BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
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:
XXXX, TRANSUNION, XXXX, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( XXXX, TRANSUNION ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX   /XXXX XXXX XXXX VXXXX 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 2022-12-07
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXXIt 's been on going since XXXX XXXX account # XXXX would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer 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 2023-05-01
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:
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 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 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 2023-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: CT
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 been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a XXXX XXXX BREACH and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent XXXX a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, XXXX  XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX, XXXX XXXX XXXX XXXX XXXX DEPARTMENT XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  These are the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, There XXXX also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
They just close my account for nothing

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I believe that the above actions or omissions directly contravene the provisions of 5 U.S.C. 552a ( b ), which states that federal agencies must ensure the confidentiality and integrity of individuals ' personal information and protect against unauthorized access or disclosure. 

I kindly request that your agency conducts a thorough investigation into this matter to ascertain the extent of the Privacy Act violation and take appropriate corrective actions to rectify the situation. I also request that you inform me of the steps taken to address this issue and prevent similar violations from occurring in the future. 

Please provide a written response to this complaint within 30 days, as required by law, acknowledging receipt of this complaint and outlining the actions taken or planned to address this matter. 

I take this matter seriously and trust that your agency will give it the attention it deserves under the provisions of the Privacy Act. 

This is no 3rd party I am real human.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2021, I signed up for Experian 's credit monitoring service for $ XXXX and was not allowed to dispute my credit information online. I tried to dispute online several ways, and was repeatedly given a message that Experian would not process online disputes, due to " security issues. '' I called Experian twice to request that they enable online dispute of incorrect credit information on my credit report, and both times their phone tree hung up on me. When I finally did reach a service representative, he did not know why Experian 's online dispute function was not working, and he had no interest in finding out. 

I believe that Experian has intentionally disabled its online dispute mechanism to cut down the number of disputes. I believe this because when I XXXX " why won't experian dispute online '' I found many comments from consumers who were frustrated with Experian 's refusal to allow online disputes. There are multiple errors in the personal information in my Experian credit report. With XXXX and XXXX, I was easily able to dispute information online. I am asking the CFPB to hold Experian accountable, and make it easy to dispute information online.

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 2023-05-17
Company: EQUIFAX, INC.
State: MD
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:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I closed my Capital One account that was paid in full in XX/XX/XXXX and closed at that time. Capital one is reporting the XXXX balance closed account is delinquent from XX/XX/XXXX to present. How can an account be closed for over a year and a half show as delinquent? My credit score is being affected. I called Capital One and they would not help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: CA
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 ( FCRA ) Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  ACCT # XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX  XXXX XXXX  ACCT # XXXX  XXXX XXXX XXXX ACCT XXXX XXXX, have all 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 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 2019-07-12
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
After submitting a complaint with the CFPB about a debt that is on my credit report that does not belong to me. I was contacted by a XXXX XXXX at Thunderbird Collections and he was extremely rude and abusive. 

They claim that because a debt is owed by my spouse they can put it on my credit report which I have never signed anything with them or at the time of service and after requesting validation the only thing they send me is things in his name. 

I understand that Arizona is a joint property state, but if all of my debts were my spouses and vice versa then everything on both of our reports positive or negative would be on each others reports. The Fair Credit Reporting Act is federal and it states they must provide proof of from the furnished that this debt is mine and it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Yes my computer was hack and some private information was stolen as well as I was black mailed into transferring money. I am embarrass about it but here all the information i can provide. It was on Western union Pick up code for the item is XXXX XXXX XXXX XXXX Name : XXXX First name : XXXX Country : XXXX XXXX Postal code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-12-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bridgecrest has issued XXXX unauthorized charges from the checking account that I use to pay my car loan with them. I use this checking account to pay my car loan online every month and I pay my full payment amount every time, and yet these additional and unauthorized charges keep happening. I do not owe them any additional money, so I do not understand why they keep taking money out. I also do not have auto-pay set up and never did. All charges are supposed to be initiated by me when I decide to pay. After the second time it happened, I unlinked the checking account information from my online profile with them in hopes that they would no longer be able to pull money from that checking account. However, they must have my checking account information saved somewhere else as they have just taken money from me again for the third time. I have tried contacting Bridgecrest directly about this problem but they tell me each time that they can not see these charges. My bank has confirmed that the charges are indeed from Bridgecrest. I sent Bridgecrest copies of my bank statements as proof that they are taking the money from me. I have also filed disputes about the charges with my bank. Bridgecrest has not helped me and maintains that they do not know how this is happening, so the issue never gets fixed and my bank account keeps getting money taken from it. I suspect they have my checking account info linked to another customer 's account and are wrongfully using my money to pay another customer 's bill or that they have a duplicate account for me setup somewhere with my checking account linked and are charging that account. Either way, there is some type of error with their billing which they refuse to investigate and I keep getting money stolen from my checking account as a result. On XX/XX/2021, Bridgecrest.com took {$130.00} out of my checking account in an unauthorized charge. On XX/XX/2021, Bridgecrest.com took {$100.00} out of that same bank account in another unauthorized charge. My bank was able to reimburse me for these charges after filing disputes with them but it took XXXX weeks each time because Bridgecrest themselves refused to help me or return the money. And on XX/XX/XXXX, Bridgecrest.com took {$190.00} out of my checking account in the third unauthorized charge. I have contacted Bridgecrest again and am waiting for a reply. I am also attempting to dispute this charge with my bank but I will have to wait as it is XXXX day and all the representatives are unavailable.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter out on XXXX XXXX to Experian, XXXX, and XXXX. 

Here are the following tracking numbers : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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