BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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:
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 4. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My phone numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the fair credit reporting act XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I recieved a fraudulent check that I didnt know it was a fraud I deposited the check and my bank decided to close my account I had 11 years with them with no problems I will like to reinstate my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NV
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 HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate

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 2022-12-11
Company: Experian Information Solutions Inc.
State: MD
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 have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked XXXX which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
XXXX is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: MD
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 have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked XXXX which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
Equifax is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I made an international XXXX transfer from a non-sanctioned XXXX bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), Value date XXXX. The recipient of the money was an American bank CITIBANK N.A. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK N.A ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond.

I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory.

1 ) They mixed up my name.

2 ) According to the attached letter from XXXXXXXX XXXX, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. 

I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: NJ
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 am submitting this complaint against Experian because I have had it with their nonsense. I have submitted 2 complaints about their unlawful reporting of a bankruptcy on my credit report. Twice they have sent responses saying I am not me AFTER I submitted confirmation that I was sending in my own disputes. I can foresee all of their stalling responses. Bankruptcy is NOT public record, it is private because I deem it to be. They will probably respond that they get the info from a 3rd party which would be false because I am opted out of all 3rd party consumer reporting agencies and have been for years. I also have had contact with the US Bankruptcy court and confirmed they DO NOT provide information to ANY reporting agencies because it is PRIVATE. It sounds to me like Experian committed identity theft but using my information to furnish a report without my permission. Before I pursue legally and seek to be compensated for their violations of the FCRA, which will and can be done before the month is over, I am demanding this damaging private information be removed. If not please expect to be served with a formal complaint. If the response is they can still not allegedly verify me, I will also move forward with a complaint. Enough is enough.

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 2023-01-09
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 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 explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
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:
According to 15 usc 1666 B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date. Law 15 usc 1666b 1. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.

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 2022-09-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX Balance : {$670.00}

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 2022-09-21
Company: Bread Financial Holdings, Inc.
State: NC
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:
XX/XX/2018 my ID was stolen adnthey got my credit and started to open up accounts on my report. The amount for this one is {$460.00} and the company name is XXXX COMENITY BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, there was a withdrawal from my cashapp acct for {$3600.00}. I did not authorize. Cashapp abated the withdrawal was from IRS. THEY SD THE DESCRIPTION WAS IRS TREAS XXXX XXXX. That is the same as the IRS stimulus payment. I called the IRS and they did not have record of me owing a debt. They also stated that they would not debit my account without me authorizing. I called the dept of treasury, they did not have record if me owing them. They also stated they would notify me in writing first and that they only offset tax returns. I called the XXXX office of fiscal affairs. They stated they did not deduct anything from my account. All of them stated that they do not make deductions from bank accounts unless they have a lein to do so. I advised cashapp. They told me that the XXXX was trying to reverse NY XXXX stimulus payment for XXXX. Again..the IRS does not have record of such transaction and that they could contact me first and would only remove amount from my future returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: IL
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 has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the 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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XX/XX/2022 I sent in a request for all three of the credit bureaus to confirm if the information is correct on my credit report. But once I sent out my letter asking them to confirm if the information is correct on my account I received a postcard from them. The postcard from TransUnion stated proof of address unacceptable reasons number four and three one or more of the documents was too old please see the time frame listed below one or more of the documents was illegal one or more of the documents was not accepted to be used as proof. Then on there it says list below reason only one proof was provided to acceptable documents are required please provide two current documents from this list and it list driver 's license bank statement XXXX XXXX cancel check government issued IDs. But still all they did was send me the postcard and did not inform me of if the information was correct on my account or not. The reason for me wanting to have the information confirm it's because I was told that there was a data breach and a few of the companies and I just want to make sure that my information was not tampered with.

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 2022-12-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was opened on XX/XX/2015. It is 7 years and 4 months old. This account has passed its limits and should be automatically removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: NV
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 HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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 acct XXXXXXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-03-06
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2022 collection agency tried to collect on a loan I did not take out with Maxlend Working with Maxlend I was able to verify I did not incur the loan- Maxlend never acknowledged this however in XXXX of XXXX received letter from collection company that case was closed Maxlend refuse to give me information or letter of apology for mixup or improper use of my social security number Ive received an I 9 from their parent company makes XXXX  XXXX XXXX XXXX XXXX XXXX ND XXXX with a disconnect phone number XXXX showing loan was discharged

Company response to consumer: Untimely response
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive tried reconcile with the credit bureaus but no one wants to help me out. I have hard inquiries on my account that I do not recognize at all. I am currently still not looking to apply for anything so I dont understand why are they there. Ive gave them evidence stating I did not give these companies to check my credit at all. 
Inquires are : XXXXXXXX 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 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