BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2019-08-01
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - verification through the physical verification of an original signed consumer contract or promptly remove from my credit file to which they have repeatedly replied with XXXX are also in violation of HIPAA : to which I have recently requested documentation of what they recieved from the provider of service in connection with this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On numerous occasions, know Wells Fargo is regulation E in defiance of settlements of the government which is causing economic harm because my card was cloned on multiple times they refused to give me back my money stonewall every time I filed a complaint with you guys send any more time to look into it, and I have charges are still trying to come on my account from the XXXX XXXX of XXXX, Texas and Ill kinds other places and I live here in the XXXX XXXX XXXX area. The bank is well aware of that, but they keep refusing to give me my money back and then cause severe economic harm to where I had to even sell my XXXX XXXX XXXX phone and XXXX and I owe XXXX XXXX XXXX  money because Wells Fargo denied the charge on my account even though I transfer the money from my savings to my checking to cover it by prioritizing deposit, debits and make it look like that I had the money to pay for it when in fact, you know the timing I didnt because they prioritized debits in the financial regulation E and so far they keep stonewalling, and I want my money back home and take them to court within one week at the end of next week. If this is not resolved, Im taking him to court not only do I want every penny of the fraud back, I want the loss of my XXXX and XXXX back in my account and the six {$35.00} nonsufficient fund fees that I got ate by XXXX XXXX XXXX XXXX XXXX XXXX charge me not Wells Fargo making that clear theyve lied to this agency over and over again, and Ive had enough.

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 2023-09-20
Company: Experian Information Solutions 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:
This is my several 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 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 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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent a letter to Transunion to dispute a account listed on my report as unverified on my credit report I listed XXXX XXXX XXXX and I listed it unverified or unknown to me I asked for a deletion the response I received was that they could not find said debt on my account and it must be listed with another credit agency well how can they say that when I have proof on my XXXX  app that list my 3 credit report and TransUnion being one of them tthey could not find this particular company XXXX XXXX   XXXX  I am submitting there letter and a screenshot from my own app the same name listed on my app for this company XXXX XXXX  XXXX for deletion from TransUnion if I found it why cant they?

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 2022-02-16
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX was sent police report still reporting on credit they took it off put it back on cra violation XXXX breach cost me my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Account status incorrect

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. 
XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN : # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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 2022-03-26
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-27
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) discover bank last four account number # XXXX 2 ) XXXX XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX  last four of account number # XXXX XXXX XXXX XXXXXXXX last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX To whom it may concern, I'm filing this complaint against LoanCare LLC, in the hopes that you will demand that they correct their mistakes. I was approved for a trial payment plan on XX/XX/XXXX - my payments beginning XX/XX/XXXX and ending XX/XX/XXXX I made a courtesy call to them on XX/XX/XXXX and spoke with XXXX who told me that there was no such modification approval. That it was approved, but a supervisor overrode that determination, based on the fact that I had a modification completed in XXXX of XXXX LoanCare claims that Federal guidelines prohibit a homeowner from re-applying for assistance for 24 months. While that statute is, in fact, in place - it applies to loan modifications that are completed AFTER its implementation date which was in XXXX. MY modification was completed in XXXX Not only that, but, I have an FHA loan and the 24-month reapplication period does not apply at all. To make matters even more exasperated, I've spoken with Lawn Care five more times and was told each and every time that the file would be escalated and reviewed by management XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX XXXX - file escalated and Underwriting was directly contacted regarding this matter on XX/XX/XXXX XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update/no record of modification approval on file It's painfully clear that LoanCare is intentionally deceiving me and these business practices most certainly violate Federal Servicing and Compliance guidelines. I'm asking that you step in and demand that they follow proper federal legal procedures regarding this modification. 

Thank you for your assistance with this and I'm available at the email address and phone number provided any time 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 2022-03-26
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:
I was alerted to check an update on my credit profile and found an account that DOES NOT BELONG TO ME, where someone added me as an " AUTHORIZED USER, '' to a XXXX XXXX retail account with a limit of {$3500.00} ... currency overdrawn over XXXX. Furthermore, my current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. ALSO, the only phone numbers CURRENTLY REGISTERED to me are as follows : XXXX and XXXX. PLEASE REMOVE ANY OTHER PHONE NUMBERS, ESPECIALLY XXXX, which was stolen with XXXX XXXX XXXX back in XX/XX/2021. I have notified the credit bureau and 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 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX 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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern this is not a third party so stop sending me letters to my house saying third party this is me XXXX XXXX XXXX XXXX PERSON THEYRE ARE these items in my credit file are from unauthorized I CALLED XXXX XXXX TIMES THEY ARE ABUSING ME MENTALLY N VERBALLY IM AM CURENTLY GOING THORUGH a XXXX  situation with my child father and I am living in a homeless shelter with my kid because XXXX won't delete these XXXX accounts which isn't mines they keep telling me they need the proper documents I sent them numerous time actually I have tracking number also # XXXX with XXXX they keep ignoring me and promising they would delete it in 4 Buisness days BLOCK AND DELTE IT OFF MY CREDIT they keep lying to me repeatedly im losing sleep I cant eat my mental is very bad because of XXXX ruining the character of my name and household I cant even get a house to put my kids in I didn't even use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything I did.they keep saying they waiting for a response from the company its been 4 months n no response from the company im unaware of accounts any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. I XXXX XXXX I'm writing to you to ask that you get rid of this erroneous information about me as a natural person from my credit report. There is a list of the things I want removed in the ftc report. Because I never gave any of these businesses my written consent or a valid purpose, which corporations are required by law to have, I am definitely a victim of identity theft. These unfair, deceptive forms are hindering my ability to use consumer credit to buy a home for my family, therefore I'm really asking the consumer to delete the inaccurate information from my consumer report in order to fix my consumer report. I NEED HELP SOMEONE HELP ME PLEASE

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 2020-03-18
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ID THEFT DISCOVER ACCOUNT NEEDS TO BE REMOVED. SSN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/23. & XXXX XX/XX/23. {$50.00} XX/XX/23 {$20.00} XX/XX/23 {$200.00} XX/XX/23 {$300.00} These amounts were transferred from my personal checkings accounts to my investments and it does not include amount already in my investment account. 
Plus interest earned. 

I noticed a {$300.00} and they simply responded with s to stating amounts were reversed. That was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE SERVICING we have attempted several times via phone, faxes and a complaint form we got online from you company. A couple of our payments are not posted in the Payment History. We supplied the Payment Research Department with bank statements verifying the payments missing. After speaking with a representative we were told their records are correct. That we have difficulties understanding the differences in payment and posting dates. Even with those differences the payments should yet show on the history as posted.9 pages sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on a couple of the faxes we did not have the exact day. These were dates we attempted to reconcile with their payment history.Calls also made corresponding to fax dates and many others.The amounts are {$940.00} times 2, this is our monthly mortgage amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and 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 which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXXXXXX

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 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX, I tried to make purchases of Bitcoin through a payment service that sends Bitcoin to your wallet after your payment processes. I tried multiple times on different days and every time my card was denied. Later on, I noticed that 4 times the money was actually taken out of my account but I had never received the Bitcoin. I contacted capital one about it and 3 months later I get an email stating that 2 of my disputes were approved and two were denied. I have been contacting them about it and they are still not helping me with the two charges that were denied. It makes no sense to me because all 4 charges were of the same nature, yet only two were approved. The denied charges were on the following dates for the following amounts. 
XX/XX/2019 for {$1000.00} XX/XX/2019 for {$1500.00} Thanks

Company response to consumer: Closed with explanation