BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts on my part to rectify this situation, the corrections have not been implemented, adversely impacting my financial standing.

I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these attempts have not resulted in the desired corrections, and the fraudulent information continues to negatively affect my creditworthiness.

The existence of these fraudulent items has caused significant challenges, hindering my ability to secure favorable interest rates, obtain credit, and engage in essential financial transactions. I have diligently followed the established procedures, including contacting your customer service department, yet the promised corrections have not been made.

I understand the importance of maintaining accurate and reliable credit information, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused considerable distress and hindered my financial well-being. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-10-20
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Account information incorrect

Complaint:
someone has obtained my personal information and has been trying to obtain credits because of this I have several excessive inquiries reporting to all 3 bureaus of credit reporting agencies these inquires are putting me in a. hardship I have sent letters to all 3 bureaus to inform and update my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Chime Financial Inc
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:
On XX/XX/2022 I purchased what suppose to been very luxurious hair bundles in the amount of {$450.00} from XXXX XXXX XXXX XXXX When the order got to me I could immediately see that it was not the same quality they advertised to me and knew I had been scammed, asked the merchant to just send me the item they advertised and I kept getting excuses and humiliated! I contacted Chime to file a dispute which I submitted several pieces of evidence but they keep denying my claim! Several representative said they can see that what I received is not the same that was advertised but Chime dispute and investigation team will not call me and explain why! I have filed a police report on the merchant because XXXX keeps saying submit new proof, but they are obviously not looking at the proof Ive provided which shows the merchant is not willing to settle my claim. I want an investigation of Chime done as to why the investigation team can not be reached and my claim settled!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX Wells Fargo added a false charge of {$2100.00} onto my credit card account. They claimed it was a balance transfer because I cancelled my credit card for that account but the balance they claim was transferred is not money I ever owed. 
I already had a balance on my account of {$5000.00} for charges I made and the only reason I cancelled my Wells Fargo credit card was because of fraud and I ordered a new credit card and then Wells Fargo added a {$2100.00} extra charge onto my account and I dont even understand where that charge came from and it is not money that I owe. I called Wells Fargo and asked them to go through all of my charges with me on the phone and to tell me where the extra {$2100.00} charge came from and they couldnt even explain it to me. They just repeatedly said it was a balance transfer from the credit card you had replaced. Which makes absolutely zero sense because I have replaced my Wells Fargo credit card many times this past year due to fraud and I never had a random charge on my same credit card statement called balance transfer. 
I have added up every charge on my statement and all of the payments I have made in the past few months and this bogus {$2100.00} balance transfer charge is fake and Wells Fargo can not explain to me where that charge even came from. 

Here are all of the payments I have made on my Wells Fargo credit card balance since XX/XX/XXXX when I had a XXXX balance on the credit card. 
XX/XX/XXXX - {$2800.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$2100.00} XX/XX/XXXX - {$100.00} Since the time my balance was at {$0.00} on my credit card statement, if you add up all of my charges and then subtract the payments I have made on my credit card, this balance transfer charge of {$2100.00} came out of now where and is fake and Wells Fargo is trying to steal money from me with a bogus charge.

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 2021-11-16
Company: EQUIFAX, INC.
State: MI
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:
Equifax has placed inaccurate on credit report and the dates are followed Closed XX/XX/XXXX and XXXXXXXX XXXX date is XX/XX/XXXX. There is inaccurate information being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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

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 2022-10-20
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:
To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; XXXX ) Extended Credit XXXX ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) XXXX XXXXXXXX XXXX ) XXXXT XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES XXXX XXXX ALL LATE PAYMENT Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX credit was opened in my name sometime in XXXX. I notified XXXX that credit card was not mine. That the card was opened fraudulent. They informed that would take care of it. I now get at least 30 calls a day from Jefferson Capital who owns the debt. I have attached the call log from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 Balance : {$0.00} ; US DEPT ED XXXX Balance : {$8800.00} ; US DEPT ED XXXX Balance : {$1900.00} ; US DEPT ED XXXX Balance XXXX {$1000.00} ; US DEPT ED XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: AZ
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:
This is my second 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX, J XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00}

Company response to consumer: In progress
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2023-12-15
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-12-29
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have had a Home Equity Line of Credit with Pentagon Federal Credit Union ( PenFed ) for several years. I paid fees to establish this HELOC and have never borrowed against this HELOC. I received a monthly statement for the period ended XX/XX/ by US Mail within the last 5 days. This statement showed a fee of {$99.00} which was charged to my account on XX/XX/ and described as ELOC Annual Fee. My account has never been charged with this fee previously, and there was no advance written communication provided by the credit union that this fee would be charged. 

I contacted the credit union by phone on XX/XX/ and respectfully asked to have the fee waived and to then close the account, as I have never utilized the account, and never will, due to the current exorbitant interest rate of 9.00 %. I was told by PenFed that they would not waive the fee which had never been charged before and was charged to my account without notice. I asked the supervisor with whom I spoke to appeal this decision with a higher level of management and she rejected my request. I was told that the loan agreement allows PenFed to start charging a fee. A separate but related issue is that at closing I was promised I would receive a copy of the loan agreement, which PenFed never provided to me despite repeated requests. 

I have deep 'buyer 's remorse ' at ever choosing to do business with PenFed. They are long on marketing and short on delivery and customer satisfaction, and now they are taking 'money for nothing ' from me, which is shameful.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: AR
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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 explanation
Consumer complaint received 2023-04-05
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 this happen these two people I know took my information and open a credit card under my name and put that credit card on the apartment that they were staying in for rent and now that credit card is in debt for {$9000.00}. I have two police reports on them for fraud.

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 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
After almost 14 years of being a faithful credit card holder and user with Bank of America, I received a letter abruptly notifying me of my account closure ( see letter attached ). I made numerous attempts to find out the reasons for my account closure and XXXX XXXX XXXX refused to disclose that information to me. I wrote XXXX XXXX XXXX a certified and registered mail letter ( see attached ) as well as at least six emails ( see one attached ), without receiving any response back from XXXX XXXX XXXX. XXXX XXXX XXXX has not credited my account with credit received from XXXX and continues to report the INCORRECT balance on my account, despite emails received from XXXX informing me that they have credited my account ( see 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