BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXXXX/XX/XXXX ; 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 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 2022-05-13
Company: EQUIFAX, 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. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today XX/XX/2018 ford motor credit treated to seize property today XX/XX/2018 had a tow truck man calling my phone non stop saying i was voluntary surrendering my car which i was Not had not talked to ford motor company about this. 

I have Been trying to work them and prevent them from continuing to ruining my credit. The refuse to treat me with respect refuse to let me speak to manger. Today some one from Ford credit threatened to sue and take me to court, used abusive language, called non stop at unacceptable times even calling family members. 


They have damaged my credit reporting late payments which is untrue the car was stolen and considered a total loss the insurance company had the car for over three months, i had To pay out of pocket for rentals etc. they said they would waive late fees now since the car was returned out of the blue from the insurance company, the car is not drivable, over 3,000 worth of damage to front & rear damage, not starting etc, & all they do is continue to harass me about payments but have not held the insurance company accountable for nothing. Refusing to accomadate me or help me and any way. They are being disrespectful, dishonest, unprofessional, constantly tearing down my credit, threating me and my credit, and acting if I am not a person only Money and Im willing to make arrangements to stop them & get them to remove this from my credit this matter has drove me insane and has effected me and so many ways. Ford has all documentations and know that the insurance company has been hard to get a hold of and hard to work with, has had the car for over 3 months and has refused to fix the car and i have Put in complaints against the insurance company as well. 

I have been in and out of the hospital for XXXX  and XXXX  XXXX, this has took a toll on me mentally and physically, and is not willing to work with me and any way. All i want is to be treated with respect and not harrsed not threatening, i want them to remove all negative payments from my credit report and work with me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NY
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 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-11-13
Company: Commonwealth Financial Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a debt verification letter to verify that this was my actual debt on XX/XX/2018, a second attempt on XX/XX/2018 and a third attempt on XX/XX/2018. I have gotten no response back from the company. I would like to pay off this debt if they can verify that it is in fact my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Rauch-Milliken International, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Below is the email sen to me after I told them the business is closed and the corporation is dissolved. 


Account ID # XXXX Company Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX OR XXXX XXXX XXXX  : XXXX XXXX XXXX  BAL DUE : {$5600.00} Court Cost : {$200.00} Attorney Fees XXXX XXXX XXXX  of Principal Balance To date you have failed to pay the outstanding balance owed to our client. It will be our recommendation that all legal remedies available to recover this balance be explored. 



Our client will be made aware that with a judgment on this account, we can subpoena the debtors records which can include checking accounts and tax records. This is done to locate possible hidden or unreported profits. 



Also, after judgment has been attained and assets have been verified, we can file to seize debtors bank accounts, inventory, accounts receivable, real properties, etc. We would work with legal counsel in debtors area who can pursue this matter without delay. Legal counsel may also petition to have attorney fees added to this claim. 



To avoid further action, Please contact this office to make the necessary arrangements to pay this claim. 



You can also make arrangements to satisfy this debt in full by contacting me directly using the below listed contact information, or should you choose you can also submit payment by clicking here XXXX XXXX XXXX XXXX and referencing your Acct ID # listed in the heading of this notification. 



Best Regards, XXXX XXXX XXXX XXXX XXXX  XXXX Direct # ( XXXX ) XXXX Fax # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Upgrade, Inc.
State: MS
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:
The company is Upgrade and they made a hard inquiry on my credit report and I was alerted that it was made. This was not authorized and I did not apply. I tried calling this Upgrade company only to be put on hold for 62 minutes with a recording being played constantly saying someone would be with me shortly. I have frozen all three creditors ( XXXX, XXXX, and XXXX  ). 

The email I received was sent at XXXX XXXX  CST and it was for a Personal Credit Line. It was supposedly issued be XXXX XXXX XXXX, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card was issued by XXXX XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 

I also file a complaint with the Internet Crime Complaint Center but I want whoever is doing this stopped and this inquiry removed from my report. I don't want this to happen to anyone else. I have worked hard to increase my credit score and this has thrown me for a loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reviewed my credit report and noticed that there was an account error showing that there was a late payment on my account when this account has never been paid late and has always been paid as agreed. 

The payment for the XXXX XXXX XXXXXX/XX/XXXX2023 should be updated to " paid as agreed and never late ''.

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 2023-07-04
Company: Experian Information Solutions 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 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 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 2023-04-04
Company: EQUIFAX, INC.
State: CA
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
I am a victim of identity theft and information reported in my TransUnion file is from that identity theft. These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transition had the wrong birthdate and sent me another got fix information but I still got no 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
Consumer complaint received 2023-04-04
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:
XXXX violated my rights by : ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Bank had an account of mine still open after I closed it 5 years ago in a branch. 
Its an account thats had NO money in or out of it for 5 years plus. I opened the account when I was XXXX and my Mother was placed on the account so I could open it. My mother had outstanding credit card dept that was never mentioned to me, and she wasnt contacted correctly due to address change. Somehow since my mother is on that account with me the dept collectors attacked my closed account for over {$11000.00} that has NOTHING to do with me. XXXXapital One did not close my account when I asked them to/ went into the branch 5 years ago. 
This has caused a huge mess for me and still shows negative {$11000.00} plus in my account that hasnt been used for forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/19 and XX/XX/19, I was charged return payment fees of {$27.00} each for attempting to pay off my balance through what I thought was my bank account. After talking to customer service, it was a random XXXX XXXX XXXX XXXX account that was connected to my XXXX Visa Barclays Card account in addition to my regular bank account. They removed the account but did not refund the return payment fees nor provide an explanation of how the XXXX account was on my account. On XX/XX/19, I call again about this issue and they refunded my return payment fees, but no explanation regarding the random XXXX account. During the same phone call, I get transferred to credit services to inquire about a credit line increase. I ask for a credit line increase from {$500.00} to {$2000.00} per month. The customer service agent does a hard pull on my credit which I consented to, asks for my income, and rejects me because of a brand new return payment fee that he says is on XX/XX/19 ( which is in the future! ) on my XXXX Visa Barclays card account. He transfers me to someone else whom I can ask questions to about this fee, but this new agent does not see that return payment fee on my account. I do not see it on my account or any of my other credit card accounts either. I call once more and the new customer service agent also does not see this on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$440.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2023-03-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX says I opened some account for XXXX dollars on XX/XX/22. Ive XXXX XXXX XXXX for 10 years I never opened any account with XXXX. Im confused as to where this is coming from and I disputed the collection. But it came back the infor was accurate which is 100 % false so I would like this looked into further because I am totally getting scammed on whatever this collection could be considering {$6100.00} dollars for any mobile or any cable is just absurd and definitely was never agreed soon by me. I would like to see what copy or contract they are claiming I signed stating or agreeing to this.

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 2020-02-05
Company: EQUIFAX, 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:
I went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation