BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a hard credit inquiry notification from my credit monitoring service. The inquiry was made for a new account with " TD Bank ''. I did not initiate this. I am in the process of trying to stop the account from being created, but my information is leaked enough for this to have been initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX XXXX  And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: John C. Heath, Attorney at Law, PLLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have issue with Lexington Law Credit Repair.com when my wife canceled back in XXXX it was for the both of us but instead they only cancel my wife which its suppose to be mine as well too and it was billed on my wife 's credit card which was ok at the beginning but when she called to cancel it was told to the representative that it was for both of us. the next thing I find out that my wifes credit card was billed for me (  XXXX XXXX ) on her credit card. But the representative assured me it was not going to be touch because I am not authorized on that card and Lexington Law went ahead and charged my wifes card on XX/XX/2020 {$89.00} and {$19.00} that was not authorized at all. I want this problem resolved but Lexington Law crediting back unauthorize charges for me on my wifes credit card that was not authorize to be charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I woke up to see a text on my phone from the number XXXX ( XXXX ) XXXX stating that there was an attempt to send {$2000.00} via XXXX and for my protection this transaction was flagged. I was asked to reply YES if I wanted to continue to send or No to cancel the request and that an operator would call me shortly after. I replied with a No and then received a call from a number XXXX ( XXXX ) XXXX. The caller said his name was XXXX XXXX with an employee ID of XXXX then continues to explain the fraud situation asking if intended to send this amount to someone in Florida with an XXXX XXXX XXXX phone. I said no. He then instructed me on how I should dispute this fraud by creating a new XXXX contact to send myself the money for reasons I can't quite remember. He had instructed me to create a contact using my first initial then my last name and said I would need to use a number he had created, XXXX, to send the money since my email and number were deactivated due to suspicion of fraud. He also stated that the name associated with that number, XXXX, was the associate that was in charge of my fraud case. He instructed to to first send {$700.00} then the remaining {$390.00} and that I should be receiving a notification soon after, and that now my money is safe. After hanging up and not receiving said notification I immediately realized I had been scammed. I then called my bank, Chase, and reported the scam. Giving them all the same information and details stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My rights as a consumer have been violated multiple times by XXXX XXXX XXXX account number XXXX. 

According to 15 USC 1681 b, there can not be anything furnished on my consumer report without my written consent. 

I did not submit in writing to above said person that they may report anything on my consumer report. 

Also according to 15 USC 1681, I as a consumer have a right to privacy. 

All transactions between myself and above said person are private in nature which should have been kept private, by furnishing information on to my consumer report said person has violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Financial Credit Network 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: Information belongs to someone else

Complaint:
I've tried to dispute this transaction on my credit report due to fraudulent activity and it's been denied. 
On XX/XX/2018, FINANCIAL CREDIT NETWO has placed a collection depth for the amount of {$1200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: TX
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 sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 letter about inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. 

I am sypmathetic to the Delta varient increase, but I feel like my dispute letters are being ignored and that I am being taken advantage of because I am not a major corporation. You know this better than I, but Section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these items should be deleted immediately. 

I demand these accounts be deleted accordingly. You are my hope to resolve this matter without litigation, but I am prepare to file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. 

My information was impacted by the Equifax data breach I am demanding that all items on my credit report is validated with PROOF, not statement printouts. 

PLEASE HELP remove, delete and update the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Please intervene and assist me with this request. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Transunion- The following accounts are reporting inaccurate information on my credit profile. 

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off 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 2023-01-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I never applied for card credit charge card in XXXX and XXXX. The account # on my credit report is XXXX. This needs to be remove from all 3 credit reports bureaus..

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 2022-10-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, I called the fraud department and spoke to representative by the name of XXXX regarding XXXX XXXX XXXX Bank account reporting On my credit. I explained to him that I submitted every documentation needed from me to get this account remove. This account does not belong to me and Experian has been purposely ignoring my claim. Today I happen to check my report to see what's going on. & look the account is no longer is dispute and I never got notice. It's impossible for a dispute to be completed in less than 72 hours with proper investigation. 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 # XXXX XXXX XXXX XXXX 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.

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 2022-08-24
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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 2022-09-29
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
( 1. ) During a phone call to Equifax after being verified the representative refused to update my current address. Please see attached signed Rental Agreement dated XX/XX/2021 ( XXXX ) During the same phone call with Equifax after being verified the representative refused to investigate disputes related to Hard Inquiries listed on my credit report, Stating they are a " Statement Of Fact ''.. 

FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 

15 USC 1681b [ C ] [ 3 ] ( 3 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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. 

XXXX XXXX. Account 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 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 2022-10-22
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX XXXX that was attempting to collect a debt from a PayPal account that was opened in my name. I do not have a PayPal account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

XXXX XXXX letter dated XX/XX/2020 for {$61.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
I filed complaint for Identity theft. I had some deletions and some were verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. 
It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any atomized bill, I am asking for contracted with my signature that stated I have done business with this company.

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 2023-03-10
Company: West Realm Shires Services Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by XXXX XXXX ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services

Company response to consumer: Untimely response