BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.

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 2023-03-03
Company: EQUIFAX, INC.
State: MO
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 submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MO XXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2023-03-03
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.

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 2022-04-30
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 XXXX XXXX have previous opened a dispute with Equifax in regards to fraudulent account and inquiries on my credit report I have sent them several documents over the course of the last month and they have yet to remove the accounts inquiries from my credit report despite me sending in documentation a dispute was opened on XX/XX/XXXX and closed in XXXX but the account fair collections and outsourcing is still reporting despite me sending a ftc report several times them the inquirie XXXX XXXX  is stil on my report despite me sending in the documents I have tried to open a another dispute with Equifax the are no longer cooperating nor will let me dispute the only account and inquirie I have on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX Currently have some fraudulent accounts and inquiries appearing on my credit report I have listed supporting documentation below.

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 2023-07-13
Company: I.C. System, 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: Account status incorrect

Complaint:
I reported a dispute with XXXX 3 times showing payment of a collection back in XXXX. The account shows it was started 2 /3 months after I paid I c systems. And they still didnt update and close the account but keep saying that the information the company keeps reporting is accurate.

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 2023-04-30
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: Account information incorrect

Complaint:
Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, And XXXX XXXX XXXX Account 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

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 2023-02-06
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX using a creditor called XXXX XXXX XXXX XXXX has contacted me via mail and postal that is saying that I owe a medical debt to a company called XXXX XXXX XXXX that I used a ambulance and XX/XX/2018 and that I owe {$2900.00} and that they will settle for XXXX. 
I never used an ambulance I was never went to the hospital so I have no idea what this is about but I have checked this company on the XXXX XXXX XXXX  website and they are fraudulent there are many complaints about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just noticed from my credit report that an unknown collection agency has reported a utility bill from a company ( XXXX ) which I don't have. I contacted the credit bureau XXXX  which is showing this on their page and disputed It as I don't have a XXXX account, and want this removed from my credit history. They rest of the credit bureaus have already removed this from my account except experian. 

-- - Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2021 Original balance {$360.00} {$360.00} Payment Info Original balance {$360.00} Balance {$360.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 2021

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 2023-09-09
Company: EQUIFAX, INC.
State: NC
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:
I filed a ftc report because i found inaccurate accounts on my credit report and nobody is helping me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: U.S. BANCORP
State: CA
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:
Elan Financial fraudulently, willfully and repeatedly reporting my credit card ( ending XXXX ) balance much before the closing date ( See attached Exhibit 1 & Exhibit 2 ) in violation of FCRA, Electronic Fund Transfer & Electronic Wire Transfer. 

This has caused XXXX score to drop XXXX points. ( Exhibit 1 ) Elan and XXXX have given plenty of opportunity to do things under federal laws. Elan and XXXX refused. This would be the second lawsuit against XXXX since XX/XX/2021. 

Thus the current lawsuit against Elan shall include XXXX XXXX, General Manager, XXXX XXXX Senior Vice President, XXXX XXXX and XXXX XXXX of Elan Credit Card in personally capacity.

Because of the lawsuit, Elan must NOT contact me personally. 

cc. Law offices of XXXX XXXX, XXXX XXXX, CA

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 2023-08-11
Company: EQUIFAX, INC.
State: AZ
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From XXXX prior complaints that had been closed, PNC mortgage continues to notify me that the situation has been resolved but as of today, my monthly escrow amount is double what it should be. I've attempted to request them to revalulate my escrow in the past and each agent responds by saying : either they only do revaluation in XXXX & XXXX, OR it can only be done once a year ( XXXX ), OR they have submitted the request. In prior year XXXX, my annual insurance premium was {$680.00} and my property tax was {$210.00} so therefore my total yearly escrow amount should be around {$900.00} yet my monthly escrow amount is {$200.00} which amounts to {$2400.00} ( an overage of {$1500.00} ). So now they said they issued a refund of {$1500.00} on XX/XX/XXXX ( though i have not received it yet as of XX/XX/XXXX ) BUT my next monthly escrows is still set at {$200.00}. I have tried to request that i take over paying my tax & insurance and thus close the escrow account but they said I would have to pay an escrow closure fee of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is re : case XXXX. I sent you a complaint ( XXXX ) on XX/XX/XXXX. If you look back at that you will see what occurred. I have been with Bank of America for 34 years. On XX/XX/XXXX, I attempted to make a withdrawal of {$400.00} from an ATM in XXXX, CT. The machine, which I had used numerous times previously came up with a message on the screen that the transaction could not be completed at that time XXXX not exact words ). It was not due to an overdrawn account. I asked inside the bank and they said they would look into it. A couple of weeks later, I saw on my online banking that {$400.00} had been debited from my account on that day. Also, they charged me for 4 overdrafts amounting to {$140.00}. I made numerous claims. All were denied. I then wrote to the State of CT, Dept. of Banking who forwarded the information to you. I was contacted by 2 employees eventually, Mr. XXXX and XXXX XXXX. They were supposed to contact me on XXXX XXXX between XXXX-XXXX. When they didn't I left a message on their voice mail and wrote to you. I was finally contacted by Mr. XXXX after I left my message and wrote to you. They, of course, denied me again and very importantly refused to show me the proof they said they have. They keep saying I need a subpoena, but in CT that is only required if it is a court case. If they really think they are right, they should want me to see the proof. But they can't have proof because I never got the {$400.00} that day. I walked out of there with my ATM card. I have called the Judicial Dept. and I can't get a subpoena without an attorney. I can not afford that since I am on XXXX and get very little from Social Security. They have told me that I only need a subpoena of any kind if it is a court case. You would think after 34 years they would want to show me some consideration. Mr. XXXX was not very business-like when I last spoke to him. He continually spoke over me. I would appreciate any help you can give me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, XXXX charged off the Wells Fargo account # XXXX. Its reports CO. Now Wells Fargo did not issue the 1099-c to me. It is now considered a certificate of indebtedness. A charged off debt is now considered income according to the IRS publication. Income can not be reported on my profile. I have sent Wells Fargo Dealer Services my opt out form which is attached. Please update the account and payment history as paid as agreed.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief