BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I keep on escalating this issue to all credit bureaus, concerning these closed accounts that were tagged as negative and late payment, and I havent received any updates nor seen any changes from my credit report until now. These accounts were supposedly deleted. I have filed an Identity theft before and have sent them copy of it but I received NO resolution from their side.

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 2023-11-17
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:
This is XXXX 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 response to consumer: In progress
Consumer complaint received 2023-01-27
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX my social security was deposited into my chime account I had moved it from checking to my XXXX XXXX XXXX. I received a XXXX security alert saying someone was changing phone number to my XXXX to take care of securing my account before I could log in they changed email and password which I couldn't recover then locked me out of XXXX which was changed as well I couldn't recover account then I searched for phone number to XXXX and the number XXXX search results gave a phone number I called they answered XXXX  support I explained they remotely was in my phone and went to XXXX  pay which XXXX was linked to and went to my bank account and transfer money back into checking and then paid themselves from my account.i notified chime and they denied claim said I was apart of it but they never notified me that there was a transaction for XXXX was I trying to pay this person. So right in frt of my eyes it was gone and they won't give it back and I'm afraid it will happen again.. XXXX XXXX XXXX email all cards and no help they made fun of me crying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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  Account # 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

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  account # 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
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 XXXX

Company response to consumer: In progress
Consumer complaint received 2022-06-07
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXXXXXX  You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681 et seq. for unlawfully obtaining my [ XXXX, Experian, and/or XXXX ] consumer report on { XX/XX/XXXXXXXX  } without my authorization or a permissible purpose under the FCRA. See 15 U.S.C <> 1681b. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681c of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), Chester v. Purvis, 260F, Supp, 2d 711 ( S.D. Ind, XXXX ). 
I have not initiated and transaction with [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand. 
Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.

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 2022-09-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX - Was refused customer service records ( by XXXX XXXX # XXXX ) unless I had a subpoena. Also - when I asked about what company audits XXXX XXXX XXXX  ), was refused that information and was refused Employees Name and ID number. This all had to do with a loan repayment that XXXX failed to allocate correctly. As this was the XXXX time I have had to call about these payment problems, I was looking for answers. My XXXX XXXX has been affected because adequate funds were provided to XXXX, then did not allocate them correctly and sent money back to refinance company when money was still owed on loans. XXXX  never contacted me about the allocation being incorrect. Waited XXXX XXXX and then stated the loan payment was past due. Placed call to XXXX to find out how this happened and was told XXXX  should have corrected this issue and allocated funds so loans would be resolved. XXXX XXXX later I start getting calls from a collection agency saying they are calling for XXXX. Since XXXX I was paying the interest on our daughters loan. Every XXXX I paid more than was required and every XXXX XXXX or so I would get notice that there was a payment that was late. When XXXX was called, they said because I did not provide loan numbers, even though there was an excess of money, funds were not allocated correctly. I changed the way I pay, added loans numbers, same problem. This time it was because the loan payments were set for the XXXX and XXXX and I was only paying on the XXXX. I had many phone calls and asked for help with this many times and were always assured XXXX would take care of the problem and our payments would be handled correctly. They were not handled at all, the same mistake was made over and over again and my daughter and I are the ones penalized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried several times to have fraudulent student loan removed from my name. It is removed from my credit report, but yet MOHELA still will not take action on this student loan. I have sent in all documents, along with police report and signed ID theft affidavit that I signed in front of a notary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX refused to remove the negative, item, that's fraud last, four of account XXXX it shows 60 days late i, filed a federal trade commission identity theft report on file my social security number is XXXX, and also, experian theirs two, negative items that are fraud and trans unio their are three negative items I filed a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these adverse items

Company response to consumer: In progress
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/XXXX I phoned in to capital one to make payment arrangements as I was sick with the flu and out of work for one month. Payment arrangements were made on both accounts that I have with them. I specifically concentrated in the account ending in XXXX due to the length of time a payment was not made. I was sent an email confirming that no payment was necessary on XX/XX/XXXX. The payment was now due on XX/XX/XXXX. I received notification on XX/XX/XXXX that a late payment was recorded on my report with regard to this account. This is NOT the first second nor third time that Capital one has incorrectly reported late payments to the credit bureau concerningcmy accounts. At this point does capital one need to be taken to court??? It's absolutely ridiculous. Not only did this affect my report but my husband is an authorized user and this gas decreased his score XXXX points!!!! It's absolutely unacceptable. I want my report updated correctly and my account monitored by corporate. There's no way in XXXX this happens repeatedly. I want it corrected like yesterday! I had plan 's on purchasing a new car on valentines day with a now XXXX point decrease!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: FIRST PORTFOLIO SERVICING INC
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I received a " First Access Application Response '' PDF from First Access denying my credit card application due to a XXXX XXXX XXXX of XXXX. However, I provided First Access with my social security number, allowing them to access my credit report, without receiving any benefit from their services. This is particularly concerning given that I received another email on XX/XX/2023, from a different company, also denying my credit card application based on my XXXX XXXX XXXX, which was reported as XXXX. The substantial discrepancy in my XXXX credit scores reported by these XXXX companies within a ten-day period raises serious concerns about the accuracy and integrity of the credit reporting process. 

These repeated denials and inconsistent credit score reporting have caused significant financial damage, jeopardizing my ability to access credit and build my financial future. Moreover, the emotional toll of these rejections has negatively impacted my mental and social well-being. As an individual striving to build an art community, I feel disheartened and exploited by these unfair practices.

I request your immediate attention to this matter and urge you to investigate the discrepancies in my credit score reporting. I believe I am entitled to compensation for the financial and emotional harm I have endured due to these inaccurate credit reports. 

Thank you for your time and consideration. 

All rights reserved, without prejudice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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 XXXX account # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX  : XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX  XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX inquiries 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 in account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Requested investigation of public records on all XXXX credit reporting agencies, XXXX, TransUnion, XXXX. 
Court clerk- Public record shows both bankruptcy were filed but never processed & cases dismissed. Unable to validate person making cases. 
Public information listed on court records but no proof that it belongs to me. Talked to court clerk & stated information listed can be anyone with the same name or social security number. No information is verified as to the correct identity of the person. 
XXXX get all their info listed in public records with no of identity validation. 
XXXX, XXXX XXXX TransUnion all state they take the statement of XXXX as their proof.

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 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
company is reporting an account that does not recognize its authorship and contains dates and values that I never used or recognized in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX  XXXX auto finance when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX  should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXXXXXX XXXX  dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX viXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation