BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-11-09
Company: EQUIFAX, INC.
State: AZ
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$400.00}

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 2022-07-05
Company: Capio Partners, LLC
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:
I NOTICED CAPIO PARTNERS HAS BEEN FURNISHING INCORRECT UNSUBSTANCIATED INFORMATION TO OTHER CONSUMER CREDIT REPORTING AGENCIES. I HAVE NEVER ENTERED INTO A CONSUMER RELATIONSHIP WITH CAPIO PARTNERS. THIS CONSUMER/NATURAL PERSON SENT CAPIO PARTNERS A CEASE AND DESIST ALONG WITH A VALIDATION OF THE ALLEGED DEBT ON XX/XX/2022. CAPIO PARTNERS HAS NOT RESPONDED, CAPIO PARTNERS HAS NOT ADHERED TO THE FCRA LAWS. CAPIO PARTNERS FAILED TO SUPPLY ME PROPED VALIDATION. CAPIO PARTNERS CONTUNUED FURNISHING THIS ALLEGED DEBT DURING THE INVESTIGATION PERIOD NOR HAS CAPIO PARTNERS PROVIDED ME WITH THE INVESTIGATION EFFORTS. I NEVER GAVE CAPIO PARTNERS PERMISSION TO FURNISH ANY XXXX INFORMATION I DO NOT KNOW WHO THIS COMPANY IS AFFILIATED IS THIS NOT IDENTITY THEFT?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Synchrony Bank could not reach me regarding a credit card. They called my father. I have not lived with my father for decades. I reached out to them and told them to stop. Not only is my father not on the account, that is not the phone number listed anywhere on my account statement or application. This is a violation of my privacy and horrific customer service. 
It happened again last month ( XX/XX/2023 ) and as recently as last week ( week of XX/XX/2023 ). My father said they have left multiple nasty messages. I have called them TWICE today ( XX/XX/2023 ). The first agent was unhelpful and rude. I hung up. I called back. The second agent attempted to accuse my father of lying, but quickly changed course when I noted what number not to call. I once again reiterated they are to call the number provided and nothing else. She stuttered and would not reveal where they obtained my father 's information. I told them that I am recovering from XXXX and perhaps that's why they could not reach me. The agent then asked if I brought my phone into XXXX. It was an incredibly idiotic and insensitive thing to say. She claims they are sorry and have noted never to call my father again. I told her I am filing the complaint today and that if it continues I am filing another complaint. 
The document I attached shows the correct last 4 digits and email address of how they should be contacting me. None of those items is my father 's phone number.

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 2019-11-25
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted numerous requests to XXXX, Equifax, and XXXX to remove the Collections account XXXXXXXX XXXX XXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXX XXXX  XXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In 2019 my Mail Box was broken into many times and sensitive information was stolen. When XXXX XXXX  XXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from XXXX, Equifax and XXXX Credit Report ASAP as it is stopping me from refinancing my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX # XXXX XXXX XXXX # XXXX Account -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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My complaint is with Experian IdentityWorks credit monitoring and fraud detection services. 
On XX/XX/XXXX, I recieved a letter from XXXX XXXX alerting me to a data security incident they experieced that may have given access to my personal information with XXXX XXXX as well as linked bank accounts. XXXX XXXX arranged with Experian IndentyWorks credit monitoring and fraud detection services for me for 24 months. I was instructed to go to www.experianworks.com/credt and register with Experain to begin this service. 
I was unable to complete the registration as Experian sis not recognize my Social Security Number ( SSN ), I called Experialn customer service and explained my problem - a representative was assigned to assist me ; It was during this " process '' I put a stop to the " interview ''. 
After providing my SSN to the Experain Rep. he proceeded to ask for more personel information to be used to help Experian identify me. I had provided my SSN, date of Birth and home address - when I was asked for the city my nearest sibling lives, and then to identify whether I recognized a vehicle registration number from a list of them the Representative recited - I asked why must I provide Experian these key pieces of personal information to register for their service? It was then the Experian Representative stopped talking - I asked if he were still on the line - no answer - after some minutes of silence I hung up. I attempted to call back but found I was once again faced with the Experian IVR system requesting my SS number, date of birth and home address. Once again I provided this information and waited on the phone for an experian customer service representative to take my call - after a very long time waiting I hung up. 
From this experience I have to ask how safe is it for me to provide a company my personal information in such detail to a .com business?

Should Experain be " hacked '' the personal information Experian has obtained about me provides someone, who gains access to this information, all the personal information they would need to steel my identity and more. This is the reason for my complaint. It is unreasonable for a non government business to have in its possession this level of personal information - and it is unreasonable that people in need of protection services to have to surrender ALL of their personal information to obtain this service. 
I have left a message with XXXX XXXX requesting someone get back too me as I do not intend to " register '' with Experian under the conditions Experian demands in order to have their " services ''.

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 2022-10-05
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/22, I requested refunds on all payments made towards the student loans during the payment pause phase covered by the Cares Act. Attempted to call and email numerous times since XX/XX/22, but haven't received any update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Amount : {$29000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the 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 2022-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
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:
My complaint started on XX/XX/2022, My equafax report was completely erased, I have been trying to get my active accounts reinstated, but I have had no success even though the agents can see them and all documents has been submitted and still no results, had full report with credit score till the end of XX/XX/2022. And now my my credit score is not there in order for me to finish my refinance for my house, have been paying penalties since. 
Can someone PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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. ( 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 1681 c. ( 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 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 2023-11-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I submitted a request to update the balance to reflect that the account balance was paid in full. 
On XX/XX/2023, Equifax reported that they had confirmed with XXXX that the balance was {$72000.00} and that was the last reported amount from XXXX. 
It is highly unlikely that Equifax had an update as my credit report is missing XXXX or more of the last payments. Likewise, I suspect that they were unable to get an update from XXXX, therefore they faked an answer so that they could close out the complaint at my expense. 
Equifax Confirmation # XXXX On XX/XX/2023 I complained to my state agency and they referred my complaint to Equifax. Equifax opened another inquiry but failed to alert me. Likewise, it appears that they once again failed to reach out to XXXX to update my file. 
This is again highly suspect as XXXX XXXX was able to confirm the erroneous information in less than XXXX weeks when I reached out to them in XXXX. 
Furthermore, I was easily able to confirm that XXXX has proper record that this loan was paid off and properly settled months ago, through multiple channels. 
It was as simple as making a phone call, sending an email and pulling up the online account. 

Equifax clearly has disdain for the consumer and by failing to act prudently and subsequently dragging this out, they are significantly hampering my ability to access the credit I need to secure my lively hood. 

Please investigate the practices of deception by this company and help me get my credit report repaired and properly updated.

Company response to consumer: Closed with non-monetary relief