BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: CA
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
Company: Affirm Holdings, Inc
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from Affair on XX/XX/XXXX regarding my billing address being updated and adding a XXXX XXXX XXXX XXXX As I did not recognize the action, I decided to call and confirm what was happening. I was hit with the news that I had requested a loan to pay a vendor by the name of XXXX XXXX. I was beyond surprised and immediately advised them to stop everything as this was not me. They explained that they would investigate and stop all processing. According to them I would hear back within 3-5 days. I called back XX/XX/XXXX to confirm that the loan was not processed and that the investigation was still running its course. However, I was hit with another shock, the loan was processed and funds were sent to the vendor. I asked why this happened if I had called and requested a cancellation/stop as this was 100 % fraud. The person on the phone explained that although the investigation was opened it was also closed on the same day without an outcome. The account was also supposed to be locked but that also did not take place. Their excuse was that this person did not know what they were doing. After I expressed my frustration and requested to speak to someone else, I was told by this person that they didnt have a supervisor as they were the supervisor and they stopped speaking but remained on the line. No matter how much I spoke they remained silent. I disconnect and called back, I spoke to a supervisor to try and understand why this loan was still processed and what were the next steps. He said he couldnt verify me because I couldnt verify the email on address ( which was changed by whoever attempted to get this loan ) but after placing me on hold, he came back and said that he was able to confirm that an investigation was opened on XX/XX/ and that it could take up to 30 days to complete. I asked what would be the impacts to my credit if this fraudster decided not to pay and he didnt really answer. After I began expressing my frustration to the fact that they allowed this loan to process despite being told that it was fraud, this person disconnected my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
There are hard inquiries showing on my credit report that I did not give the company approval to pull my credit report for, and its greatly effecting my crefit rating. I had or have no knowledge of these hard inquiries, this is not of my doings and I want these hard inquiries removed from my credit report. I tried to do an online dispute for these hard inquiries with XXXX, but it directed me to call them instead and I did on Monday, XX/XX/2023. XXXX started the dispute process and I received an email advising that the next step is to file a fraud identity report with an agency such as yours. I did not request, or give permission for these companies to pull my credit report, and I have no idea who did this, I feel that someone else is trying or have tried to get credit in my name.

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 2023-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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  : # XXXXXXXX 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. NOTICE : XXXX, XXXX, and Transunion are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these XXXX reporting agencies. This IS a direct threat against EVERY customer/client of these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Bureau. THEREFORE I AM A VICTIM OF DATA BREACH BY THE CREDIT REPORTING AGENCIES CALLED " TRANSUNION XXXX HOLDINGS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX '', THROUGH OUR INVESTIGATION, I HAVE NOT GIVEN WRITTEN CONSENT TO ANYONE TO SELL OR DISTIBUTE MY CREDIT INFORMATION. THESE ACCOUNTS ARE TO BE REMOVED DUE TO THE LISTED VIOLATIONS ABOVE!

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 2023-06-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX XXXX is the only address Sincerely, XXXX XXXX ll

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately remove each and every last one of them from my credit report.

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 1692C 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.

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 2023-06-06
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:
I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

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 2022-12-06
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received a XXXXXXXX XXXX XXXX from Chime in my name. I received a text to XXXX XXXX XXXX  cell that the card had been delivered. I never asked for this card and had never heard about Chime before. On XX/XX/XXXX I called the phone number on the card and were asked to give personal identifying information ( last XXXX # XXXX XXXX XXXX XXXX XXXX, etc ) before they would even talk to us. Eventually they said this was identity theft and said they would send me an email. I was given a ticket # XXXX. I never received an email. On XX/XX/XXXX I called again and had to repeat the entire process again. I tried to give the ticket number telling them there was already a case report but they refused to take it. I asked to speak to a XXXX XXXX XXXXXXXX ) who also refused to take the ticket number, asked me all the personal info questions again and gave me a new ticket number ( # XXXX ) and was told again that they would look into it and send me an email. I still have not received an email. When I asked if there has been activity on this account they refused to tell me. I am concerned that this company is a fraud and now they have even more of my personal information. Their customer service workers do not understand basic XXXX and had a hard time understanding what I was trying to tell them. The phone number on the back of the card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-12-06
Company: EQUIFAX, 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$1300.00}, and XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/2020 Balance {$7900.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/ Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XX/XX/XXXXDelete this account. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/ Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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 Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account # XXXX, Account # XXXX, Account # 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 non-monetary relief