BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to remove thse items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2022-12-26
Company: Experian Information Solutions Inc.
State: GA
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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-26
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Incomm Holdings Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received the prepaid gift card as a gift in XX/XX/2022. It was sealed in its original packaging and I did not attempt to use it until XX/XX/2022, when I tried to purchase a pair of shoes online from XXXX. The card was declined so I checked the www.mybalancenow.com website and learned that the balance on the card was {$0.00} and that the full {$200.00} value had been charged to an XXXX purchase in XX/XX/2022. The XXXX purchase in XX/XX/2022 was not authorized, was not made my me, and I never gave anyone the card or card number. I did not know the number myself until I opened the package it came in for the first time on XX/XX/XXXX. I called your customer service line and began this claim immediately after learning about the fraudulent, unauthorized transaction for the first time on XX/XX/2022. 

Everything about the reporting and resolution process seems like a fraud and designed not to address the problem/loss. They are slow, do not respond for days or weeks, and the timeline for every step has been delay after delay. I thought I had initiated a claim over the phone but then learned I must submit a form. It took almost two weeks to get the form. I submitted the form on XX/XX/2022, and have asked for periodic updates and they rarely respond. I finally got an email saying a replacement card had been sent and would arrive by XX/XX/2022, but it has never arrived. I tried to follow up on the status and they have not responded. I need help getting this finally resolved after four months of trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by XXXX & XXXX XXXX to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: GOLDMAN SACHS BANK USA
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Apple failed to provide me with statements, Apple Card replacement and also updated the address from XXXX  to XXXX.

My Apple ID eas canceled alone with check and other identifying documents.

The company constantly reported me late and took advantage of the adverse situation.

Rather to rectify the issue they keep sending generic letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: DE
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:
There is information on my credit report for accounts that is false. I have no knowledge of the information on these account. This is False. Please remove from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: American Capital Enterprises, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company using a third party to collect medical debt. I requested a XXXX release form request with my signature that gives company authorization to collect on behalf of the original creditors and have yet to receive anything in the mail. This is a violation of my XXXX rights and collection needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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: 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit bureaus have violated my rights. 

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

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: WI
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 in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXXXXXX XXXX XXXX XXXX : XXXX XXXX2 has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently recevied a copy of my ( XXXX, Equifax and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : account ending in XXXX, late payments reported on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX is in clear violation of the law. Pursuant 15USC1681 a 2 ( A ) ( i ) -EXCLUSION- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1881a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly sates IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
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:
I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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: Public record information inaccurate

Complaint:
I have repeatedly attempted to get XXXX information removed from my consumer account. 
I have spoken with the XXXXXXXX  clerk and I was informed that they DO NOT per the Privacy Act of 1974 provide information to third party creditors at all!! I did not give written or verbal authority to report this personal information to my consumer report. According to Law, I need these and all XXXX  Reports removed from my consumer account within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My sons SSXXXXI has been deposited into my Chime account every month for a year. Last month I had my 2022 taxes through turbo tax deposited into my account and two additional deposits from a casino website. After I received my Sons SSXXXXI this month Chime closed my account and told me my account violated their deposit agreement. Told me to provide identity proof by sending my drivers license, SS card and proof of residency. I sent all. To which they said due to security they couldnt discuss my account with me. I called and they wanted proof of the DD into my account asking for screenshots to which I provided all documentation. They have told me they will not issue a refund for my sons SSXXXXI and have stopped communicating all together with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
For the past year, I've been targeted, harassed, retaliated & discriminated against by Comenity Bank! They have single handedly ruined my credit simply because they can! I have several cards w/them and as soon as I use a card, they decrease the limit making my utilization seem extremely high! I went from a score of XXXX to a score of XXXX to a score of now XXXX! I NEVER missed a payment this year to date! The reason behind this retaliation is lengthy, but I have all of the recorded calls to support my claims! They just informed me yesterday that XXXX voluntarily sends my credit report/score to them and they decrease my limit based on that information however, XXXX denies doing this bc they don't have the technology or manpower to do it. Every letter the bank sends me, states a variation of lies & misinformation! 
I'v been in a deep XXXX bc of this. I haven't had credit in over XXXX yrs and I've decided to start reestablishing my credit so I can secure my future, but everytime they decrease the limit on any random card of their choosing, my scores drop by dozens of points affecting my ability to see any hope of my dreams coming true! The irony is... the amount of proof I have towards this is astounding. 
Their egregious, malicious and retaliatory actions has affected me so badly, I've often considered taking my own life bc they're destroying all hopes of my buying a home! Scores fluctuate, but how can they decrease limits know that score rise again as well?! No on that I've spoken to experiences this with them! 
At the age of XXXX, my dream was to build enough credit within 3 years to buy my 1st home, but they are intentionally & single handedly obstructing any & all progress I make toward accomplishing that! This ENTIRE ordeal has been so traumatic & trying ... I now have to take a mental health break from reaching out to them bc I'm currently seeking medical attention for the severe XXXX this has caused me! 
I have even gone so far as to seek legal advice, but no one specializes in credit fraud, or malicious credit card practices! I have no idea what else to do outside of end my own suffering bc Comenity Bank has completely ruined my life! 
I'm starting over at XXXX and this company is maliciously targeting any progress I make... I don't think I even have it in me to continue fighting a losing battle. 
They've recently gone so far as to cancel a {$450.00} credit card that I NEVER even got to use! 
It's as if someone is watching all of my accounts and everytime I use a card ... within 30 days they're revoking hundreds of dollars of unused credit! I wonder if the same person is behind all this retaliation bc if so, I need to know why and who's doing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This inquiry XXXX scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry XXXX scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my company checking account started to show fraudulent transactions on XX/XX/XXXX, I reported to Citibank on XX/XX/XXXX, but the fraudulent transactions still keep coming in with a total of 11 fraudulent ACH transactions before citibank finally closed that account and open a new accunt for my company on XX/XX/XXXX. Citibank refunded all of these 11 fraudulent ACH items but on XX/XX/XXXX, they took {$220.00} ( one of the fraudulent item ) from my account and said that ACH is appropriately applied while it was 100 % fraudulent. There were other 6 fraudulent items from that same vendor ( XXXX XXXX ) which were all refunded to me without issues. This particular item showed up on my account on XX/XX/XXXX {$220.00} as ACH DEBIT XXXX  XXXX Mobile Payment, I reported on XX/XX/XXXX along with other 2 transactions, Citibank sent a STOP PAYMENT confirmation on XX/XX/XXXX, and refunded that {$220.00}. But on XX/XX/XXXX, Citibank deducted {$220.00} from my account and sent a letter saying they found that the ACH transaction was " appropriately applied '' - ignoring the STOP PAYMENT request executed and the fact that there were 6 others fraudulent transactions from XXXX  XXXX ACH debit which were all found to be frauds and refunded without issues.

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