BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus. 

I have not applied for any type of credit with XXXX XXXX. 

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have submitted several complaints before for the Bankruptcy on my account that is not mine. Today, I am submitting a complaint for the FRAUDULENT items on my credit report. 

There are multiple FRAUDULENT items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-07-02
Company: USCB, 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: Account status incorrect

Complaint:
USCB America has added a collection account to all three of my Credit Reports when the the debt is not mine. The original account belongs to XXXX XXXX and I am still a member. The last payment that I made to XXXX I have attached and it is a total of {$1000.00}, which brought my account to {$0.00} with XXXX. This Collection agency is reporting an incorrect amount that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX XXXX XXXX XXXX : 1. Submitted on XXXX XXXX, XXXX  File number : XXXX Completed on XXXX XXXX, XXXX  ITEM IN DISPUTE : XXXX XXXXXXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated.

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 2021-11-22
Company: American Coradius International LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
dates : XXXX XXXX XXXX at different times. the company is XXXX ( american coradiaus international LLC. this company has been contacting me on behalf of my debt with XXXX XXXX savings bank. i agreed on an amount to be taken out of my checking account but i do not feel comfortable with giving this type of information because they could be scamming me. i already gave them the checking account and routing number but i do not think they should have asked for this information. and they do not give me the full account numbers for my past due XXXX XXXX XXXX bank accounts, only the last XXXX digits. i would like for this company to not go into my bank account and not take anything out. i am a XXXX veteran and do not feel well at times. please inform them of this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: COAST PROFESSIONAL INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Coast Professionals INC is trying to collect in the amount of XXXX from me however I have no contract with this collection agency and do not owe them anything. Also the loan that I had with my school does not build interest and I paid down on the loan. The amount that coast is requesting is false and I do not owe Coast Professionals anything. Also they are contacting me via mail where I have never given them my mailing or live in address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account from Santander Consumer many times, only for it to be verified and remain on my credit report. How can an account be verified if it does not belong to me? I have even called and requested Santander to provided me proof of my Authorization. I also mailed a letter along with my police report for identity theft. I do not know what date the Debt started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: CAINE & WEINER COMPANY, 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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
I owe XXXX with interest in student loans, XXXX has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and XXXX. XXXX transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. XXXX has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans XXXX is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the XXXX account should be removed ASAP. ALL XXXX  were transferred to XXXX and it is attached to this dispute with the actual XXXX notice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$84000.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX Balance : {$84000.00}

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 2019-10-10
Company: DISCOVER BANK
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A withdrawal from wells fargo was made on XX/XX/XXXX to open a discover savings account. The amount was for {$10.00}, 000. I went to my XXXX savings account on XXXX to transfer funds from my savings to checking in order to cover a check I wrote to a roofing company. 

When I logged on to XXXX XXXX my savings account was depleted to {$.00} 2 transactions in the amount of {$10000.00} were withdrawn from my savings account One was withdrawn on XXXX and an erroneous {$10000.00} was withdrawn on XXXX from Discover. 

I called customer service 3 times to be told that it was a known error and would be put back in my account within 2-5 days I called back because this was unacceptable There was no communication to me from Discover of their " known error ''. They apologized and repeated they would restore my funds within a couple of days. I asked to speak to a manager They told me a manager would call me back. Hours passed without a call. I called for a 3rd time and asked to speak to a manager immediately.

I spoke with XXXX ( I think ) who was a supervisor. She again was very polite, repeated that this was a " known error '' but this time she promised that funds would be restored by midnight on XX/XX/10. 


I mentioned how upset I was that Discover never communicated the " known error '' and I felt very vulnerable with there lack of being proactive and to do right by me ( a new customer ). 

The supervisor said a message regarding the error detailing the issue would also be sent to me. 

Not only were funds NOT put in to my XXXX XXXX account I am still waiting on any form of communication regarding that the error. 

I feel like Discover has taken {$20000.00} from me with no explanation and a series of empty promises. 

I still cant access {$20000.00} and have no idea when it will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly disputed with credit report bureaus about inaccuracies on my report, they conduct their investigation, and they still will not take the inaccuracies off my account. The company I supposedly owe money to has yet to supply any evidence to support their claims. I cant get a bank account. I cant get any kind of loans or help with finances because of this. Its not fair I have to live like this because the credit bureaus want to take the side of huge corporations.

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 2019-01-08
Company: First Data Corporation
State: HI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Unauthorized charges 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 TOTAL- {$660.00} Currency Conversion/Cross Border Fees included. This company has a record of the full amounts as I do. Sent my dispute They closed the case. Too many inconsistancies. I live on XXXX. Using my card, I'm required to use my pin. I faxed all my disputed charges to XXXX XXXX. XXXX was my person handling my dispute. When calling she did not exist. Yet she was the person who closed the case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: AMKO Lending, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I was supposed to close on a house with AMKO LENDIMG. At the last minute just 2 business days before closing they reach out asking for bank statements from a gift donor, they ask for tax transcripts and they want a letter conforming that I was receiving section 8. But they want to count section 8 as an income even though it will not continue after I close on the home. They are ficuring me through all these hoops. Now we are several days past our anticipated closing and there is no type of update in sight. I am highly upset. I am XXXX and so is my XXXX XXXX XXXX son and we probably will be homeless. I am so stressed out. I can't buy food because I can't use my credit cards or money in the bank because it is for my cash to close. I am so stressed out and no one from AMKO Lending can give me straight answer. The XXXX and the processor do it even commicaye with each other. After going under contract I found out my real estate agent and XXXX are brother and sister. I did not know this prior to completing the application. I was told that this did not have to be disclosed because they are step brother and step sister. I feel this deal is totally unfair and I feel that I am being scammed.

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 2023-02-21
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

XXXX XXXX XXXX late payment account : I have never been late on a payment to this creditor. 

XXXX XXXX XXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

XXXX XXXX XXXXXXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXXXXXX charge off account and XXXXXXXX XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

XXXX XXXX XXXX XXXXXXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account has been included in my bankruptcy and should be reported as such.

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 2021-07-16
Company: EQUIFAX, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as XXXX  and Equifax on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
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: Personal information incorrect

Complaint:
My initial concern was that the point of filing for my ssn appeared to be incorrect when I was attempting to initiate a login for medical information, which prevented me from being able to access that information. The questionnaire indicated that it was using information from Experian. Subsequently I logged into the Experian website to attempt to correct the information, however since this was an ssn related issue, the website indicated I should call a toll free number, on doing so, I was provided a long dialog, but no way to communicate with anyone. When reviewing information on the Experian website, I also found that there was an additional ssn associated with my information. I would like to correct this, however it doesn't appear that Experian is even interested in communicating with the people whose lives they are disrupting.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: NJ
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 is the complaint for incorrect accounts in Exparian, and XXXX the bureau ignored my complaints. I need this to remove in my file. 

Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation