BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: LFG Data Services Holdings, LP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I declare that my identity was stolen and used by frauds. I kindly requested to submit a dispute on these accounts, but several time got a response from XXXX that the letter is not coming from me even though I attached all my personal documents. I also tried to explain it to them via call, but even the supervisor I talked to refused to accept my concern. Please pay attention to this, I have also provided this information to other bureaus XXXX and XXXX, they received my documents and already deleted all the fraudulent accounts while XXXX is still refusing to accept my documents, saying that someone else is sending these documents without my knowledge. 

Fraudulent accounts : Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/2018, I was alerted by XXXX that CHASE CARD obtained a copy of my XXXX Credit Report. This was not unauthorized by me and I have disputed this with Chase before this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: WI
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:
While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquires : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, to produce a contract between you and I, Consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have within 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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.

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 2022-12-17
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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.

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 2022-11-27
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: Information belongs to someone else

Complaint:
Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. I am a United States XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and served with honors, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the DA until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.

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 2023-04-28
Company: EQUIFAX, INC.
State: MS
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 96 INQUIRIES ON MY CREDIT REPORTS THAT ARE UNAUTHORIZED. SOME ARE BELOW. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, PLUS MANY MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law 15 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: M&T BANK CORPORATION
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: Account status incorrect

Complaint:
To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-07-26
Company: Grain Technology, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied and got a great offer. I accepted all documents and conditions. It came to verify my identity and It asked for my SSN. I put my ssn in correctly and it logs me out in an instant. I tried this for a couple days and even on my sisters phone tried to log in. Didnt work just logged out instantly. This time I put in my SSN with one number off and it let me pass. I get to the page where I review and sign my offer, its asking me to verify my identity and make sure I put in the right info.. I corrected my SSN, guess what? It logged me out AGAIN! Few hours later I log back into the app and this time I havent put in my SSN its asking me security questions about my pasts like what car Ive had and where Ive lived. Ive answered those and it said they will contact me by email if Im verified. And got logged out instantly. Now I tried to log back into the app and its not even letting me click on verify my identity I believe its from trying to make duplicate accounts. I need actual help. Resetting my phone and etc wont help I tried that a million times and Ive gotten generic responses from you guys. Which never helps because Im sure everyone resorts to resetting their phone if it start acting up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law XXXX5 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.

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 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
I was defrauded in the amount of {$9900.00} in my Bank of America account # XXXX in six transactions from XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX, I was contacted by an individual claiming to be an employee of Bank of America XXXX He was calling from the same phone number that was on the back of my Bank of America debit card ( and he reinforced that point ) and that there was fraud activity on my account that needed immediate attention. He indicated that I needed to move money to this fraudsters account so they could actively pursue this individual and press charges against him. 

Per there recommendations, I moved money via Bank of Americas XXXX app, and it seemed very legitimate since this individual was calling from a Bank of America phone number and never asked me to give out my bank account number or information. 
The same individual called back on XX/XX/XXXX and said that several other money moves would be made, but these were normal to pursue this fraud, and all money would be credited back to my account within 7 days. 

After figuring out that this may be fraud, I called Bank of America fraud department on XXXX  directly and they opened a claim for me. The claim # was XXXX ( and was also referenced case ID # XXXX on the phone ), and they said the individual that opened that account was from a XXXXXXXX XXXX ( account number was not given to me ). 

I also opened up a local police report here in Oregon ( case # XXXX ) with XXXX XXXX XXXX XXXX ), but he said that nothing would be done on their end. 

On XXXX I received notification from Bank of America via email that my claim was denied and the funds were non-recoverable. 

My complaint is against Bank of America ( as well as XXXX XXXX  ). These banks are the parent companies of XXXX and are clearly not doing enough to protect consumers, vet existing customers ( that are opening accounts as fraud ) and recover fraudulent funds on behalf of customer ( that are their own customers ). This is just wrong.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After extensive review of my credit report, I noticed there are errors on my credit report. My consumer report will be in accordance with the written instructions given by me and I demand my report to be updated accordingly. I am aware that accounts placed for collections or charged to profit, and loss shall be excluded from my consumer report, as a result, I have not received a 1099-c from furnishers, so that I may file this charge off as income. Due to the negligence of data furnishers and Transunion, I will be filing a form XXXX of this fraud with the Federal Trade Commission and XXXX XXXX XXXX XXXX XXXXXXXX concerning the tax fraud. The companies have reported fraudulent activities on my consumer report when all these accounts were prepaid the moment, I gave the company my application with my signature. My consumer report does not include a report containing solely as to transactions or experiences between the consumer and the person making the report. I know of no late payments on any of these accounts. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to my knowledge.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: OH
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 been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud

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 2022-11-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account with XXXX XXXX and XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified. This is my third attempt to get this account removed from Equifax due to not being able to accurately and thoroughly verify this account. I have received no proof that this account is actually accurate. My FCRA rights has been violated due to the inaccurate information being reported and I will seek legal action per violation if this account is not deleted immediately from my credit report!

Company response to consumer: Closed with explanation