BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 2022-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My credit card information along with email information and identity was compromised. They charged over {$5900.00} to XXXX, They also hacked my email and fanduel account when I tried to inform both my bank and fanduel that all of my information was compromised they denied my claim. I have no idea how hackers got access to all my information, but now I'm in financial ruin and I have no idea what to do. I informed them there was no way I could of approved the transactions because I was never in a state where XXXX allows the use of their service. 

Posted Transactions XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1400.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$450.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$300.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$15.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$50.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$16.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$500.00}

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 2019-12-26
Company: ID Analytics, Inc.
State: AL
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 gained unauthorized access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$81.00} XXXX  XXXX XXXX Balance : {$690.00}

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 2019-12-26
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AL
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:
On XX/XX/2019, 1st Investors Financial Services acquired unauthorized access to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Certified Credit Reporting, Inc.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the update and removable of the incorrect information about my inquiry has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any answer up to this date. Besides, the fallacious information about my inquiry is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : CCR - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MI
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my 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
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
Experian must contend that it violated the Fair Credit Reporting Act at least. Experian refuses still to place the complete unchanged personal statement that I requested several time. Experian by placing a statement that I didnt consent to is committing a falsification, retaliatory adverse action against My record it administers or stores and Experian must be adhere to the law and comply immediately or if not The regulators must intervene immediately in this case. 

Experians desired Statement to be placed on my credit report is as follow word by word as it represents Experian only not the complainant at all : MY WIRELESS PROVIDER STILL HAS MY SAME UNCHANGED AUTO- PAY TO DEBIT FOR ANYTHING EDIT LEGITIMATELY CHARGED. THEY CUTOFF ALL SRVCS, REFRAINED TO GET PAID. The attached file shows the Experians Desired statement and is from the credit report Experian falsified and is forcing me to use it and dont speak up again about Experians Violations and threat to the public .Experian will pay huge legal consequences for its retaliation against me. 



The above statement as long as Experian keeps it, it continues falsifying my credit report and it continues using my information improperly in violation of the FCRA and my rights asserted by the Privacy Act and/or my state applicable law.

All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to any change or correction by him only at any time without any notice and without waiving his rights. 


Experian is a fraudulent consumer agency working against the nation and it must be censored and a new one to replace 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 2018-08-18
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$520.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verificaiton and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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 resubmitting 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 : XXXX 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XX/XX/2022 ; 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 non-monetary relief
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My initial Citi Simplicity card started out relatively low ( around 12 % ). In XXXX, rates were increasing by .25 % like other credit card companies ; however, in addition to this increase Citi increased my rate by over 5 % starting in XX/XX/XXXX. When I called and asked why, the response from customer service was " other credit card companies are doing the same thing. '' This is absolutely not true ; no other credit has increased my rate by such a large amount in one shot. I have never been late paying and have paid the minimum, if not more, on my account. After this huge increase, Citi continued to increase every month by a small margin like .25 %. Recently, I received another notice that as of XX/XX/XXXX, the rate on my card would increase another 4 %. To add insult to injury, Citi sends me a marketing promotion that I was pre-selected for a card at 0 % for 18 months. After the 18 months, the rate would be lower than by 7 % than what I am currently paying. When I asked customer service about transferring my current card to the Citi Rewards card, they then said I was not eligible. Why send it to me? Why such a HUGE increase in rate, not once but twice? No one seems to be able to give me an answer. All I can determine is that it is greed on the part of Citibank. I will never be able to pay off this card at this rate.

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 2023-06-19
Company: Resurgent Capital Services L.P.
State: TX
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 got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Account name : US Dept of education Account number : XXXX As a consumer, I request to know all the steps your agency took to insure this account were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification Description of reinvestigation procedure. I had provided documents from the US Department of education stating that this account should be removed from my credit report & 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 2023-08-24
Company: AUSSRQ Holdings, LLC
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:
A few months ago, I saw a collection popped up in my account, but it isn't mine and I don't even know who it's from or what it was used for, I tried disputing it before, but it came back valid they said and I even requested documents proving the fact, but they did not even reply back when I asked for that proving that whatever is going on here, it's shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  FI XX/XX/XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: TX
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:
On XXXX I spoke with XXXX at Equifax and advised that I saw unauthorized inquiries on my report. I was advised to contact the creditors to request a deletion letter. I contacted the creditors, they were unable to find me in the system as I do not have an account with them, they also advised that they can not provide me with a deletion letter as I am not in the system so there is nothing to delete. I called Equifax again on XX/XX/XXXX and spoke with XXXX and explained that I followed their instructions but the creditors were unable to find me in the system and could not provide the " inquiry deletion letter ''. XXXX then advised that I needed to go to the police station and provide them with a copy of the police report so they could remove the unauthorized inquiries. I went to police station on XX/XX/XXXX and was advised that this was a local matter and I would need to contact my financial institution along with credit bureaus for assistance with compromised information. I contact Equifax again on XX/XX/XXXX, I explain all of this to XXXX who disconnects the call in the middle of explaining what has happened. I call back and speak with XXXX XXXX who confirmed I was given incorrect information and that I will need to file identify theft report with FTC. As a consumer I feel violated and devalued. I followed all of the instructions from equifax which was wrong to start with and still can not get any assistance. When I file dispute online it comes back as factual. I have already placed security freezes and locks on my reports to prevent anyone from accessing my reports, but I need these fraudulant inquiries removed. With XXXX  and XXXX  I did not go through this suffering. They assigned me case workers and worked with me from beginning to end to remove the inquiries. Equifax has been spinning me in circles for two weeks with incorrect information no less. Below are the unauthorized inquiries that I am not aware of and should be removed. 

XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation