BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have made multiple attempts to unfreeze my credit with Trans Union. Their website doesn't work, their chat service is a joke, it goes round and round saying the same XXXX info that doesn't work either. I finally had to call wait to get someone and they asked questions about where my dad 's 4th wife lives who I haven't spoken to for 39 years. They were married for several months when I was 19ish. 
It was a ridiculous frustrating process that took an hour to simply unfreeze my credit. Credit I never asked them to data base or spit out some XXXX  score. They should not be allowed to operate basically holding my ability to manage my credit hostage!

Also, I was told just now they discontinued the pin number ID ( which I have ) and I was never notified. They asked me to approve receiving an email from them but wouldn't tell me what the contents of the email would be. How is that even legal? You can't consent to what you don't know! 
Please force them to shut down- they don't deserve to be a company! 
If as a consumer, I could choose to not work with them - I would! 
Thank you, This happened today XX/XX/2023.

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 2023-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were 70 inquiries .....

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 2023-04-25
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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.

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 2020-08-02
Company: INTERCONTINENTAL CAPITAL GROUP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Intercontinental Capital Group has repeatedly sent me letters threaten to take my mortgage away from the original lender to give me a cash out refinance that I do not want or ask for. 

They continue to send me misleading claiming they represent VA in refinancing and taken away mortgages from the original lender. I have called and asked that they remove my name and mailing address from their database, and for the past three years they continue to perpetrate a fraud in trying a switch and bait tactics. 

I do not want them contacting me or send letters in private evelopes with deceptive descriptions on the outside claiming to be coming from my mortgage lender and VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On 2 separate occasions, XX/XX/2022 and XX/XX/2022 I was solicited to apply for an additional line of credit at conclusion of me calling Bank of America on an unrelated matter. I actively manage my credit and at the time had 6 active credit inquiries on XXXX and XXXX on XXXX and XXXX. I was not actively seeking new credit and one of the reasons was that I didn't want to have any more XXXX  inquiries. On a recorded line I state this and am told that XXXX credit report would not be pulled and I then consent to apply for the card with the caveat that XXXX won't be pulled. I understand that the entire phone conversation to be part of my agreement with Bank of America. I am then declined for credit, which is exactly what I knew would happen, because not only did they not honor the agreement to not pull XXXX they didn't run any other Bureau report, doing exactly the opposite of what they agreed to and compounding the reason for the initial agreement. I called B of A and have filed several complaints after XX/XX/XXXX and was told that I had to file a dispute with the credit bureaus and the credit bureaus have told me I have to have it removed by B of A. With XXXX I tried to dispute this the only way they allow and that is as a fraudulent inquiry, which this is, but not the particular type of fraud their process allows for. I have spent several hours elevating the call after each rep told me there was nothing B of A could do and finally told that someone would call me back ( 2 occasions ) with one rep, after I asked what to do if I don't get a call back from a manager, saying he would follow up with me to make sure that didn't happen. This is such a minor issue ( yet major as it only affects XXXX points on my XXXX  report yet will disqualify me from receiving many types of new credit even though my XXXX  is near XXXX ) that shouldn't have happened, should easily have been able to resolved by listening to their own recording of our conversation, that has cost me countless hours, messed up my financial plans and is not something I would ever have expected from Bank of America ( to be solicited and lied to like an unscrupulous used car seller ). If this ever gets resolved it will probably too late to matter as the damage has already been done and we are coming near the 6 month mark but as a matter of principle I must pursue this and if for no other reason that B of A become aware, if they are not already, that there is a major problem if customers are being intentionally mislead. XXXX should have a process for disputing anything they put on my report that 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 explanation
Consumer complaint received 2019-03-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo dealer services is violating the remediation stipulations with CFPB File No. XXXX. Wells Fargo is continuing to commit fraud on the customers in XX/XX/XXXX. Wells Fargo dealer services mailed me a check on XX/XX/XXXX for {$110.00}, as refund for applying unnecessary CPI insurance on my auto loan in XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I called Wells Fargo to inquire in detail how the {$110.00} was calculated. XXXX from The office of the president conducted a 10 day investigation for remediation case # XXXX. The results of the remediation investigation revealed Wells Fargo actually applied 4 ( FOUR ) unnecessary CPI policies on my auto loan from XXXX, with a falsified explanation stating : POLICY1 : We received a cancellation notice from XXXX XXXX, POLICY 3 : We received an expiration notice from XXXX, POLICY 4 : We Did Not receive proof of insurance. XX/XX/XXXX I reopened the case with the office of the president for a second remediation with XXXX case # XXXX. I requested Wells Fargo Provide me with the documentation from XXXX XXXX & XXXX XXXX, stating my insurance was cancelled and expired. XXXX informed me those documents couldnt be provided to me, and that I had to obtain them from XXXX XXXX & XXXX XXXX. I contacted XXXX XXXX & XXXX, and received letters of experience for the dates XXXX provided in policy 1 & policy 4. XXXX XXXX & XXXX XXXX never informed Wells Fargo of the falsified cancellation or expired policies, I was covered durning those falsified dates. Wells Fargo also enclosed copies of notices sent to me via U.S.P.S regarding CPI policies fraudently placed on my account. Wells Fargo by this admission, committed mail fraud. Wells Fargo also violated the Truth In Lending Act and violated the FCRA. XXXX & XXXX at Wells Fargo are aiding the CPI fraud committed against consumers. I demand remittances of every payment I made to Wells Fargo for auto loan XXXX for violating the truth in lending act as required by law. I demand the entire fraudulent account be removed from my credit report, and NOT charged off to the IRS on a XXXX for violating the FCRA. I do not owe Wells Fargo anything for this fraudulent loan.This loan was deceptive from the beginning to the end. I demand Wells Fargo compensate me for committing mail fraud as required by law.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2021-09-20
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'm teaching my XXXX year old son whom has XXXX XXXX, how to balance a check book using my online XXXX XXXX account. He knows we want to go on a mini-vacation, but money is tight because we have to move out next month. Last month, he took it upon himself to apply for a XXXX XXXX credit card in my name while I was in the bathroom & he was supposed to be practicing, so we could afford to go. The credit card application was denied. I called XXXX XXXX and they sent me a letter stating they would remove the inquiry as " in error '', but encouraged me to write the creditors. I wrote all three creditors and sent them a copy of the letter from XXXX XXXX. Experian still has not dropped the inquiry. Now, I am applying for a rental contract because my mother died and I have to move out of her house. The house had a reverse mortgage and her death puts it into foreclosure. But. Even though my XXXX score is XXXX and my XXXX score is XXXX, Experian has me at XXXX, due to this inquiry. So. Here 's the deal. I know that the CFPB has the power to run my data and help me remove this bogus inquiry. I need help and I need it yesterday because the application is going in tomorrow and this report may stop me from getting the rental for my family. Please for the Love of God Help Me. In Jesus 's Name! Amen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Bay Area Receivables, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to the company requesting information so I could validate the debt. They ignored my request. I have proof that they received my letter. They continue to report this information and have not indicated that I am disputing the 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 2023-03-13
Company: EQUIFAX, INC.
State: FL
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:
XXXX XX/XX/2023 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated pe

r U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Bread Financial Holdings, Inc.
State: FL
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 have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX 2017-XXXX-XXXX 3- XXXX XXXX XXXX 2017-XXXX-XXXX 3-XXXX XXXX 2017-XXXX-XXXX 4-XXXX XXXX 2017-XXXX-XXXX 5-XXXX XXXX 2017-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 2023-03-02
Company: DISCOVER BANK
State: NJ
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:
There is an account ending in XXXX that does not belong to me and have provided my police report as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I learned of a debt collection on my financial credit report, which is adversely effecting my credit rating. 

I contacted Diversified Consultants, to learn this was for an outstanding balance from XXXX for services I cancelled. I never received a bill from XXXX! I was informed by XXXX XXXX at Diversified, that it was for services prior to my canceling the service. ( Billing in the rears ) I advised I would pay the bill immediately and did so during the telephone conversation. 

I requested that the debt collection be deleted from my credit report and was refused!! Mr. XXXX, not only was rude, arrogant, he provoked me into loosing my temper. 

When I requested to speak with a supervisor I was advised that Mr. XXXX XXXX was unavailable to take my call. I was then transferred to a XXXX XXXX, who also refused to remove the debt collection notice off of my record. Stating it they aren't paid to remove the records. I again, requested to speak to her superiors and was refused stating the the executives do not take consumer calls. 

I feel this is a perfect case of consumer fraud, and this inappropriate business model is adversly affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
Dear CFPB, I am submitting this complaint because Trans Union will not help me. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Trans union to place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : name : XXXX date : XX/XX/XXXX name : XXXXXXXX XXXX XXXX date:XXXX name : XXXXXXXX XXXX  date : XX/XX/XXXX name : XXXX date : XX/XX/XXXX name : XXXX XXXX  date : XX/XX/XXXX name : XXXX date : XX/XX/XXXX name : XXXX XXXX date : XX/XX/XXXX name : XXXX XXXX date : XX/XX/XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my Trans union credit file. As you can see in my credit reports XXXX and XXXX have deleted and blocked this fraudulent account that was opened in my name. In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. 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 non-monetary relief
Consumer complaint received 2021-09-20
Company: Statebridge Company
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: Old information reappears or never goes away

Complaint:
Statebridge had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off my credit report.

Company response to consumer: Closed with explanation