and moved back in because Ocwen did not contact me. Ocwen had Utilities Turned 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXX XXXX Account number N/A, MisleadingXXXX, XXXX XXXX XXXX XXXX Account number N/A Misleading., XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all my credit reports : 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 Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX  : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.

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 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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 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. 

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 non-monetary relief
Consumer complaint received 2023-08-24
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 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.

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 non-monetary relief
Consumer complaint received 2022-01-18
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX filed a claim for breach of contract in the amount of {$340.00} on XXXX of XXXX. I contacted XXXX XXXX XXXX an informed them that I never signed a contract with their company and as such would not pay this amount. 
I paid for all oil that was delivered XXXX was unable to provide a signed contract Sunrise Credit Service Inc XXXX XXXX XXXX XXXX, NY XXXX contacted me by mail dated XX/XX/2021 demanding {$420.00} for XXXX XXXX XXXX XXXX XXXX I sent a written response on XX/XX/2021 stating that I never signed a contract for oil delivery with XXXX and would not pay this bill I was contacted again by telephone and informed the caller that I had already responded by email and he said that he would make a note in the file XXXX & XXXX XXXX sent me a letter dated XXXX XXXX for collection of {$420.00} For XXXX XXXX XXXXXXXX I am under the belief that this must be the XXXX Heating claim I do not owe this money and I will not waste more time responding to these claims

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