BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Credit Technologies, 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 CREDIT TECHNOLOGIES, has violated my rights. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, and in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: VW Credit
State: NY
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 an FTC report and police report. VW credit has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( VW credit corporate ) a notarized affidavit of Truth. She is refusing to remove it. VW credit broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED VW CREDIT TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and noticed my credit was pulled by XXXX. I never used this company for any services or applied for a loan with this 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 2021-08-25
Company: EQUIFAX, INC.
State: IL
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 have the following unauthorized inquiries on my credit report and they may be fraud related : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are inaccurate and in violation of my consumer rights.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, Thank you for service. 

This complaint is concerning a XXXX XXXX credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as XXXX. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to TRANSUNION ONLY as CLOSED, PAID IN FULL by XXXX XXXX and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? XXXX XXXX never sent me a 1099c. 
15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX Veteran Home Purchase. I am demanding that XXXX XXXX remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, 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
Consumer complaint received 2022-07-12
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 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 explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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 XXXX XXXX Bank # 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 2020-06-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Upgrade, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made two purchases for {$300.00} on XX/XX/XXXX from a vendor, XXXX. I never received the merchandise. XXXX issued two {$300.00} refunds on XX/XX/XXXX. Upgrade processed one refund of {$300.00} on XX/XX/XXXX, and charged the credit card for {$300.00} on XX/XX/XXXX. I called Upgrade this morning and spoke to XXXX XXXX. She said they did not process the second refund because there was incoming activity on the card. I dispute that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from navy federal credit union on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquires on my consumer report that i do not recognize. 
The problem is after dispute of these alleged items e-OSCAR in return replied with an ACDV Automated Consumer Dispute Verification. 
My other concern is i am the consumer and by law you do not have permissible purpose to furnish anything on my consumer report without my consent. 15 USC 1681b Which i have not given. 
My identity and my privacy by federal law are to be protected and your corporations is in assistance with the violators not protecting consumers rights.

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax announced a security breach of some of their databases resulting in millions of people having their information made public. On X/X/17, I went to the website they provided ( equifaxsecurity2017.com ) to determine if I was affected. Upon entering the last six digits of my social security number and my last name, I was informed that my information could be compromised. I clicked on a button to enroll in one year of free credit fraud monitoring with XXXX XXXX XXXX and was given a date to enroll ( X/XX/17 ). 

I found out later that by enrolling in their program, I would be eschewing my right to sue Equifax or be part of a class action lawsuit against them as part of this security breach. I was not provided an opportunity to consent to this explicitly. 

I am incredibly disappointed in Equifax for their lax security as well as their response to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: I.C. System, Inc.
State: MO
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 C System is reporting false information on my credit report. Not my account ; I have asked for proof that we have done business, and I haven't received anything back. It's been over 6 months.

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 2018-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to chase bank in person to check out a company before I sent a wire transfer for {$6500.00} onXX/XX/18.. I asked bank mgr. vp XXXX XXXX, I asked specifically If XXXX   has any red flags associated with it, she typed into her computer & said no it all looks good, no red flags ... .So I figured if the bank found no red flags, no scams associated with XXXX , I would go ahead with money wire, which I did..my husband XXXX also called me when I was in the office with the VP, I repeated no red flags with XXXX XXXX, it's a go, we are doing transfer now.The money was supposed to go into an escrow account till delivery of RV, on tracking # said 5 day delivery, which I would have 5 days after delivery to inspect before funds were to be released. It was complete fraud, which we found out on sunday nite XX/XX/XXXX18 We immediately called the police & the bank next..about XXXX ... Bank said they could not do anything till XXXX call back then, which I did, said they would text XXXX XXXX for a retrival, no avail.money was taken out right away, account still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
XX/XX/2022 I reviewed my dispute results online and the 2 accounts that I disputed were verified as accurate. On XX/XX/2022 Experian received another letter dated XX/XX/2022 challenging the 2 inaccurate accounts that they continue to report despite that they are not accurate. I did not receive any results from that investigation. That is a violation of the FCRA as well, just the fact that they didn't send any investigation results. XX/XX/2022 I mailed a third letter dated XX/XX/2022 in regards to the same two accounts because Experian is in serious violation of U.S. Code 1681a ( e ) as well as 15 U.S. Code 1681a ( 2 ) ( B ). In the past I have filed a complaint on Experian and they would not corporate with this bureau because they said they didn't have authorization. Well, I am not a third-party or a credit repair company. I am an educated consumer and I give Experian permission to correspond with the CFPB about 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 explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGED DEBT CAN BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.

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 2022-08-05
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that  they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently complained about this same issue of XXXX XXXX trying to collect on a debt that is over 10 years old.  Since the previous complaint ; they have now sold this account to Enhanced Recovery Company stating this is a new account. 
I have not opened an account with this company and this was removed prior because XXXX XXXX sent it to another recovery company. This should be illegal for them to continue to sell old debts to Collection agencies. This was removed off my credit report earlier this summer and now it is back on here again. It states that between XXXX XXXX, 2019 and XXXX XXXX a new account in collections was added to my credit report. I need this removed from all 3 credit bureaus due to this is an old debt over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
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:
experian, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

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