BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: IL
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:
The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry from Comenity Bank/Bread Financial/Victoria Secret on my XXXX Credit report that I did NOT give permission for. 
It posted XX/XX/XXXX, today. 
I have not given permission for any hard pulls for my credit to Comenity. Comenity usually calls me before even doing a soft pull inquiry because of the fraud alert on my credit reports. I dont know what is going on but I want this off my credit report!!!! 
This is coinciding with Comenitys website being down and not being able to make payments or talk to anyone on the phone therefore I havent been able to get help directly from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
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: Credit inquiries on your report that you don't recognize

Complaint:
While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2022-07-04
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: Credit inquiries on your report that you don't recognize

Complaint:
While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2022-12-05
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: Personal information incorrect

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 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 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance 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 can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, 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:
I am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX through present PNC bank has multiple errors noted in my account. Tried to discuss them via Customer Support via Chat with no success other than the standard cut and paste answers. These duplicate credits and duplicate withdrawals need to be corrected as they affect my correct balance. I have attached the errors in question via XXXX XXXX and XXXX XXXX. Unless there is a glitch in their system, these duplications should not be occurring. Please see screenshot attached. Please assist in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Westlake Services, LLC
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:
on XX/XX/22 I requested that westlake financial cease and desist collections due to the fact that this account under nys law is past the statue of limitations which was XXXX and now that the new law have passed its XXXX in XXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation

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 2022-09-24
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, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX - XXXX, have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
TD auto finance repo my car without and the put account and collection and they are charging me insane amount. This account its hurting my life because they are charging a lot of money and every month they keep raising the amount from {$5000.00} to {$10000.00} I feel they are taking advantage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance 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 can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX - XXXX, have violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: Early Warning Services, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested my credit score and ''file '' from Early Warning with a certified mailed letter and a domestic return receipt. In my letter I gave Early Warning proper identification up to the Fair Credit Reporting Act requirements and Early Warning denied me my requests because they wanted me to send my social security number to them for more information. Early Warning is a consumer reporting agency with an assumed role and using manipulation tactics to get credit card information ( my social security number is a credit card according to Federal Law ). Early Warning has violated my consumer rights. As of now Early Warning is in violation of XXXX USC 1681g ( a ) ( 1 ) and The Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2022-08-23
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: Account status incorrect

Complaint:
This is false! On this account, I've never been late! I'm always on time. This is deceptive information. By reporting this false information, you are destroying my credit.

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I saw unauthorized wire transfers pending on my account, immediately called Chase fraud to report these were NOT mine. Then went into Chase bank branch in XXXX XXXX AZ, they advised me to proceed with having the account comprised and opened new account. I asked them at the time if they could notify the bank where the funds were going and alert them that the transactions so they could freeze the funds and alert the bank these were illegal transactions They told me no got on the phone with the fraud claim department to alert them and then I was supposed to receive forgery packet in the mail. I asked at that time if i should file a police report they said NO I just needed to wait for the packet in the mail. I then went to a different branch and spoke with a branch mgr XXXX XXXX who got on the phone again with the fraud dept. they said yes file a police report and I immediately contact dept and filed report with XXXX XXXX XXXX I got the police report, identy theft report and brought into XXXX XXXX branch to fax to fraud dept. Didnt receive anything in the mail from Chase and while there banker helped me to get form needed to file the fraudulent wire transfers. Banker faxed the forms necessary and signed faxed to fraud claims. 
I received zero communication from the fraud department at Chase. 
I then filed a complaint with CFPB against the receiving bank on the fraudulent wire transfers. I received a response form the banks senior vice president saying they received no recall from Chase. This has been a horrific experience and very stressful. Have had to contact XXXX XXXX  because I have been XXXX XXXX XXXX. I have been put on XXXX, but Chase fraud and their investigators have done NOTHING to help retrieve the stolen funds. After receiving the response from XXXX XXXX XXXX that received nothing from Chase on the recall of funds I went into Chase branch again to have them fax the letter from receiving bank to the fraud department. This has been complete negligence on Chase and I will be seeking legal counsel to retrieve my stolen money. I can't believe how they have just swept this under the rug but I guess they do NOT care about their customers nor illegal activity. DISAPPONTED completely on Chase fraud claims system and their investigators and this process. 
-On XXXX XXXX unauthorized illegal wire transfers were made XXXX and XXXX Chase could have alerted the receiving bank and froze the accounts they were going to/ Chase has done NOTHING as far as I can tell. My account was credited for XXXX today from XXXXXXXX XXXX but waiting for the XXXX other wire transfer to be returned. Truly disappointed thought my money was safe with Chase but obviously NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 and XXXX XXXX XX/XX/2021 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

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE ACCOUNTS AND INQUIRIES ON MY CREDIT PROFILE THAT ARE FRAUDULENT ACCOUNTS THAT I DID NOT INITIATE. THESE ACCOUNTS AND INQUIRIES MUST BE IMMEDIATELY REMOVED FROM MY CREDIT PROFILE. THESE ARE NOT MY OWN.

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 2022-09-24
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: Account status incorrect

Complaint:
This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent 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 2022-09-24
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 status incorrect

Complaint:
This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account

Company response to consumer: Closed with explanation