BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Fair Credit Reporting act XXXX, Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-24
Company: Associated Credit Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. - The account in question was not a credit account, but a brokerage account and which XXXX XXXX, closed on XX/XX/2022 at their sole discretion, with a positive balance and illegally retaining assets for weeks after. 
2. - The positive balance was refunded days after leaving a XXXX BALANCE. 
3. - There were no charges pending at all, after the balance was transferred out of the Brokerage firm, and the a legal procedure with the authorities is in place now against XXXX XXXX, as well as complaints filed with XXXX on XX/XX/2022 ; and the Chairman of the Securities and Exchange Commission, on XX/XX/2022 with the XXXX XXXX XXXX, in addition to the litigation in place for damages to me as account holder. 
The collector is sending repeated letters trying to collect amounts I clearly dont owe, is a violation of the FCRA & FDCPA, and other civil codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
n accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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: Account information incorrect

Complaint:
Hello and to whom this message may concern, The credit bureaus ; Transunion, XXXX, & XXXX stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX XXXX XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

TransUnion has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

XXXX received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue XXXX or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.

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 2022-12-05
Company: JPMORGAN CHASE & CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : XXXX XXXX XXXX XXXXXXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy and be secured in my property. As living beings, we do know and defend our unalienable rights at all points in time and are willing to express those rights if need be. 

" A loan may be defined as the delivery by one party to, and the receipt by another party of, a sum of money upon an agreement, express or implied, to repay the sum with or without interest '' XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX. Also see XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and United States v. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 

The word 'money ' in its usual and ordinary acceptation means gold, silver, or paper money used as a circulating medium of exchange ... XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX " A promise to pay can not, by argument, however ingenious, be made the equivalent of actual payment ... '' XXXX XXXX XXXX, XXXX P XXXX, XXXX Utah XXXX. 
" A bank is not the holder in due course upon merely crediting the depositors account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX A statement is a document outlining all outstanding unpaid invoices. Unlike invoices, statements are typically sent or made available at certain intervals. Statements are traditionally informal. They're used primarily for informational purposes because a customer may pay an invoice while a statement is in transit. A statement of account is not an invoice.

An invoice is a formal document outlining amounts owed, details about the transaction, cost per hour or unit, and more. Invoices also typically outline payment requirements.

Chase has been using the USPS to send financial statements of account coercing me to pay an unlawful debt when they were credits on the account from my social security trust account that I am the custodial trustee holder and beneficiary. The initial indorsement of my signature literally paid for the consumer transaction to be funded ( Cf. 12 USC 412 ) and what was occurring is, credit of account, growing interest to which, I am due yield on the investment ( Cf. 26 CFR 1.148-5 ). As a result, statements always come in a positive amount and not in any negative amounts, as federal reserve notes are only promissory notes ( promise to pay ). Chase unlawful took money from me and illegally repossess my vehicle when there was never a bill due and violated their fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 2022-09-24
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Account status incorrect

Complaint:
XXXX of XXXX account was setup through XXXX XXXX Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX XXXX Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
I have filed an identity theft report because someone has used my identity information ( name, social, phone, etc to open accounts in my name. They have also opened a XXXX XXXX XXXX  account with my information and a different address. I have spoken to the XXXX XXXX XXXX XXXX XXXX XXXX on several occasions. They have been helpful but there are still fraudulent accounts coming up on my credit report. I put a freeze on opening any new accounts

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 2022-09-24
Company: EQUIFAX, 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 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 explanation
Consumer complaint received 2022-09-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After discovering this debt with TD Bank XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Possible Financial Inc
State: CA
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: Investigation took more than 30 days

Complaint:
After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-05
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-07-04
Company: EQUIFAX, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Please remove it from my credit report. 

11. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: LA
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2022-07-29
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:
I received a copy of my credit report and found the following item to be a Violation of my Rights. 
XXXX XXXX  - # XXXX amount {$3600.00} HIPPA laws do not allow my doctor or health care provider to share my medical files without my consent under a HIPPA release I do not know this company or ever had business with them. This company contacted me. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, therefore by providing me with my medical information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible. for reporting violations This account is : Violation of my HIPPA Rights Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has also 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 This account has been removed from XXXX and XXXX due to many violations Equifax states this account was verified as accurate. I am requesting the information below and ALL the information that was provided to Equifax 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. Provide 1099c and credit insurance or delete ; 3. Provide original signed contracts with me and XXXX XXXX or delete ; 4. Provide payoff disclosures, interest rate disclosures or delete ; 5. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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