BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} ; If XXXX  and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.

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 2022-09-16
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
I am filing this grievance as Im at my wits end with communicating with TD BANK US HOLDING COMPANY. This complaint stems from issues with the TD Bank website. As with all my credit tradelines, I set up auto pay for my account to ensure the payment obligation is met monthly. However, unbeknownst to me, the auto pay did not save within their system. When I reached out to TD Bank once I was alerted of the missed payment ( as in my mind I was setup on auto pay ), I was advised I am not enrolled in auto pay & that I should have received an email advising the auto pay set up. How is one to know that as I am not employed by TD Bank to know the confirmation process? It is my experience given the digital age were in that when there are errors it wont allow you to proceed yet there were no alerts in RED or otherwise to advise the entry was set up incorrectly. I take great pride with my credit obligations, hence the auto pay, and have never experienced the lack of customer service or accountability that I have had with TD Bank, which resulted in the closing of the account. I would like the XX/XX/2022 XXXX-day late hit removed from XXXX, XXXX and XXXX due to erroneous and inefficiency with TD Banks website & their alerts. Being in an industry of proving a service to customer, this experience has been a lack thereof. Hopefully this wrong can be made right. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Attached to this complaint is a letter from XXXX XXXX for Trans Union, XXXX, and XXXX review. XXXX XXXX was unable to verify the accuracy of bankruptcy case number XXXX. XXXX XXXX is requesting for Trans Union, XXXX, and XXXX to immediately review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my Trans Union, XXXX, and XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was a victim of fraud with the Bank of America Edd XXXX debit card. On Monday XX/XX/2023 when my benefit payment went through somehow my debit card was duplicated along with my pin number and my account was emptied from an ATM. I called Bof A and reported it immediately. I waited 9 days for them to complete their " investigation '' with no possible way to get any kind of access to my funds. I was told a new card was sent a week prior and that I should have received it by now. I never received anything so I asked them to please send me another card in hopes to prevent further fraud. On Tuesday XX/XX/XXXX ( 15 days later ) I finally receive the new card. I activate it and head to an ATM to finally pull out some cash only to be declined. I call answer all of my security questions and still I am denied access to my unemployment insurance. So ultimately what I have gathered is that Bank of America will hand your money right over to criminals but refuse to give the Unemployment " insurance '' funds to who it belongs to.

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 2020-12-29
Company: EQUIFAX, INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-12-29
Company: Experian Information Solutions 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:
Actually, I have indicated not my accounts in my credit report. The information in my profile reported wrongly. I do not want to see it anymore in my report so please remove these accounts as I do not recognize them. Somebody I guess used my personal information its like identity theft. So please recheck and delete. 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 2020-09-23
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2020, I disputed inaccurate information on my Equifax credit report. That dispute number is XXXX. I never received a response from Equifax. I called to check the status on XX/XX/2020. The first representative said he didn't see the dispute. I explained to him it was just pass the 30 day mark, and gave him the dispute number. I told him I was reviewing it on their website. he placed me on a brief hold, then a supervisor came on the line and told me the investigation was completed on XX/XX/2020, and the information would remain on my Equifax credit file. I questioned why wasn't it showing completed on their website, but she didn't have an answer. I asked her what was the method of verification they used to complete the investigation, and she confirmed they verified via XXXX XXXX. I asked if she could send me a copy via US mail, and she agreed, since I had not received a response from Equifax. 

I also checked my XXXX XXXX consumer file. There is no indication that Equifax verified any information since the ordinal date of my dispute. It doesn't show an inquiry from Equifax, so I'm wondering how they verified and completed the investigation. 

As of today, I still have not received any communication from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-12-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 a fraudulent Midland Credit Managment Co on my credit. I have paid this collection despite it being not mine as the company promised to remove this account from my credit. This account is continuing to report on my credit despite being fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27
Company: Experian Information Solutions 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 was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
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:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries, I have contacted the Creditors and they have No Evidence of Credit with them .Enclosed is a copy of my Identity Theft Report supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint. 
I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided. 
These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's. 

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my Equifax credit report and I was told that I am not able to access it on line without a valid explanation. 

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error. 

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
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: Account information incorrect

Complaint:
XXXXAR CU REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} XXXX  AND EQUIFAX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX  HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When I went to check my credit, I noticed that I had 3 unfamiliar inquiries on my credit report. I quickly called the XXXX XXXX XXXX, and they confirmed that there had been 2 applications and 1 open account. Then in the mail, later, I found another application that was denied. Someone is trying to get credit cards in my name, and I believe it is my mother or her husband. The places they went to were in the area for where they live. ( around XXXX, TX ) This isn't the first time that this has happened to me either, the same thing happened in XXXX, and I filed a report as well. And then also they had a collections in my name years back. I have the application that was supposedly signed in XXXX, TX XX/XX/XXXX, but I was in XXXX XXXX, taking a flight to XXXX early that morning. This resulted in a bill of collections for {$1300.00}. This is ridiculous. 

Please see below the recent frauds in my name. 
XXXX XX/XX/XXXX- ComenityBank / XXXX- application made in store XX/XX/XXXX - ComenityBank  / XXXX -application made in store XX/XX/XXXX - ComenityBank / XXXX - account opened XX/XX/XXXX XXXX XXXX / XXXX XXXX - Letter in the mail saying my application was denied Also, especially, during the XX/XX/XXXX frauds, I work offshore and could not have been able to go into a store. and the XX/XX/XXXX XXXX, I was just flying back on land to XXXX, LA at around XXXX and took a hotshot to my house through my company. The Comenity Bank representative was able to confirm that the stores were in XXXX, TX and XXXX, TX. I worked with XXXX and XXXX to put a freeze on my account. there has to be something done about these people trying to open credit cards in my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
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:
My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 ) XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX  XXXX {$100.00} 12 ) XXXX {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.

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