BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX- XXXX XXXX  XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$8700.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX  : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$470.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX  : {$540.00} XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  : {$450.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX {$540.00} ; XXXX XXXX XXXX  : {$7100.00} ; XXXX  XXXX XXXX  : {$1700.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$7200.00} ; XXXX XXXX XXXX  : {$7100.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2022-03-11
Company: Experian Information Solutions Inc.
State: MI
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 intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this COMPLAINT with CFPB as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Identity Theft Fraud Accounts )

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 2022-03-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I've told this company multiple times to remove the late payments from my consumer report and they REFUSE.

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 2023-05-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my credit reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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:
I wrote the company and I just reread the information in writing and they still asked me to send an ID and Social Security card but the information got deleted from XXXX XXXX and XXXX XXXX XX/XX/XXXX which is wrong we have fresh finger hair in I also sent the company a police report on explaining that it was identity theft and from an individual with the same common name because my name is a very common name in XX/XX/XXXX on XXXX  XXXX XXXX was removed andXXXX XXXX, 2021 XXXX XXXX XXXX XXXX was deleted from XXXX XXXX and also aqua fax home in the file idea XXXX I would like a update To my credit profile and delete the incorrect information that can not be verified my signature on it youre not at itemization data sheet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX 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 2023-06-17
Company: EQUIFAX, INC.
State: TN
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 disputed some accounts a liitle time ago when i check my credit report again and seen some more accounts that did not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: GA
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:
Every summer I go on a trip to XXXX XXXX to visit family and friend and XXXX months ago, I went on a trip to XXXX XXXX for vacation and since I spend half of my time there and of the international fees I decided to open an account with a local bank there ( XXXX ) and stop using my Wells Fargo debit card. I left on XX/XX/XXXX and came back in XXXX and while I was at the airport I tried to my Wells Fargo debits card to call an XXXX but my card got declined so I decided to look into my zipper bag in my luggage which where I keep my debit card but I couldnt find it so I ended calling a friend to come pick me up and when I got home I saw a Wells Fargo letter saying my account is close. I immediately went to the nearest Wells Fargo branch and a lady told me my account got closed because I didnt have enough money in it for a certain period of time. I paid the money I owed which was XXXX dollars and opened a new account I asked the lady if I can see my old account summary but she said once an account is closed Wells Fargo cant go through it no more. I went home that day and call IRS to track my taxes and realized my XXXX XXXX dollars check has been deposited in my account since XXXX. I called Wells Fargo bank again and talked to a guy named XXXX he told me he has checked my account and said all the money has been withdrawn at an Atm around the XXXX of XXXX which was XXXX dollars. He asked me if I wanted to open a claim I said yes and ended up opening a claim. XXXX week later I received an email saying my claim has been resolved and that I should be receiving a letter and since I didnt receive nothing I called again today and another guy name XXXX XXXX me my claim go denied, and told me they believe the transaction was made by me or someone authorized by me. I am currently out all my savings Im a single parent i also I have XXXX kids to take care of and my youngest is still a baby and I have no idea what to do right now.

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 2019-12-23
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2019, I sent a money transfer to my mom in XXXX via Western Union. I sent a total of {$150.00} ( US Dollars ) to be received in US Dollars. My mom went to pick up the money at 4 different Western Union locations and none of them wanted to give her the money in US Dollars, they all wanted to give her Soles ( XXXX 's currency ), supposedly because they didn't have any dollars available. My mom gave up and accepted the Soles only to find out that they gave her an exchange rate of 3.10 but the local exchange rate is currently 3.32, so she received a total of XXXX soles instead of XXXX soles. This is a difference of XXXXsoles, which is about {$10.00} ( US Dollars ). When I received the notification that the money was picked up, it said they received {$150.00} ( US Dollars ) which is a lie since they received Soles not Dollars. Now, {$10.00} to me is not much, but it is a lot of money in XXXX and this was a Christmas gift that the agent in XXXX stole from my family. Also, I paid {$11.00} towards fees for this transfer, so in reality, I paid {$21.00} in total fees after this whole mess. I put a complaint with Western Union and after over a week of " investigation '', they called me to say the agent showed proof they gave {$150.00} ( US Dollars ). Unfortunately my mom lost the receipt so I have no way of proving they are lying but I still wanted to put the complaint because this is just so unethical. My family and I have been using Western Union for many years and this is the first time we ever put a complaint against one of their agents, and it was very disappointing that they will not do anything for a loyal customer and let these agents get away with this kinds of acts that are giving them a bad reputation. My family and I will not be using Western Union again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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 matter must be resolved asap. these items are on my report due to identity theft/fraud. per 15 usc 1681b you all are breaking the law by furnishing this information without my permission.

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 2022-12-15
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2016-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing inaccurate collection account listed on my Experian credit report. The inaccurate/fraudulent collection is from a company called 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
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute for Account Opened Fraudulently Dear Transunion Dispute Department, I am writing to dispute an item on my credit report that reflects negatively on my credit history. The account in question was fraudulently opened, and I believe this information is inaccurate. 

- Name : XXXX XXXX XXXX - Account : XXXX XXXX XXXX XXXX  - Account Number : XXXX I recently obtained a copy of my credit report from Transunion and noticed an account that I did not open or authorize. This account is negatively affecting my credit score, and I have reason to believe that it was opened fraudulently without my consent. 

I am formally requesting an investigation into this matter to correct the inaccuracies on my credit report. I kindly request that you : 1. Conduct a thorough investigation to determine the validity of this account.

2. Provide me with any information related to the account, including the date of account opening, the name and contact details of the account holder, and any supporting documentation.

3. Remove this account from my credit report immediately as it is a result of fraudulent activity.

I have attached copies of supporting documents that may assist in your investigation. 

Please inform me of the results of your investigation once it is completed. You can reach me at ( XXXX ) XXXX or via email at XXXX to provide updates or request further information. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. I am committed to ensuring the accuracy and integrity of my credit report. 

Sincerely, 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 2022-10-26
Company: EQUIFAX, INC.
State: MO
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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They have listed on my Credit Report that the debt was incurred in XX/XX/XXXX. 

This is impossible since I have not been a member of XXXX XXXX XXXX California since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-01-21
Company: CCS Financial Services, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit collection services is reporting inaccurate information to the credit bureaus regarding my credit report without giving me any validation or sufficient information regarding the alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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