BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
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:
I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to XXXX in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX XXXX account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX  XX/XX/2020 XXXX / XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX XXXX XX/XX/2020 Ive asked for a manager call back from the XXXX and I'm always told I can't speak to manager and that Ive reached the highest point of escalation. So even if I have a complaint from the Rep over the phone Equifax won't allow me to speak to any manger to voice any of my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
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: Information belongs to someone else

Complaint:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2023-07-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitting my 12th complaint to ensure that the following items have been taken off my credit report, in accordance with the FCRA section 605b. Credit Reporting Agencies are obligated to remove any items that have been listed on my identity theft report # XXXX. I plan to review my credit reports again within the next 15 days, and I am hopeful that these items will no longer be present : 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 : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXXXXXX  Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2022-10-13
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:
I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$75.00} XXXX  XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
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 compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Company: EQUIFAX, 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:
XXXX XXXX  - XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Closed with explanation
Consumer complaint received 2021-08-17
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I recently sent a letter requesting validation pursuant to 15 USC 1692g of the account with Midland Credit I'm allegedly obligated for that I do not believe is mine. I sent the following letter on XX/XX/2021 alongside a cease and desist, and received no response. I also sent it via certified mail ( which notified me it was received at the location ) with a return receipt and In the letter I stated " If your office fails to respond to this validation request within 30 days from the date of your receipt, all your references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. '' I noticed on my credit reports this account is also appearing false and misleading which is a violation of Section 807 of the FDCPA, the date the alleged account was opened and last reported is not the same on all three of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
NAME : XXXX XXXX XXXX-XXXX-TRANSUNION DATE : XX/XX/XXXX XXXX have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, 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 2022-12-27
Company: SUNRISE CREDIT SERVICES, INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I replied to an offer from XXXX XXXX for an early up grade and was sent 2 new XXXX  with new lines added to my acct I asked representative several times about not adding lines to my service. She insured me that she was not a month later I saw that I had 2 new phone numbers on my acct I called numerous times with over 40 hrs and several nights on the phone with XXXX I was always transferred to someone else who said they would take take of me I had them start cases and a fraud case to get this resolved they would not email me anything about it but I would receive text messages with the case numbers on them and since then I have moved to another provider because I could get no response or anywhere concerning the matter of two additional lines and phones added to my account. I tried to send the phones back, but they wouldnt except it and then I got charged early cancellation fee for the two lines and accelerated payments for two phones and I sent back a XXXX XXXX XXXX that they have all the information IMEI numbers but physically cant find the phone now Im in collections for {$3800.00}. I reached out to XXXX XXXX XXXX I still cant get anything resolved through them. They were supposed to pull the phone call between me and the representative and figured out why I was added two lines on my service, but never heard back in any shape or form from XXXX XXXX XXXX now sunrise collections is calling me and put me in collections, which is killing my credit. This all started in the middle of XXXX 2021.

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 2023-11-15
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I just received a letter from The Federal Reserve Bank XXXX New York as per attached, requesting that I pay {$6100.00} dollars in order to update my ACH validator since my account at Citibank has been dormant for a long time. 

I have also attached XXXX Letters of XXXX I received from Citibank, guaranteeing me that the funds would be transferred without further expense, but the bank is not honoring their written guarantee. 

My attorney has met with Citibank 's XXXX department and stated that they deduct the Federal Reserve charges from the funds they are holding on my behalf or advance a loan to me for the charges, using my funds as collateral. 

Our next step will be to file a lawsuit against Citibank based on their nonperformance on the attached Letters of 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 2023-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Called XXXX XXXX and spent two hours trying to close account. Submitted help desk ticket for IT assistance, and for two months XXXX kept calling getting routes to different departments : security, checking, business analyst, IT all making excuses that I couldnt close my account. I had an INC # for assistance to be escalated and no help. I keep getting the runaround and was told I needed my husband on the call to close it but then they said I didnt. No transparency and they admitted theres no other reason why I cant close my account : XXXX balance, no transactions for months. Also same issue with my savings. Ive spent over 20hrs on the phone getting routed. Then they wouldnt let me get contact info for litigation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally held by XXXX XXXX and was transferred to Lakeview Loan Servicing , LLC a couple of years ago. 

On XXXX XX/XX/2018 I contacted them via their website requesting the payoff for the mortgage ( Ticket # XXXX ). In the e-mail I received acknowledging this it stated it would take 3 days. 

On XXXX XXXX I contacted them as while I had not heard anything from them regarding the payoff, I did receive a notice stating they intended to increase the amount of my escrow payments. This did not make any sense to me as the amount in the escrow at that time was larger then the remaining principal. I suggested they use it to payoff the loan and send me the balance. I received a acknowledgement of my e-mail stating it would take 3 days to process. 

On XXXX XXXX I contacted them yet again requesting the payoff, referencing the previous request and was provided the same response. The ticket number of this request is XXXX. 

Due to their lack of response I have paid sufficient funds to have paid the loan in full which was delivered to them on XXXX XXXX and cashed on XXXX XXXX. I have yet to hear anything back from them.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : 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 2022-08-09
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a fraudulent activity on my credit report. There was a charge of {$490.00} for some drinking water delivery services for a company based in XXXX. The company in question is XXXX XXXX XXXX XXXX who indicated they provided these services to me but I have never hired their services nor had I ever got a delivery service. We have always purchased our drinking water at XXXX. I spoke with the collection agency " Collection Bureau of America '' because they are now trying to collect this fraudulent account. I never hired this service and it is clearly a fraudulent account that I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: COAST PROFESSIONAL INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 @ XXXX, Coast Professional called my place of work to get in contact with me. Per the Fair Debt Collections Practices Act, I had previously sent them a cease and desist letter by certified mail on XX/XX/2018 that stipulated that all further contact had to be made by mail and that they could not call me. They have violated this cease and desist. I have let them know that they have violated the cease and desist letter and to not harass me at work.

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 2022-12-27
Company: Credit Karma, LLC
State: MI
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: Reporting company used your report improperly

Complaint:
Credit Karma. I have an profile with them. They have all my very personal information, I'm able to view everything however when wanting to open an checking through the app, it was unable to die to not enough information to identify me after appying in the credit karma app where all of my other information is kept and jointed together. The chat agent " XXXX " the one and only agent after being asked for birth of date n last 4 social. It responded saying we re unable to identify you due to " lack of information ''. I have screen shots on my phone I would like to provide by email. It very suspicious, exspeaily when it said, many of our customers have tired n been working on it. They deny me why they couldn't identify me with all of my personal sensitive information. It odd n there is no call number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Kingston Data & Credit International Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I joined XXXX XXXX around mid XXXX. I enrolled in automatic payment but later realized it was not a rational idea for me at that moment. For the fact that, I was in school struggling to pay my school fees, I have a wife and a newly born kid. And I also worked two jobs. I was only able to maintain the membership for 3 months or thereabouts. Therefore, I called XXXX XXXX center to terminate my membership. I made the last payment, mailed their key back to them and terminated my membership. Since then, no contact or any form of affiliation between me and XXXX XXXX. Just last month XX/XX/XXXX. I checked my credit status and I realized my score was severely reduced. I saw an amount of {$950.00} with a name Kingston Data and credit on it. I XXXX  the company and I called them up. I was told by the agent who spoke with me that it was from XXXX XXXX that they were a collection agency. I called XXXX XXXX but I was told I had to pay that I was on a 2 years contract with them. Every explanation I was making was rejected. Now, the point is, when they knew I owe them, why didnt they reach out to me in XXXX, XXXX, XXXX until XXXX before they start rooting for what wasnt true. I am a faithful taxpayer, a hard working person, I never depend on the government to take care of me. If XXXX XXXX thinks the government is pumping money into the circulation that they want to tap from that, well, not from me. I dont mind going to court with them either. Kindly help see into this matter. Thanks!

Company response to consumer: Closed with explanation