BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Did not authorize these inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX inquiries Inquiry details XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX unauthorized inquiries XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
XX/XX/23 i sent a letter to experian disputing the validity of a bankruptcy that they have reporting to my consumer report. I also sent supporting documents from the court of Georgia stating that they do not report to any credit bureau. They have yet to even acknowledge my dispute.

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 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-03-06
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-27
Company: BROKER SOLUTIONS, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I had been working for XXXX XXXX when I first brought my home. In XXXX of 2022 I put in my two weeks notice because of XXXX  health reasons. From XXXX till XXXX I was unemployed but I did have some saving I used to keep my bills current. In XX/XX/2022 I had started working my new job but the pay was significantly lower than my previous job and I just got behind. The company did try to help, they had given me like 3 months extension where I didnt have to pay my mortgage. I did let them know I wanted to start paying my mortgage again I just had gotten behind on everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
After receiving a bill for XXXX when I am on the savers plan, now the bill is XXXX. The savers plan is supposed to make my bill XXXX and accrue NO interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt. I applied to rent from the original company but NEVER met the qualifications. I did not have a co-signer, did not have enough in saving, had no rental history. I never was given nor signed a lease because I couldnt get past the application for approval because I didnt meet requirements. Months later this was placed on my credit report and I have been fighting it since 2018. I have had ZERO communication from National Credit Systems. I have sent countless emails and mailed them a Debt Validation Letter- I have received NO reply! I am now trying to purchase a home and this-the one and only blemish on my credit report, is hindering the financing approval. I am hoping the CFPB can help get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed an account for XXXX XXXX on my credit report that is reporting an incorrect balance and an incorrect and incomplete payment history. I requested documentation to prove this information and did not receive anything. Yet, the credit bureau is still reporting this account with incorrect, incomplete and unverified information on my credit report. This goes against the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
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:
on friday XX/XX/XXXX i tried to unfreeze my credit report at experian to apply for a new credit card. I tried to log in to my account but then discovered that someone had changed my account to their email and phone number and password. 

It took me hours on the phone to get help but know one was willing to take accountability on how or why this happened. It was a phone number and email that were never owned by me. 

someone had hacked my account and they had no clue how to resolve or how it happened. 

I was able to regain access however it's unclear what prevents this from happening 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-01-05
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
hello. I have a problem with Venmo, I have used it for several months, and suddenly they frozen my account, when I contact them they ask me to send my ID to unlock the account, I sent it and still they told me that they blocked it and that they reserve to say for what reason it was. I have already sent several emails and Venmo 's response is totally negative, and they will hold my money for 180 days. It is something totally unfair and without explanation. Several people have already had this happen with the Venmo service. The money is a total of XXXX. I was just synchronizing my Venmo account with my Physical bank and they blocked it. I don't see any violation in that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX transactions using my card, PIN, account number, and routing number were executed while I was at work. Camera footage reveals my whereabouts and activities as well as the perpetrator at the time. This case is very straightforward and apparently my money isn't safe with Chase even with a new account. I was promosed a thorough investigation when I just want my hard earned money back. They never catch these perpetrators no matter how brazen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and 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 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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX debt was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and 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 2022-10-13
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, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
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:
As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( XXXX, XXXX and Experian ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law.
Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. XXXX, XXXX and Experian are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.

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 2023-11-22
Company: Paypal Holdings, Inc
State: VA
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:
PayPal XXXX XXXX XXXX have engaged in anticompetitive behavior & claims an amount owed to them which is not valid & violates the Fair Credit Billing Act

Company response to consumer: Closed with explanation