BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which 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, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/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 4 business days after the date of receipt.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: NY
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:
This Information is Incorrect 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 explanation
Consumer complaint received 2022-10-24
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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX FL XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX  XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.

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: TOYOTA MOTOR CREDIT CORPORATION
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The customer, which is me, thought that autopay was set up in XX/XX/2023 after the vehicle was leased. He connected his bank account for the first lease payment and expected that this account would continue to be debited for the duration of the lease. Instead, auto payment was not set up and as a result payments were not made. Although Mazda sent paper statements, it never used the customer 's email address or cell phone number to communicate that payments were past due. As a result, the customer did not become aware of past due payments until he received an alert from his credit monitoring service at which point he made the payments immediately. Mazda should have notified the customer in an effective manner upon the first missed payment, especially on a new account. Failure to do so resulted in a decrease in the customers credit rating and material damage to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: W&A Intermediate Co., LLC
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:
Choice Recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$280.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Choice Recovery failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Choice Recovery and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: ASSOCIATED BANC-CORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They responded to my previous CFPB complaint with a letter addressed to someone else about a completely unrelated complaint. They have not responded to my complaint and now ( because they submitted this unrelated letter in response to my CFPB complaint ) my previous complaint is now closed. This relates to XXXX that was missing in a botched electronic transfer on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX 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 2023-02-10
Company: W&A Intermediate Co., LLC
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 Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts 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, And I DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These XXXX XXXX are violations and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Information belongs to someone else

Complaint:
Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. This has lead to fraudulent accounts being placed on my report. 

Innovis, please disregard the sections of the attached dispute letter do not pertain to your company. The fraudulent accounts that pertain to your institution, please see them listed under your name. Please note that the attached dispute letter includes other credit reporting companies. Also, please note that I have attached the appropriate identification inside of the dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-29
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, XXXX XXXX XXXX was billed for {$54000.00} with my personal information. 
I disputed this debt, and I still haven't received a response in regard to this account reflecting on my credit file and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MD
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on 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 2023-04-28
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 with the fair credit reporting act XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2022 I paid off the card. I called to get the current balance and while on the phone, paid the stated balance off. Lane Bryant continues to charge me and I cant understand their customer service reps. Every month since payoff they add more money to balance. 

My payoff per their credit card phone system needs to be honored. 

It should not be this XXXX to do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$960.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
This to me is crazy. So Im submitting it again hopefully for the last time. Experian and XXXX have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 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 explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: VA
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:
The following addresses are not mine 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Harris & Harris, Ltd.
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 company, Harris & Harris, call me at least 3 times a day, everyday, about some kind of debt that I owe. I told them I do not owe anyone a delinquent debt and too stop calling me but they keep calling me. Please have them stop harrassing me! These calls have been going on for over a year! 
There has to be a law against these companies. They're phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a Savings account as well as a Checking account with Truist, both of which have since been closed. 

RE : the Savings Account - I never paid any bills from this account, only transferred money to it and occasionally transferred large amounts out from it to a larger credit union account. Starting in XX/XX/XXXX, the account started to be hit with monthly DIRECT debits from two service providers, XXXX and XXXX. Both are companies I deal with for my own service, but these direct debits were completely separate from my normal monthly payments from checking. 

As I believed the savings account to be secure and rarely touched it myself, I did not monitor it closely, and I finally caught the issue in XX/XX/XXXX. 

RE : The Checking Account - the situation with Savings prompted me to examine Checking again, and I found a few smaller, unauthorized amounts direct debited there as well, also from XXXX, going back to XX/XX/XXXX. They had occurred alongside, but clearly separate from, my normal monthly charges. 

There is no one among my family or friends who would have had access to these accounts, and my only guess is that an online banking password breach may have caused it. 

Upon discovery of all, I immediately filed a fraud claim with my local Truist branch detailing all dates and amounts, and I closed all my existing accounts. 

Truist has been considering my claim for a couple of months, and has returned a few amounts ; however, most of the amounts, though they were still within the allowable window of time for consideration ( 6 months ) and I signed to verify that I did not authorize them, have been declined, presumably because of Truist 's inability to recoup funds from the carriers in question. 

This complaint is only concerning those amounts that were within Truist 's 6-mo. statute of limitations, yet still declined. 

The amounts in question are below. 

SAVINGS ACCOUNT XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$250.00} XXXX XXXX {$320.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$290.00} XXXX XX/XX/XXXX {$270.00} XXXX XXXXXX/XX/XXXX {$200.00} XXXX  XX/XX/XXXX {$460.00} XXXX CHECKING ACCOUNT XX/XX/XXXX {$90.00} XXXX  XX/XX/XXXX {$97.00} XXXXXXXX XX/XX/XXXX {$90.00} XXXX XX/XX/XXXX {$90.00} 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 2023-06-16
Company: OLD NATIONAL BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I was invested through e mail technology in XXXX at FIRST MIDWEST BANK XXXX Sum of legally Paid for me US {$5.00} XXXX XXXX for me from United states of Government legally so it was informed to me by United states of America XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION XXXX XXXXXXXX : Thanks for your email and response in confirming you don't know XXXX XXXX. we have filed a report in having him arrested for false claim in stating you sent him to claim your fund. 

This is to notify you that we have finalized your fund transfer process and also forwarded a telex message to the payee bank which is the First Midwest Bank to effect your payment through their online banking system. It has been settled by the government that the XXXX XXXX XXXX United States XXXX will be transferred through First Midwest Bank. 

Your information has been forwarded to First Midwest Bank to enable them to set up an online bank account with your name and information to enable you Transfer your fund from their online account to any of your local bank account coordinates. 

For a satisfactory payment relief and acknowledgment, you are directed to forward your Claim request and inquiries to the First Midwest Bank via their below operational Channel email address below : Contact Person : XXXX XXXX XXXX XXXX XXXX XXXX, Email : XXXX after I was up dated to XXXX XXXX I was Contacted the Bank XXXX of XXXX XXXX XXXX XXXX XXXX for my investments And to date what I was invested to This Bank No Any responses for al legal funds?

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 2022-12-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2023-09-08
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX hasn't sent me a single item or call so I haven't been given any opportunity or means by which to repay the debt. XXXX dispute options were limited so I had to call them, but XXXX removed it on this basis, and as yet it's not on XXXX. 

They haven't contacted me prior to reporting nor since.

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