BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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: Closed with explanation
Consumer complaint received 2022-11-01
Company: SYNCHRONY FINANCIAL
State: GA
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:
Someone went to BrandsMart and open an account in my name on the XXXX of XX/XX/2022. I was alerted by receiving a letter in the mail on the XXXX of XXXX from Synchrony Bank that they required more information to verify my identify. I immediately call them at the XXXX to informed them that I did not request any credit product. They informed me that they will close out the application. I then went to check my credit report to see if there were anything about this account on my report. I found that there was a credit card on my report that I did not authorize from a creditor name XXXX with the account # XXXX. I immediately contacted this company at XXXX to informed them that I have not applied for any credit with them. They informed me that someone did apply and was approved for {$5000.00} credit limit which {$3200.00} was used to purchase items from BrandsMart. I informed them that I did not purchase anything from BrandsMart or authorized anyone to purchase anything in my name. They informed me to contact BrandsMart because that is where the application came from. I went to BrandsMart and spoke to XXXX XXXX XXXX the General Manager, and he informed me that it was nothing he could do and that I need a subpoena for him to discuss anything about the account with me. I immediately went to file a police report for fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX After filing this report this report i then call XXXX again to informed them that I had filed a police report and that I will be seeking legal remedy if they don't remove this from there record and remove this account from my credit report. They informed me that they will mark it as a fraud account, and they will be contacting the three-credit bureau to remove it from my credit report and that I will be receiving a affidavit from them by mail within 5-7 days. I have not received anything from them or any removal from my credit report of this account. I do have the recording of the conversation.

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 2022-11-01
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 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 2022-11-01
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:
Please do not close this complaint. This dispute is unrelated to complaint XXXX. XXXX and Equifax were not listed in the previous complaint. 

I am filing this complaint against XXXX and Equifax for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that XXXX and Equifax have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
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:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
I noticed that XXXX, XXXX and Chex Systems Inc were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( XXXX, XXXX and Chex Systems ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts.

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 2023-01-05
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. Equifax is reporting 3 XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. The account have been charged off since JanuaryXX/XX/2018. I have requested this consumer reporting agency to remove these accounts and they have refused. 

15 U.S.C 1681 section 602 A states I have the rights to privacy. 
15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports. 
15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement It has been over 30 days without any response from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-05
Company: Experian Information Solutions 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:
XXXX, XXXX, Experian heretofore ( XXXX  ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX  ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.

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 2023-02-05
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:
XXXX, Transunion, XXXX heretofore ( XXXX ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( XXXX  ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( XXXX  ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( XXXX  ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the National Bank Act ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( XXXX ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( XXXX ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( XXXX ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.

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 2023-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery Associates located at - PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount {$2800.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This credit card had a negative balance. The minimum payment of {$25.00} was paid monthly regardless of whether the card had a balance. A charge was made leaving a new balance of @ {$60.00}. Unbeknownst to me, the minimum payment suddenly changed to {$40.00}. I had lost the sign in and with paperless billing could not even see what happened. Since that time, they have been charging a {$40.00} late fee every month, and lots of interest. I wrote asking for a resolution as, between being unable to access the account and having COVID, I was unaware that they wanted another {$15.00}, and they did not even respond. Now they are claiming I owe them {$290.00} on an outstanding charge of less than {$40.00} which has been paid many times over since that time. This is an appalling abuse. They refuse to even correspond to let me know what can be done to resolve this, short of giving them {$300.00} I should not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief