BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
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:
XXXX XXXX XXXX XXXX # XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX, XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2020-09-30
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:
XXXX  and TransUnion are fraudulent on my following accounts : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # 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 2022-08-18
Company: CITIBANK, N.A.
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:
n accordance with the Fair Credit Reporting act 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 CBNA account 426938

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 2022-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The three major credit reporting companies are unwilling to cooperate with the laws given to US citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CO
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$9100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}.

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 non-monetary relief
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my report and noticed unauthorized inquires on my Transunion report. I am stressed to the max and need these unauthorized and unverified inquires removed immediately. Ive contacted the creditors and they advised me to contact your office on this matter. 

1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). 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. 

* Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of Ed/XXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - 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 2022-08-28
Company: HUNTINGTON NATIONAL BANK, THE
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 am XXXX XXXX and I am submitting this claim myself, and no third party is involved. I, XXXX XXXX, natural person, and creditor to an open ended credit plan, was denied my right of credit by Huntington. I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by Huntington XXXX XX/XX/2022. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by Huntington 's adverse action taken against me. Huntington admitted to using a " credit scoring system that assigns a numerical value on information in '' my " credit report ''. Huntington admitted XXXX " the credit reporting agency advised '' them to share my private info via my credit consumer report. According to 15 USC 1602 ( p ) XXXX never had my permission to allow Huntington to view my non public private info ; in result I received no benefit from this credit transaction. Huntington 's adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to XXXX. XXXX XXXX XXXX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I never applied for this card. They just sent it to me in the mail and it has extremely high fees. I never apply for any Credit card that has fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX  XXXX Balance : {$64.00} XXXX XX/XX/2022

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 2023-07-07
Company: Early Warning Services, LLC
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:
XXXX XXXX XXXX Early Warning Services Consumer Assistance XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Demand to Stop Reporting Fraudulent Accounts to my Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the reporting of fraudulent accounts to my consumer report by Early Warning Services. Specifically, I have discovered fraudulent accounts associated with XXXX XXXX and XXXX XXXX XXXX, which have been incorrectly linked to my identity. 

I find it alarming that these fraudulent accounts have been reported to my consumer report, and I hold Early Warning Services responsible for any adverse impact this may have on my creditworthiness and financial reputation. These accounts have been established without my knowledge or consent, and I have taken immediate action to address this issue. 

Firstly, I have filed a formal complaint with the XXXXXXXX XXXX XXXX, providing them with all relevant information regarding the fraudulent accounts. Additionally, I have reported this incident to the Federal Trade Commission ( FTC ) and have obtained an Affidavit of Identity Theft, which I am attaching to this letter for your perusal. 

In light of the seriousness and potential legal implications of this matter, I demand that Early Warning Services promptly cease reporting these fraudulent accounts to any consumer reporting agency. I request that all references to these accounts be removed from my consumer report, and that any information pertaining to them be expunged from your records. 

Furthermore, I expect Early Warning Services to undertake a thorough investigation into how these fraudulent accounts were able to be linked to my identity. I urge you to take all necessary steps to rectify this situation, including but not limited to contacting the respective financial institutions involved to ensure the immediate closure of these fraudulent accounts. 

Failure to comply with this demand within 30 days from the date of this letter will leave me no choice but to take further legal action to protect my rights and seek appropriate remedies. Given the seriousness of this matter, I am prepared to pursue legal recourse to the fullest extent allowed by law. 

I trust that Early Warning Services will handle this issue with urgency, professionalism, and the necessary care it deserves. I expect prompt communication from your side to acknowledge receipt of this letter and to provide me with updates on the actions taken to address my concerns. Please direct all correspondence regarding this matter to the contact information provided above. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
my initial mortgage was with XXXX XXXX. tbey sold to XXXX or XXXX. now it seems to be TIAA the problem is the loan modification did not reflect 10+ years of payment. it cites the original loan of XXXX plus 2 years of back pay. 

payments were made. i tried bankruptcy 2 times. each time the lawyers failed. one dod not make payments. the sconond lawyer also failed. made copies of 1st bankruptcy. then the XXXX XXXX court in XXXX garnished 150 % of my wages before anu scheduled court hearing. the payments were again not made and the lawyer failed to tell me of any thing. i was stuck to never know then was harshly accused by staff at court i proceedings i was not part of. 

the loan modification i am trying to do. the words keep changing and the phone number they ( TIAA ) changed purposely. i have court notification of 2 lawsuits against XXXX XXXX bankruptcy court and XXXX lawsuit on XXXX/XXXX. 

the companies representing XXXX are bankrupt and out of business. 
big fiim in XXXX. collections agency also out of business. 

i submitted all my documents. i have been trying to get hud or certified counselors. they failed on the message and argued with me citinv i was wrong. 
i have documengs of each company coted. XXXX XXXX, XXXX/XXXX and tiaa. each different amounts with rears tha are more than my orgonoal mortgage amount it seems.

this is wrong. the threats. the wrong and illegal misjandling from government officials who took oath and this deal with tiaa. 

i also question your counselors. the paperwork needed and the illegal acts of many eho require money that is is XXXX minimum to help. 

i am not a millionaire. i can sell this and have a house that should be worth much more than they say. i only want my life back. to be hurt emofionally and mentally thst took a toll on my pbysocal health is killing my body. an onset of XXXX from overworking last year and the garnishment that went and was hidden to go back to the courts. 

all illegal and i am praying in your care that this gets stopped. banks and illegal government proceedings. i am resilient. 
i will co tinue my paperwork. i am looking into lawyers so they will be held to the highest standard woth cleari g my name in every way. 

my home is mine. i did nothing wrong. i trusted the system broken. now i am being punished for their corrupt ways. please help. 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX, PA, a law firm in XXXX XXXX, North Carolina, wrote a check from an escrow fund containing my money on XX/XX/XXXX. The check for {$8500.00} was sent to Barclays at the address shown on their website. This check was to pay down debt on a XXXX XXXX XXXX as part of a real estate closing. 

Barclays deposited the check on XX/XX/XXXX at a bank in XXXX, Maryland. XXXX has a copy of the canceled check. Yet Barclays has not applied the payment to my account and continues to charge me interest on the balance. 

In a three-way call today, an attorney from XXXX and I were told by a Barclays customer service representative that a case has been created ( # XXXX ) and Barclays is investigating. Apparently, they have no idea where the money is or why it hasn't been applied. I was told it will be another 30-60 days before the case is resolved. 

The Barclays representative says this is " a known problem. '' I don't know if he meant my lost money in particular, or if they have several cases where deposited money has vanished.

Either way, this is unacceptable. We asked if we could contact the Investigations Department directly and were told no. My attorney was very upset and suggested that I file a complaint with Consumer Protection, so this is it. 

I want my {$8500.00} -- which I know for a fact is in Barclays ' possession -- to be applied to my credit card account without delay, without any more vague promises for eventual resolution. I want the finance charges for this period to be rebated or forgiven.

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 monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. The following accounts are not accurate : XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 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 2022-12-12
Company: EQUIFAX, INC.
State: TX
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. ) Account # 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, 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
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  UNAUTHORIZED CREDIT PULLS

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