BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX XXXXXXXX A, 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. ( 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 explanation
Consumer complaint received 2022-09-18
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 : I sent money via zelle to a scammer that claimed they were buying a couch I was selling. They said they deposited {$650.00} in my account, but it was over the limit. They said they had to send {$350.00} and I had to send {$350.00} back to get my funds. 
The email is XXXX that the scammer used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CCS Financial Services, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
From XXXX to XXXX my spouse and I had a small XXXX out of our single dwelling home in XXXX. We formed an LLC and used a po box for It. The po box is still on record as being a residence. Please correct this.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The names listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-08-02
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:
To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: OneMain Finance Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX. I got an alert telling me there was a new credit inquiry. I immediately logged into my XXXX XXXX account and saw one main financial was listed as a hard hit. I also saw I was approved for an XXXX loan as I investigated further i saw it was for a loan that was secured and required a car title. First of all I would never apply for a secured loan and especially for one requiring a car title how can I do that if I dont even own a car. I reached out to the company and requested it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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.

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 2022-06-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX, 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. ( 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 explanation
Consumer complaint received 2022-08-19
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
The bank is called Chime, I have a checking account with them, the question is that I carry out a transaction with a person I met on the Internet, request the services of said person, make a payment in which I was never notified that said transactions were carried out. they say that they are not refundable finish the transfer and the person notified me that he did not receive said money that he received an email from chime hey they notified him that she could not use said money because he needed to upload documents anyway I called chime they told me that it was impossible to reimburse and neither she nor I have the money in total it was {$140.00} dollars and the person was upset for not receiving his corresponding payment and I did not receive my service this was on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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:
THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT.

15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently submitted a claim with the CFPB, asking that they look into the information that Transunion is reporting. This was probably the laziest " investigation '' I have come across! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, the disputed items still remain inaccurate and unverified! I demand a reinvestigation and I do not consent to E-Oscar! Transunion obviously has no respect for my privacy! Transunion never addressed not responding to my disputes upon confirmation that they were received via USPS tracking. Transunion did not address my right to privacy being violated by XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Transunion never addressed how these companies obtained my nonpublic personal information such as my social security number and other personal details which I did not provide them with or consent to them having! Transunion did not address how XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never gave me the opportunity to opt out of consumer reporting. If I established a relationship with these financial institutions, where is the adequate clear and conspicuous disclosure notice that was allegedly signed upon establishing the relationship!? Transunion did not address how the information is inconsistent with other major credit reporting agencies. Who is right, who is wrong? If Transunion can not provide me with physical proof establishing 100 % accuracy of their reportings, they ned to delete the information! Lastly, Transunion did not address the incorrect payment data for XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, Do not delete these two accounts, just update the payment information to on-time, being that I did not miss any payments! Overall, updating information is not proof of an investigation! There were serious claims that they did not address or provide me proof of.

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 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2021 IRS has send my stimulus payment as a direct deposit to my account ending in XXXX, the account which has been closed long time ago. Today I called Capital One and this manager said to call on weekdays because apparently she can't get access to my closed account transactions on weekends. 

As you would already know from all my previous complaints I don't trust Capital One and I don't trust your phone operators at all. 

So I called again and this time a representative named XXXX - ID : XXXX picked up the call. She said " the bank has received the money and the money was supposed to be returned back to the IRS because the account is already closed but the money hasn't been returned yet and she does not know why it hasn't been returned yet. '' Then upon questioning her, the very next moment she says " Capital One has not received any stimulus payment from IRS so the bank can not return any money that the bank hasn't received in the first place. '' I asked her, " you just now said the money has come through '' and she says " no, no, no, I didn't say that. '' Then she asks me to contact IRS to find out about it and said there is nothing Capital One can do about it. 

As I have said before, I always knew money in my Capital One accounts were never safe. I am glad I have closed all my accounts with Capital One, the best decision I have ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Investigation took more than 30 days

Complaint:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and Equifax refuse to unlock my credit and refuse to accept that I am me. So, I have no way to fix this because they won't accept that I am me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has refused to delete and address that I do not live at from my file. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA 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
Consumer complaint received 2022-06-21
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXX.with no help.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY COMPLAINT IS SUBMITTED BY ME PERSONALLY. IT IS NOT INFLUENCED BY A THIRD PARTY OR ANYTHING OF THAT NATURE. PLEASE REVIEW MY ATTACHED 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
Consumer complaint received 2022-06-21
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
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. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft XXXX XXXX XXXX Account Number : XXXX you are violating my rights on reporting an inaccurate report please update this to paid as agreed 2. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverified/no data information XXXX XXXX XXXX  DELAWARE Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately

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