BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 EXPERIAN 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact the original company which is XXXX XXXX XXXX at the ( XXXX ) XXXX ; pin XXXX, extension XXXX office of XXXX but I can get thru also contact at email ; XXXX they didn't response to request a letter explaining the {$1400.00} debt. which we state we had canceled the service on or about XXXX of 2013 with no success we keep receiving a bill requesting payment for current month as well as previous month. However we have paid already the balance is zero. The collection agency is not doing anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: TN
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 inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
In accordance with the fair credit reporting act Account : XXXX XXXXT ( Original Creditor : 10 XXXX XXXX  ) Account # : XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I contacted the collection agency via mail to request validation of the debt and to request that they cease communications with me until the debt could be verified. However, to date, I have not received a response from the collection agency regarding the validation of the debt. 

Subsequently, I contacted the agency 's dispute department and spoke with XXXX XXXX and I was informed that they had sent a validation debt letter to the original creditor on XX/XX/XXXX and were awaiting a response. I followed up with the agency on XX/XX/XXXX as advised, but they informed me that they still had not received the validation of the debt and then disconnected the call. 

Despite my efforts to resolve this issue with the collection agency, they have failed to provide the requested validation of the debt, which continues to negatively impact my credit score. I believe this is a violation of the Fair Debt Collection Practices Act and request that the CFPB investigate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2019 I received a letter from Transunion credit bureau File Number XXXX stating that I need to submit extra documentation to obtain a credit report. I have already submitted an application to XXXX XXXX XXXX with copies of all required documents. If I needed to send more documents then the XXXX XXXX XXXX XXXX would have stated it. If you would please look into this. 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 explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
remove all the ftc violations 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
Consumer complaint received 2018-04-29
Company: Harvard Collections, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed I had three amounts on my credit report totaling XXXX from XXXX XXXX XXXX XXXX. I filed a complaint last month with XXXX XXXX saying I had no idea what this amount was for. XXXX XXXX contacted XXXX XXXX XXXX XXXX and a letter from them was delivered to my house but to a name not known to me, XXXX XXXX, saying I owed XXXX. I called XXXX XXXX XXXX XXXX and spoke with a rep named XXXX. I told him my name was different from the name they sent correspondence to and that I had no idea who XXXX XXXX was. He asked me for the last 4 digits of my social security member and that matched XXXX XXXX but our birth dates were completely different. He asked me to fax him a copy of my drivers license to prove I was telling the truth and I faxed it to him the next day. He told me that that would clear it up so I was surprised to hear back from XXXX XXXX that XXXX XXXX XXXX XXXX said the charge was correct and should stay on my credit report. I'm at a loss on what to do as I am not XXXX XXXX and I proved that. I'd appreciate any help you can give me to get this erroneous charge off my credit report, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have very good credit ( score XXXX ). I am trying to apply for a car loan with my daughter and have been told by XXXX that it was denied because Experian was unable to verify my identity. According to XXXX, Experian has a " mismatched report '' on me that only Experian can resolve. I have tried multiple times to call Experian to speak to a representative about this to no avail. It is impossible to get a person on the phone at Experian XXXX XXXX XXXX despite trying every menu option available. Meanwhile, the credit " unfreeze '' timeframe that I placed on my account has passed, and I still do not have this resolved nor was I able to get a loan against my very good credit. 
Furthermore, XXXX representative told me that Experian is the worst for this issue - and that it is very difficult to talk to an Experian representative. This is unacceptable. Could you please help me resolve this? Thank you. 
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 explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE 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 2022-12-09
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) XXXX  and Equifax 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting 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:
( XXXX ) sent me a text saying someone is opening account in my name I went onto my credit report so I called the company JPMCB-Card told them this was not me opening no accounts with them they informed me that they will stop the application from going forward. The date was XXXX I called the same day this happened.Now I have a Negative mark on my credit report ( hard inquiry ) open account that I have not asked for..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was told that my account will be restricted to verify some recent activities on XX/XX/2023. I called them and they asked me to verify my identity which I did on XX/XX/2023 I sent them the back and the front of my ID. Frustrated with all of this I called on XX/XX/2023 to close my account. But they are telling me I have to go in person to do it which doesnt make sense I just want my money back and want to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called and spoke to an agent XXXX to update my payment information as I made an online payment while out of the country with the wrong Finacial institution information. I was informed by the agent that she could not assist me with that, and that I was unable to process the payment and to update information via my mobile device. I explained that I was out of the country and did not have my own personal computer with me. I did share that I would transfer money via PayPal to my former financial institution in order to cover the payment. Later that afternoon, I received an alert on my phone regarding account closure I called back spoke with another agent and asked to speak with a manager. They put me through to XXXX who is an account manager with Synchrony Bank. I explained that I was out of the country did not have access to a computer and wanted to update my financial institution information as well as the fact that I am addressing return items promptly. The account has never gone 30 days past due and expressed also my frustration that I do not have the ability to update the information via a mobile device. XXXX offered to update the information whereas the agent earlier did not offer and told me I had to do it online. XXXX also brought to my attention that there were no documented calls regarding any returned items which to me is problematic.

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 2022-12-08
Company: TD BANK US HOLDING COMPANY
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:
These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX  Acct # XXXX Open XX/XX/XXXX Credit Amount : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been unable to log into my account for almost a year. They are non-responsive to email/message/phone calls. I have been locked out of my account, and I need it to be unlocked. My email associated with this account is XXXX I had to open an additional account because the other one was locked. Please unlock the XXXX one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First time i noticed this debt collector that is not acredited by the XXXX with many negative reviews on XXXX appear on my report was XXXX this year. i immediately contacted them thru the mail. to ask for debt validation original contract and debt assignement if debt was purchased after discharge which is illegal. i never received any response. they illegally reported on my personal report and i do not know the, its a privacy act matter, as much as a fraudulent matter. im appaled they are on my credit, i want them off. they are causing me great deal of mental anguish and mental health is important. please delete this fraudulent account off my report at once. cease and desist. you have no permissible purpose if you do send account with wet ink signature indicating i have business with your specific company. i refuse to deal with third parties, its my right according to FCRA. privacy act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Prince Parker & Associates
State: TX
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:
I received a missed call, called the number back and the person that answered ( XXXX XXXX  ) did not verify me correctly, did not state the mini-Miranda before disclosing the information..after I asked him not to call my cell phone anymore he stated its ok, well just report this on your credit next week to which I replied that was fine and ended the call. I then called back several times, on one occasion the same collector answered the phone and hung up on me when I asked for his supervisor..all other calls were also hang ups with nothing said. I called again and spoke to a supervisor and explained to him what happened, he then placed my call through to XXXX XXXX who said he would pull the call and listen to it. I called back and spoke to Mr. XXXX and he said he had listened to the call and the collect was written up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XX/XX/XXXX, when I tried to check my credit report at XXXX, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to XXXX on XX/XX/XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation