BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im having credit issues over credit cards accounts that are not mines which is bringing my credit score low because its being told this is my debit some of these cards are over 7 years old and are not my credit cards or my debit its fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: CBC Companies, 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: Personal information incorrect

Complaint:
XXXX XXXX and XXXX showing wrong address and names and added accounts Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act ( 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have submitted theses accounts that are not mine to each of the credit bureaus. I have not been able to resolve this concern at this point. My information was used without my knowledge to open these accounts. I need this matter resolved as timely as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: KS
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete this immediately : XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
see below letter dated XXXX to Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX TUESDAY XX/XX/XXXX United States Mail XXXX XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Fax XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Phone XXXX XXXX XXXX, XXXX and Managing XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, CO XXXX Regarding : XXXX MORTGAGE ASSISTANCE XXXX forbearance approval and XXXX money request. Hardship began XX/XX/XXXX. 
Third mortgage assistance application sent to Specialized Loan Servicing XXXX Property location at XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX held the mortgage note in XXXX and XXXX Specialized Loan Servicing my loan on and after XX/XX/XXXX XXXX Loan # XXXX balance about $ XXXX as of XX/XX/XXXX XXXX XXXX of Specialized Loan Servicing : Enclosed please find the following documents : XXXX. XXXX XXXX faxed to XXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX ; XXXX. XXXX Completed Mortgage Assistance Application on XXXX form XXXX ; XXXX. XXXX Unemployment Hardship Affidavit of XXXX XXXX. 

I filed a XX/XX/XXXX Consumer Financial Protection Bureau Complaint # XXXX in about XX/XX/XXXX against XXXX and/or Specialized Loan Servicing. You began servicing my mortgage in about XXXX and I was adversely affected. If I am eligible for financial compensation from the XX/XX/XXXX settlement that SLS made with the CFPB please let me know because I did not receive any compensation. Thank you for promptly approving my Mortgage Assistance Application request for a 36 month forbearance starting XX/XX/XXXX due to an Unemployment Hardship that began XX/XX/XXXX. Although my XXXX application was already faxed to you twice today, I am placing this letter with the enclosures in the United States mail today. The mortgage assistance application dated XXXX on XXXX Form XXXX supersedes all previously submitted requests for mortgage assistance. 

Today I am unemployed. Please review the enclosures itemized above. Thank you for approving the XXXXmonth forbearance requested in item # XXXX above due to an unemployment hardship caused by XXXX XXXX. Thank you in advance for wiring money due me from the CFPB settlement to my bank account. 

Sincerely, XXXX XXXX Enclosure : XXXX Mortgage Assistance Application dated XXXX forbearance requested Affidavit of XXXX XXXX Unemployment Hardship dated XX/XX/XXXX 2022

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, I gave my Capital One credit card and drivers license to the bartender for a running open tab. I had two legitimate charges for {$390.00} and {$1500.00} but found out a few weeks later the bartender had also run my card for {$3000.00} and again for {$7500.00} without my knowledge. These were not my charges and need to be removed from my bill. I have been dealing with Capital One the entire summer, first being told to submit to Visa as a dispute, then as fraud, then back to dispute. When the actual signed receipt for these two disputed charges was finally submitted by the merchant, you can clearly see it is not my signature, but since the merchant included a copy of my drivers license and credit card, Visa somehow considers it them legitimate charges and refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Consolidated my loans, ALL of them but they excluded one which they claim was not included but have repeatedly ask them to review as I believe it was included. While I was current on my consolidated payments when these problems began, they continued to contact 3rd parties - did not verify who they were talking to.. one 3rd party said he was me and they discussed the loan in detail with that 3rd party who then forwarded that information to me.

Served them with a Cease & Desist which is ON FILE on my account. As soon as they received it, my Account rep started calling me and leaving me voice mails saying they didn't receive any letter from me, but I had not contacted them period or communicated that to them in any other fashion.

They continue to contact 3rd parties, harass. 
here is the verbiage of the letter that I have sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Navient XXXX XXXX   XXXX XXXX, PA XXXX XX/XX/XXXX CEASE & DESIST Under my federally protected rights that include the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, in addition to my rights under the Telephone Consumer Protection Act 47 U.S.C. 227.

I hereby officially notify your agency to CEASE & DESIST with ALL CALLS to ANY AND ALL PARTIES not specifically authorized by me in writing and may only utilize my email, account inbox and/or US MAIL to communicate any concern in writing.

You may REASONABLY communicate with me in WRITING only! 
I am aware of the numerous CLASS ACTIONS against your organization I will be joining those actions, or filing my own action and/or complaints with appropriate agencies. 
This will additionally show yet another attempt at mitigating the damages for the above cited concerns. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation.

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

My rights as a consumer are being violated repeatedly by this company.

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 2020-11-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a notice from XXXX XXXX  XXXX that someone used my credit information Fraudulently on the date of XX/XX/2020 thereby causing an Inquiry on my Experian and XXXX XXXX XXXX XXXX / Report that was not in any way Authorized., I did attempt to call both Experian and XXXX XXXX Credit Bureaus on the Day of NXX/XX/2020 and talk XXXX one of their associates, but was remanded on hold for hours on end., This Specific Inquiry is that of XXXX XXXX on the date of XX/XX/2020 2020

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 2018-04-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from Mitchell Bluhm Law regarding a bill for my adult son stating it was an older bill from XX/XX/XXXX with a balance of {$170.00}. I contacted MBA Law and set up payments with my debit card. After they have my card information, the next letter I get states the date of service was in fact not form XX/XX/XXXX, but from XX/XX/XXXX. The letter was dated XX/XX/XXXX. NO account is going to go to collections in 4 weeks time. They had already taken payments out of my bank account with the impression that this was an old bill, not a bill from 4 weeks ago.. and my son was not in the hospital on that date. So I called MBA on XX/XX/XXXX twice and left 2 messages questioning this, and asking for a call back. I emailed 2 people asking them to stop the payments ( they told me on initial contact that I could request to hold payments ). I got ZERO response from either contact. So I called again on XX/XX/XXXX, XX/XX/XXXX. So on XX/XX/XXXX I contacted my bank and told them what had happened. My bank reversed the charges and put a request in to MBA for contact. The next thing I get is a notice that they have reported me to the credit bureaus. Without even acknowledging my requests for clarification of a debt that say I owe for my adult, XXXX son who is also on XXXX. Yesterday, XX/XX/XXXX I called MBA again and left 2 messages. I got no returned call. Today I have emailed them twice, no return messages. But yet they want my money and can not validate a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
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: Credit inquiries on your report that you don't recognize

Complaint:
In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at    XXXX    that  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my   Credit History is fixed and does n't continue to drop?
Thank y  ou.

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 2021-09-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Agency contacted both my ( XXXX ) and my mother 's ( XXXX ) cellphone advising that there was a legal case against me ( case # XXXX ) but could not provide a specific court where the case would be heard. They advised the plaintiff was Best Buy Inc ( whom I've contacted and Best Buy Inc has no record of any transaction ) for " breach of contract '' among other things. I requested an email with supporting documentation, which I received but does not appear to be legal documentation for a court case ( I am happy to provide if necessary ). The transaction in the amount of XXXX does not appear on my credit report through XXXX. The agency ( XXXXXXXX XXXX ) web address provided appears to be " under maintenance ''. The agency called from XXXX and used a secure email to send the documentation ( 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 2021-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Wells Fargo Sent Consumer an Email Requesting Extra Time for their investigation of the Consumer Complaint. 

How ever Wells Fargo is using an XXXX encryption of their attachments with instructions for Consumer can do. 

Wells Fargo Please reduce your encryption process in A LETTER & MAIL IT to ConsumerS ADDRESS. 

Thank you, 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 2020-09-22
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SENT A LETTER TO MERCHANT ADJUSTMENT SERVICES, INC ON XX/XX/2020 ABOUT AN ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE, I ALSO REQUESTED INFORMATION ABOUT THE VALIDITY OF THE ALLEGED DEBT THAT I HAVE NOT RECIEVED.I HAVE ATTACHED A COPY BELOW OF THE LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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