BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: DE
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 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 2022-12-08
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: Information belongs to someone else

Complaint:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : XXXX XXXX XXXX XXXX opened XX/XX/2019 - Acct number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - Acct number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - Acct number XXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022 I sent an international wire transfer to mainland XXXX and requested the money be sent in USD. I've done this type of transactions several times from the same branch and never had a problem delivering the amount sent in USD to the receiver. Only this time, the transfer was sent around XXXX after the cutoff time for same day process. Now we know that when a transfer is sent after the XXXX XXXX it can't go out in USD, the banker that helped me didn't know that and advised me not to worry, when I questioned him about exchange rate that showed on the receipt he gave me. He said that's how it is on all international wire transfers, the system shows the receiver hometown currency. I took his word for it. Then when the receiver got the transfer it was short {$750.00} of the {$19000.00} I sent and was expected by the receiver. 
I went to the bank for clarification and couldn't get a direct answer, but the banker by calling around found out that the money was converted in XXXX XXXX dollars then back in US dollars because the transaction was processed after hour. 
This was a Chase to Chase transfer. They couldn't figure out nor decide how to either cancel and resubmit the order or credit me with {$750.00}. I ended up sending another transfer for {$750.00}, this time it was done right and the receive got the transfer in USD. 
I just want {$750.00} credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date opened XX/XX/XXXX Last Activity XX/XX/XXXX XXXX this collection was paid off settled- Less than full balance Collection Agency : ERC XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: OK
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
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: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX : XXXX - XXXX XXXX  ( BANK ) XX/XX/XXXX - XXXX  ( BANK ) XX/XX/XXXX - XXXX XXXX  ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX EQUIFAX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX  XXXXXXXX XXXX  XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-12-08
Company: Experian Information Solutions Inc.
State: VA
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 these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written consent.

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 2023-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I e contacted credit bureaus and kohls  about the innacuracies. My date of first major delinquency was XXXX XXXX. They keep saying XXXX. Payment wasnt sent in XXXX and I had balance. They kept reporting I was making payments. I would like kohls to remove tradeline from credit report. Its actually been well o er XXXX  years. My next step will have to be legal action if a remedy isnt obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer. 

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system. 

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of XXXX XXXX XXXX ( a ) ( XXXX ) and safeguard the rights of consumers. 


.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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: Account information incorrect

Complaint:
I have made five payments of {$610.00} since XX/XX/2023 on a loan for {$22000.00} and only 2 payments have been reported and balance shows XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is XXXX, Credit Bureau Company.

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 2023-06-02
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:
I called XXXX and let them know they ran my Equifax credit three times on multiple days XXXX, and XXXX. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report.They need to train the staff on how to handle things over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: GA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: PA
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 reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My salary was transferred to my Wise bank account on the XX/XX/22, the money is still not available to me. Wise simply says there is a technical error and the team is working on it. No additional information is given no matter how many times I ask. All excuses and reasons are vague. They have not located my salary nor given me any progress updates. It is now the XX/XX/22 and I still don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Leif Technologies Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX - a tech training company from XXXX XXXX, California. Has granted me withdrawal status as XX/XX/2023. Yet they continue to hold my XXXX XXXX Contract with an active status and refuses to fully cancel the XXXX XXXX Contract because XXXX XXXX argued that I still owed them money. 

Now, Leif Technology, the financial services group administering my XXXX XXXX Contract will not change the status in the account from active to closed. Also, they refused to fully cancel the XXXX Contract until XXXX XXXX provide with a request to do so. 

INCOME SHARE AGREEMENT Company : XXXX XXXX  https : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-09
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted 2 disputes to XXXX in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with Bridgecrest. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. XXXX refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for Bridgecrest. On XX/XX/XXXX Bridgecrest responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my XXXX and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that Bridgrecest send to the CFPB. Obviously Bridgrecrest lied again did not correct there mistake even though they said they did. XXXX wont let me dispute the Bridgecrest account as they say I have already disputed it. I am also attaching a copy of my XXXX credit report dated today XXXX which clearly shows the inaccurate balance for my Bridgecrest account. Please CFPB look into these violations of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MBA law in Texas put a collections on my credit report without any notice from them that I owed the debtXXXX XXXX XXXX XXXX Phone XXXX XXXX. This is a medical debt I know nothing about.

Company response to consumer: Closed with non-monetary relief