BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: WA
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:
The credit reporting agency did their investigation on this account and stated that the account came back verified. However, I don't believe that this is true and I demand that they provide me with their method of verification. 

As a consumer, I own the right to request all the steps that your agency took to insure these items were properly verified and 100 % accurate under U.S.C. 1681 ( 7 ) Method of verification. Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from XXXX saying that there is impeding arbitration to collect a debt. Left the number XXXX. I called the number a gentlemen stated I have a debt {$1700.00} with HSBC from 2017 and he had the last 4-digits of my social security number. He asked me to make arrangements and I stated I needed to dispute charges and the call dropped. I called again. I asked for the XXXX account number and the gentlemen was providing a number that could not be valid for a XXXX. The call dropped. I tried to call again and was not able to connect. 
I do not or have not had activity with HSBC that I can recall in many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: WI
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:
See attached files....Exquifax Credit Bureau is in violation of my consumers rights. They are reporting fraudulent public record to my consumer credit report. This is
clear violations of my consumer rights under FCRA! According to Section 604 US Code 15 US 1681b credit reporting agencies do not have the right
to to report anything to my credit report without my written consent. I have not provided Equifax with written consent to report this record to my
credit report. According to Sec 605A 15 US Code 1681 C-1 states that without consent identity theft. According to Section 605B 15 US Code 1681 C2 states that if a credit reporting agency is notified that something on my credit report results from identity theft they are obligated to block and
delete these items immediately. I have made Equifax aware of this identity theft and they have refused to do their duty to remove this item from my
credit report according to the laws stated above. Please remove this public record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance Owed : {$13000.00}.

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 2023-06-17
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.

The letters are stated with items and issues.

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 2023-04-06
Company: EQUIFAX, INC.
State: VA
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:
The accounts listed below are not mine. I have no idea why it is listed to my report. I surely believe that these accounts are FRAUD or either somebody with the similar name. I already filed an FTC report and this is the FTC Report NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: ROBINHOOD MARKETS INC.
State: NJ
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:
There are two charges on account which were done without my permission. One of the charges are from the XXXXXXXX XXXX XXXXXXXX XXXX for {$770.00} I was present at the location at the time and I had given permission to hold my card for reservation but never authorized them to charge my card- this charge was made on my robin hood card and the card company is not able to under help me at all they have been giving me a runaround for months now. Following this charge there was another charge for {$200.00} from XXXX I did not authorize this charge and I do not know who this merchant is. Please help me out because I this is almost a {$1000.00} which is missing from account and the people who are suppose to help are unable to understand what the issue is. 

XXXX XXXX  WAS DONE ON XX/XX/2022 AT XXXX while the card was in my possession. It shows it was an online purchase for {$200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS DONE ON XX/XX/XXXX at XXXX while I was present at the location without my permission. I tried reaching out to this merchant several time but they wouldn't respond and my credit card company would not help me recovering my funds.

PS : *ALSO PLEASE THERE IS NO NEED TO SEND ME A NEW CARD JUST BECAUSE I AM FILING THIS COMPLAINT. I HAVE ALREADY RECEIVED THE NEW CARD. I DESTROYED THE CARD THAT IT OCCURRED ON. I WILL GIVING YOU THE NEW CARD NUMBER HERE FOR THE COMPANY TO LOOK ME UP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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:
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 XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.

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 2023-04-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I visited the BJs Club located in the XXXX XXXX XXXX XXXX XXXX, Florida on XX/XX/XXXX. The visit was to renew my BJs Membership with a promotional offer of {$20.00} for a one year membership. The representative offered me a credit card, and I explicitly said I was only interested in renewing my membership and not opening up a credit card account. The following charges have been fraudulently made with this credit card and as an XXXX XXXX XXXX widow I have no knowledge of any of these purchases : XX/XX/XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXXXXXX CA XXXX XX/XX/XXXX LATE FEE XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company called me numerous times before XXXX am and to XXXX XXXX were I had to block them. I do not owe these people money. I do not know who this company is.

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 2023-04-06
Company: EQUIFAX, INC.
State: NH
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXX . THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have reached out by email requesting them to remove my info as well as not provide my personal information to trans union and XXXX. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX. 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the XXXX court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( Transunion ) .lied about verifying this XXXX with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following XXXX  from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, 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 2023-06-16
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:
despite two written requests, the unverified items listed below still remain on my credit report in violation of XXXX law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ( XXXX ) XXXX Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX Account number - XXXX ) DATE OPEN ( XXXX ) XXXX XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? who verified these accounts? you have not provided me a copy of any original documentation a consumer contract with my signature on it. as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Capital Link Management, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They have called me numerous times throughout the day. They have called my workplace and relatives who are not authorized and have provided personal information. When I have called the telephone number, they have treated me badly and have spoken to me with the threat of taking me to court. I have asked them to send me detailed information about the debt, company and a payment agreement that I can afford, but they don't want to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted TranUnion on XX/XX/ and spoke to XXXX and he informed me that he is the supervisor in the fraud department. Informed XXXX that my credit report has fraudulent inquiries. XXXX informed me to provide the fraudulent inquiries to him and the fraudulent inquiries would be deleted in 24 hours. However, its now XX/XX/, and the fraudulent inquiries are appearing in my credit report. Spoke to XXXX on XX/XX/ and informed him of the fraudulent inquiries in my file. XXXX, also like XXXX informed me to provide the fraudulent inquiries to him and it would be deleted in 24 hrs. The fraudulent inquiries were never deleted. Moreover, asked XXXX and XXXX to send email confirmation and it was refused. The fraudulent inquiries I provide to XXXX are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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