BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been  unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXXXXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2018-05-14
Company: Receivables Performance Management, LLC
State: MD
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 was a victim of ID theft and XXXX  blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX   account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX   and now " performance management '' is trying to collect for the same blocked 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 2023-07-11
Company: Experian Information Solutions Inc.
State: VA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXXK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a police report anf ftc identity theft report. For CITIZEN PAY. I have reached out to the credit companies serval times via phone, mail and email. This company continues to violate my consumer rights. This company has not provided me with any proof that I open these accounts nor that I gave permission for these accounts to be open. It is disgusting that Ive went to every level and this company refuses to do the right thing!

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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
Consumer complaint received 2022-10-05
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted the following claims to Regions Bank, XXXX. on a VISA Business Debit Card last fouXXXX ( 4 ) digits ending... XXXX ( " Card '' ) issued by Regions on business checking account held by XXXX XXXX, XXXX. Consumer submitted Two ( 2 ) claims for unauthorized charges/fraudulent transactions on the Card ( ending # ... XXXX ). 

On XX/XX/2022 Consumer submitted a Claim for Ninety ( 90 ) transactions totaling {$12000.00} that had posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Consumer submitted a Claim for six ( 6 ) transactions totaling {$870.00} that posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Regions provided credit for the smaller XX/XX/2022 Claim ( pursuant to Reg E - per Regions Bank Bank Statement citation ) but Regions refuses to refund the larger XX/XX/2022 Claim. The facts and circumstances of the XX/XX/2022 Claim and the XX/XX/2022 Claim are essentially identical except for the dates, amounts and locations involved. 

Consumer is a XXXX, XXXX to a XXXX and is unable XXXXo drive an automobile. He is unable XXXX XXXX to any of the locations where the unauthorized charges took place. A police report was filed and the investigation is on-going with the XXXX XXXX Sheriff OfficeXXXX Regions Bank documents in my possession evidence and specifically reference person of interest-Jacquline XXXX. VISA Business Debit Card Agreement provides for Zero Liability but Regions has not provided the " VISA Reference Number '' whereby they forward the Claim to VISA for review under their " Zero Liability Policy ''. Actively communicating with VISA in this regard. Requesting CFPB investigate this matter and that Regions Bank be required to refund the total amount of the XX/XX/2022 Claim to my bank 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 2018-05-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I contacted Citibank via phone to make a routine transfer between my accounts. At the time I was told my account was " blocked ''. I later found out it was blocked due to a " XXXX '' review. An email sent to me in XXXX that I did not open requested information. Since XXXX Citibank never contacted me to follow up on the email. They never : sent a follow up email, sent a letter via mail, called me or the additional signers on the business account, They did however hold on to our hard earned money which did not allow me to access funds I needed to make payroll for my 35+ staff. I believe if they blocked my account they should give me my money and close the account - not hold on to it until it's cleared. 

Further, after I submitted requested paperwork and heard it will take 4 days to clear my account NO ONE from Citibank contacted me. Instead I had to contact them on the 2nd day to find out what is going on.

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 2023-04-20
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXXREVVI Account No. : XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. XXXX XXXX/REVVI ( Vervent Inc. ) and XXXX have continued to report this fraudulent account to my credit report after confirming with me it would be removed ; regardless of the documentation supplied confirming the account is indeed a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3400.00}

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 2018-05-14
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
PNC Bank has given information to XXXX XXXX XXXX and XXXX. 

I am not aware of this information I have received nothing from PNC Bank. 

I am unaware of any poor banking habits with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-04-05
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with this company several times in XXXX. There saying that I owe a XXXX XXXX bill for XXXX That is not possible. XXXX will cut your services off if you miss one month. They told me they can only produce the bill from XX/XX/2018 till XX/XX/2018. In which they stated the bill was {$1600.00} when they purchased the account from XXXX. I spoke with someone on XX/XX/XXXX asking for an itemized bill starting from XX/XX/2018. They told me that they don't have it and that I would have to contact XXXX. I contact them and I was told that they don't keep a record that long and that once it is sold to a collection company its out of there system. I then contact the company back and told them what XXXX had said. She told PROMISED me that she would request the information from XXXX and to give her 5 days. I called 10 days later they still haven't got a copy of my bill leading up to these charges and now their telling me to wait 30 more days for something that XXXX can't give them. In the mean time it's hurting my credit. If I owe XXXX money I would pay it. My bill with XXXX was about {$220.00} a month.. so if I add correct I had about 7 months of services and not pay.. that really impossible with XXXX. And to say I owe {$1600.00} is insane there's no way anyone can get services that long without paying. So no one is able to supply with a bill that shows charges leading up to this amount. Honestly I believe that when I moved from the residence XXXX sent me prepaid boxes to send back through usps. I neatly packed everything up and sent it back I had no use for keeping it and it was free to send back in which I took it to my local post office. I am thinking they never credited my account for the equipment I returned. Cause otherwise I don't owe them any money. I hope and pray that you can help me resolve this matter. Thanks. I hope to hear back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this on XXXX to dispute the following information on my credit reports ( experian, XXXX, and XXXX ) : Inquiry from XXXX XXXX  on XXXX I never authorized this inquiry and am a victim of identity theft. Derogatory mark Charge-off on XXXX  XXXX XXXX XXXX XXXX am a victim of identity theft and disputed the account months ago regarding unauthorized activity. Since then, the account had been paid off and the mark needs to be removed. Please investigate this matters urgently and delete them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX  stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor 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 XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} 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

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 2023-08-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had my identity stolen and several things including a bankruptcy are reporting to Experian. I never filed a Bankruptcy! I have contacted XXXX XXXX Bankruptcy Court and sent them all of my documents. When i contacted Experian they did nothing and would not even investigate the matter. I have attached my police report, FTC report and cover letter that i sent them. I should be protected from identity theft according to FCRA Law. Please 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 explanation