BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-02-17
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: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A. states I have 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. 15 U.S.C 1681c ( a ) ( 5 ) section states 2 ; it also a 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 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 explanation
Consumer complaint received 2023-04-17
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 NEVER Had an account with XXXX XXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: SC
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 disputed SEVERAL times with Equifax and with this company reporting 33 items on my credit file which are as follows 29 ITEMS ALL LISTED THROUGH XXXX XXXX ALL FOR XXXX 4 ITEMS ALL LISTED THROUGH XXXX XXXX FOR {$150.00} I DO NOT OWE THIS COMPANY ANYTHING. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2023-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
o whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am ocially challenging you to review your data on le for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deciencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data eld formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be veried, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been conrmed as facts.Please take care of any false accounts on my credit report. I am requesting that you x this issue as soon as possible because it will aect me nancially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, veried and compliant data documented in it!

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 2019-12-19
Company: EQUIFAX, 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:
EQUIFAX IS MAKING HUGE ERRORS ON MY CREDIT REPORT AND VIOLATING THE LAWS OF THE FCRA! THE ITEMS BELOW WERE SENT TO EQUIFAX TO CORRECT. 


XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 120 days late '' but XXXX  shows " 150 days late '' it can not be both when you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 120 days and only have ( 1 ) 30 day late payment at the same time. 

XXXX Account Number : XXXX You are reporting there is a " Balance '' of XXXX and a " Past Due '' amount of XXXX It can't be both. Bureau Code says " Authorized User '' on a " charged off '' account so it should removed. You are reporting ( 1 ) 30 day late The other credit bureaus are not. This account doesnt ' even belong to me. 

XXXX XXXX  XXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 ) 30 day late payment but XXXX  shows no late payments. It can not be both. 

XXXX XXXX Account XXXX : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, there were 3 fraud checks cashed through my checking account, causing the account went to negative. Two additional legitimate checks were cashed on the same day. Wells Fargo charged overdraft fees on the legitimate checks and reversed the payments on the fraud checks. If there were no fraud checks, the fund would have been sufficient to cover the legitimate checks. Wells Fargo has refused to refund the overdraft fees based on the argument that the bank bears no fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: MD
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:
To whom it may concern : The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on le for me doesn't match what's listed then there are problems with either your records or those who provide them for verication purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on XXXX that does not match what I listed above. Furthermore, I want you to conrm the data you have on le. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my prole must be accurate and thorough. You must nish your information verication within a reasonable time frame and be able to evaluate and conrm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, veriable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be xed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

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 2020-01-24
Company: JPMORGAN CHASE & CO.
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- Unauthorized transaction on my Chase CC for {$740.00} on XXXX, with merchant XXXX XXXX, a merchant I have never previously done business with - Filed a complaint with Chase immediately ( XXXX ) - Learned that my CC details were compromised because a 2nd merchant, XXXX, called me about an order they were having trouble fulfilling ( also on XXXX ) ; once I confirmed I had never authorized that transaction they worked with me to cancel and told me to call my CC issuer and let them know my details were probably compromised - NOTE : Neither the XXXX XXXX  nor XXXX purchases were authorized or conducted by me or with my awareness ; moreover, no other person has access to my CC or details. 
- Chase denied my dispute of " unauthorized transaction '' on XX/XX/2020 because " You received benefit from this transaction. '' - In speaking to Chase, Chase determined I " received benefit '' from transaction because documentation provided by merchant included my : Name ; Address ; Phone Number - NOTE : Name, address and phone number are all publicly available information which can be obtained by doing an internet search ; more likely this information was provided along with my CC details when the info was compromised - NOTE : When disputing, " Did not authorize, '' the denial reason that I " received benefit from transaction '' does not cure the nature of my dispute. Disputes for " unauthorized transaction '' should be cured by the merchant providing evidence of authorization, not -- as Chase informed me over the phone -- " merchant documentation of my name, phone number and email address. '' - NOTE : The denial reason, " received benefit from transaction, '' is not valid unless Chase has received evidence from the merchant in question that confirms that I actually received any benefit from the transaction in question, NOT that the merchant was provided my name, address and phone number. If I received a benefit ( which I most certainly did not ) then I would expect Chase had proof that I ACTUALLY RECEIVED ANYTHING FROM THE MERCHANT IN QUESTION. Chase did not have this documentation or at least did not state they did when we talked earlier today, XX/XX/2020 - Not only did I not conduct or authorize this transaction ( which documentation providing an IP address for the person who placed the order might help confirm, as the IP address is most certainly not mine ) but I also never received any merchandise or refund, which makes this denial reason entirely invalid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
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: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX NA - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: JPMORGAN CHASE & CO.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge was submitted twice for the same stay on XXXX. 
XX/XX/2019 {$170.00} XX/XX/2019 {$170.00} The amounts differ slightly ; perhaps this was a fraudulent attempt to make it appear that both charges were legit. It made it difficult to file a complaint via the Chase Website, but I did anyway. 
Chase has ignored my online complaint, and two additional reminders I sent with my paper bill payments. The account is current, and I've stopped using the card, but they are adding penalties that falsely claim I'm behind on payments. 
Thank you for your assistance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Navy federal keeps contacting my dad The number that is calling is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation