BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and all information stated below is to be accounted for as my personal statement. 
My identity and personal credit report were used without my knowledge or consent.

The reporting of this information is in violation of the FCDPA 15 USC 1692c 805 ( b ) Which states : " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector '' My personal credit file is displaying information that is fraudulent and I have attached the Identity theft report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), Subsection ( b ) ( a ) XXXX. 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.

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 2019-01-30
Company: Financial Credit Network Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me and has been removed from 2 Credit  Bureaus. Please remove from my XXXX  report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: IL
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 file a second formal complaint regarding the unresolved issues on my credit report involving fraudulent items. Despite my initial efforts to rectify this matter, including providing supporting documentation, the fraudulent items persist, adversely affecting my creditworthiness. 

Despite providing comprehensive evidence and adhering to the proper dispute procedures, there has been no resolution, and the fraudulent items persist on my credit report. 

Enclosed with this letter, please find additional supporting documentation reaffirming the fraudulent nature of the items in question. I have attached : I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, and I insist on immediate corrective action. The continued inclusion of this inaccurate information is causing significant harm to my financial well-being. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough and expedited investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of this year I received a letter in the mail from the State of California about unclaimed money ( approximately {$530.00}, from an XXXX XXXX XXXXXXXX account ) that belonged to me. I contacted Bank of America, where the account was held, and asked them to please mail me a check at my new address. The bank agreed and said the check would arrive in XXXX business weeks. It is now 9 months later and I have not received my money. I am XXXX XXXXXXXX and this having this money would make a real difference to me here at XXXX time.

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 2018-03-09
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 concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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.

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 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 2018-06-14
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by CSC for billing issues with a hospital. Briefly the hospital said they would discount the bills if I paid " quickly ''. They then said to wait to pay the bills to allow it to work it's way through insurance. When it finally did, they said they would not discount it because I had waited. 

They also had bills for services which I did not request and I specifically told them I did not want. 

On XX/XX/XXXX, I notified the company in writing that they needed to stop the harassing phone calls. They continued with them : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX I told the person on the phone that I had requested they only contact me in writing. She said they had no record. 
They continued calling ... I am requesting records from the phone company. 

I called ahead to let the hospital know I was coming in for XXXX XXXX ( per a different clinic ) I arrived. While waiting for the XXXX the ER XXXX came in and told the nurse to get some XXXX XXXX. I handed her a disc and said " these were just taken, I do not want more XXXX ''. She took the disc. The XXXX dr did not do one other thing to justify any billing. She sent the radiologist in and they took XXXX. To justify billing she went against my directive and took XXXX which were not needed. She was in the room for approximately 20 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX XXXX : {$610.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX  XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 to 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- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

15 USC 1681 Section 602 A states- I have the right to privacy.

15 USC 1681 604 A Section 2 states- a consumer reporting agency can not furnish an account without my written information.

15 USC 1681c ( a ) ( 5 ) section - No consumer may make a consumer report containing any of the following items of information. Any adverse item of information other then records of convictions.

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 2020-04-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The bank XXXX XXXX XXXX  checked my credit score without my authorization. 

XXXX XXXX XXXX  obtained a copy of your Equifax Credit Report. 
New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
CONSUMER CREDIT REPORTS DO NOT FIT MY STANDARDS.

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 2022-05-12
Company: CarMax, 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:
Upon checking my consumer report Im discovered an alarming amount of unknown inquirers. I have no knowledge of this inquiry and pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I demand that I receive {$1000.00} for this blatant violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022 well fargo bank was close mine that was not right by the law. They have to investigate first. 
Because XXXX XXXX send me the check book with wrong account #, i am deposit check and was return. 
i am going to well fargo bank at XXXX XXXX XXXX, XXXX XXXX, ca show them mine check book was wrong account, and the receive copy of XXXX XXXX copy i have money in that account. 
well fargo is wrong doing this to me.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX only. Please update the correct information on my credit file as TransUnion has personal information that is not pertaining to me on my report. The following names are Inaccurate, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX remove the following employment information as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX are Inaccurate as I never worked there. Thank You.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I sent a check for a total of {$7500.00} on XX/XX/XXXX through Capital One Bank 's courier service to a contractor for a partial payment of permitted work that was being done on my house. When I met with the contractor a few days later, he told me that he had not received the money or any deliveries from XXXX, Capital One 's courier. I immediately called Capital One bank and told them the situation. They said that they could not do anything about the issue for 120 days and that I should contact the shipping agency, which I did. They said the check was delivered. When I called back to Capital One, they sent me an affidavit to sign and made it seem that the issue would be resolved shortly. Well, it has been over six months, and every time that I call I receive a different answer about what is going on with the check. There has been no transparency and/or resolve to solve this problem. Since then to avoid problems with the contractor, I paid them the remaining balance out of my other checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my annual free credit report today XX/XX/2020 at XXXX EDT from TransUnion and was unable to get it from either the website or telephone as I am allowed to by law. The website said I failed to answer the verification questions correctly ( because none were accurate to my history ), and the phone option didn't work because a representative never answered the phone after 30+ minutes.

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