BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
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: Public record information inaccurate

Complaint:
I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX XXXX XXXX  XXXX ) Because the account name being reported by your company and XXXX are different ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) and XXXX is XXXX a different name ( XXXX XXXX XXXX XXXX ), this means the account has not been properly verified. Please delete this account immediately. 
Please remove ANY other information you are currently reporting as they are NOT accurate. Pursuant to Sec 602 ( a ) Accuracy and fairness of credit reporting 100 % accurate. Sec 602 ( b ) It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
Violations of this subchapter Sec 616 ( a ) ( 1 ) ( A ) Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who willfully fails to comply with any require- ment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each violation. Sec 616 ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2023-11-02
Company: EQUIFAX, 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:
This is my endeavor to tell credit bureaus 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 an alleged extortion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I order a copy of all XXXX credit reports and I notice that bankruptcy was on all XXXX reports XXXX, XXXX and XXXX I disputed this bankruptcy and i ask all XXXX credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper. They also stated they got information from lexus nexis which I sent them a dispute in the mail and they refuse it and refuse to work on my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a inquiry from XXXX XXXX on XX/XX/2023 on my experian credit report, that I did not apply for. I did not apply for any credit card at all recently.

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 2023-06-12
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have not received my {$100.00} bonus for the Savings Offer promoted by Marcus ( By Goldman Sachs ) in XX/XX/XXXX. I enrolled in the offer on XX/XX/XXXX and initially had a transfer of $ XXXX from a Marcus XXXX. Since this was from a Marcus account and would not have qualified for the offer, I withdraw the money and deposited the required $ XXXX by the deadline from a separate account. I kept the money in for the required 90 days past XX/XX/XXXX. 

I contacted customer service but the representative named XXXX was not able to understand and help with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This shows in my credit wise report and in my credit report and I dont remember ever getting any card or loan from this place. ( Spring Oaks Capital LLC ) original lender ( XXXX XXXX XXXX XXXX ) collection/charge off for {$630.00} reported on XX/XX/2023. It says the account is 1 year and 10 months old. I did not apply for anything on those dates!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it from my credit report.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

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 2023-06-25
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: Reporting company used your report improperly

Complaint:
In Accordance to Fair Credit Reporting Act XXXX XXXX Account # XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N Accordance with the fair Credit Reporting Act XXXX  AccounXXXX 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 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 2018-10-17
Company: Stewart Information Services
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We would like to file a complaint on Stewart Title of California for {$55000.00} NSF deposit for Escrow not disclosed to us. On our 21 day escrow per the sales contract originally dated XX/XX/2018 we received confirmation XX/XX/XXXX they had received funds, but were never later notified that the funds were non-sufficient. We and Stewart title moved on with the escrow, we the seller made trips to Arizona for replacement property, hours of time and thousands of dollars were spent on Home Inspections, Pest Inspections and subsequent repairs, packing, renting storage, satisfying escrow and title needs with the knowledge that a deposit was in escrow. The buyer removed all contingencies on XX/XX/2018 and these monies were considered ours as the sellers. We then went on to sign all documents to close escrow at Stewart title in XXXX XXXX, Ca on XX/XX/XXXX assuming our property was sold. It was not until XX/XX/XXXX that Stewart Title notified all parties that they were resigning as title holder and terminating the escrow and at that time we were told that there were no funds to close the deal and the original funds previously acknowledged were not available. 
As the escrow holder being the State Custodian of funds until released per contract which was non-refundable to buyer. Stewart Title violated the Contract, Escrow Agreement and Fiduciary Duties as Escrow Holder. As we were given no update that there were any issues with the escrow or the funding until days after signing the final sale documents, we believe Stewart title is responsible to pay us the complete sum of the liquidated damages of {$55000.00} per the sales contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
XXXXXXXX XXXX {$2200.00} for a credit card I never received due to XXXX XXXX XXXX stealing all my USPS mail . 
She stated she charged {$5000.00} and XXXX credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX. ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 This is my accurate address XXXX XXXX XXXX XXXX XXXX, LA 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 2021-12-21
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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2023-11-02
Company: EQUIFAX, INC.
State: TX
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
-Experian Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX  Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX  , PA XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.

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 2023-06-12
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've sent two cease and desist letters certified mail to Citi Bank and both have been ignored. I receive repeated phone calls every day, I receive phone calls at work, and they have even contacted my family members despite both my letters specifically stating they do not have my permission to contact my phone number, my family members, and that my workplace does not allow these types of calls.

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 2021-07-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.

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 2023-11-02
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; 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 alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ DATA INTERNATIONAL reported to my credit report without verify debt with me. I have knowledge of the debt or the original creditor. I dont have any contract signed with them or original creditor on the account.

Company response to consumer: Closed with non-monetary relief