BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXXXXXX Balance : - 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

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 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
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. 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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
I'm requesting that Capital One please update the name on all three of the accounts that I currently have with them. My name is spelled incorrectly. I have attached supporting documentation to support my request. 
THIS UPDATE SHOULD BE COMPLETED FOR THE ACCOUNTS ENDING IN : AUTO LOAN XXXX CREDIT CARD XXXX CREDIT CARD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
TransUnion is reporting some fraudulent inquiries on my credit report from these companies : XXXX  XXXX- three duplicate entries. 
XXXX XXXX- two duplicate entries. 
XXXX XXXX two- duplicate entries. 
XXXX XXXX-two duplicate entries. 
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 2023-09-14
Company: Experian Information Solutions Inc.
State: WA
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 all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: MO
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:
According to 15 USC 161a2 these companies XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company XXXX # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I '' am writing you this letter regarding payments that were marked late by XXXX  for the following accounts on the following dates.. XXXX XXXX XXXX XXXX.. It is my understanding that per 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company.. 
Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15... 
You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not verify the late payment on that date spacifled above.. 
Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( XXXX, TransUnion & XXXX ) or all that apply and updated the account to positives and remove the late payment from my account..

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 2018-03-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax haven't been updating my information ( Credit Score ) since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EMCC Holdings, LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Subject : Complaint against XXXX XXXX for Deceptive Practices and Equiant Financial Services for Unfair Collection Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for their deceptive practices during a timeshare presentation and subsequent failure to fulfill the promised services. Additionally, I wish to bring to your attention the unfair collection practices by Equiant Financial Services, which is related to XXXXXXXX XXXX 

On or about XX/XX/2023, my partner, XXXX, and I attended a timeshare presentation with XXXXXXXX XXXX Despite expressing our lack of interest, a sales representative persisted and introduced a senior representative. They presented an offer to acquire the full timeshare package for {$8000.00}, which included ownership, XXXX points, and access to offerings valued at {$120000.00} or more. Believing it to be a remarkable deal, we made a down payment, with the assurance of an owners meeting to explain usage and benefits. 

However, on approximately XX/XX/2023, during an owners update meeting, we discovered that none of the promises made during the presentation were accurate. We were informed that to receive what was initially promised, we would need to pay an additional {$60000.00}, and that none of the prior assurances were valid. Confronting the representative, they admitted to engaging in bait and switch tactics and refused to address the situation. 

Following this encounter, we lodged a formal complaint with XXXX XXXX, expecting a resolution. Unfortunately, they failed to provide any meaningful response or remedy to our concerns. 

We attempted further communication via phone calls, emails, and mailed letters, all of which remained unanswered. Additionally, upon reviewing my credit report on XX/XX/2023, I discovered a collection entry from Equiant Financial Services. When I contacted Equiant Financial Services at XXXX, I learned that it was related to XXXX XXXX. The representative transferred me to XXXX XXXX, where another representative claimed that XXXX had again denied receiving the recording. 

It is evident that both XXXXXXXX XXXX and Equiant Financial Services have engaged in unfair and deceptive practices, causing significant distress and financial harm. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into both entities for their deceptive practices and unfair collection tactics. 

Enclosed with this letter are relevant documents, including emails, letters, records of phone conversations, and credit report details. 

I trust that the Consumer Financial Protection Bureau will take swift action to protect consumers from such unethical practices and hold XXXX XXXX and Equiant Financial Services accountable for their actions. 

Thank you for your attention to this matter, and I look forward to a just resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: TN
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 all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MO
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:
I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, I requested for an LP, they did not provide me with the original contract as i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started trying to contact University Accounting Services on XX/XX/XXXX with regards to 2 student loans from XXXX XXXX account name : XXXX XXXX XXXX, although my name at present is XXXX XXXX XXXX - XXXX : XXXX ). I became aware that these loans were STILL not paid due to a background investigation that was being done by my new employer, XXXX XXXX. I was advised by the XXXX ( in charge of my background investigation ) that, in order for my clearance to be granted and to continue my employment, I needed to contact UAS to set up a payment plan and make the equivalent of 3 months worth of payments. It needs to be noted that setting up the aforementioned payment plan is made significantly more difficult by the fact that the loans are as old as they are. Initially, UAS didnt seem to have a clue about how to proceed with this. After a couple of weeks, it was determined I needed to file a rehabilitation deferment application before a payment plan could be set up. I was sent the wrong form, contacted UAS again and requested the correct form, but never received it. After multiple calls about the form, it was determined a rehabilitation app had been filed on my behalf, but, yet, no one had bothered to TELL me this, causing me to waste my time trying to figure this out. I have sent multiple emails to a representative by the name of XXXX XXXX, asking for an update and, yet, have received nothing. On yet other calls to UAS Ive been told that I needed to set up the payment plan with my XXXX mater, XXXX, NOT them, which is incorrect. This whole situation is a HUGE mess. Trust me when I say I have provided the " summarized version '' here. At this point, I can do nothing to resolve this until UAS gets their act together

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: AL
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:
Fraudulent accounts on my credit

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 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-02
Company: EQUIFAX, INC.
State: SC
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 EQUIFAX, via certified mail, a dispute pertaining to accounts on my credit report which contained inaccurate information. I requested an investigation of the disputed accounts. One of the disputed accounts on my credit report is ; Account Name : XXXX, Account Number : XXXX. I disputed that this account is inaccurate and does not belong to me. Within 30 days EQUIFAX provided me with their investigation results, which I received on XX/XX/2023 via USPS mail. Within their investigation results, there was NO verification or modifications of Account Name : XXXX, Account Number : XXXX. I did not receive verification of the above mentioned account within 30 days nor was I notified of a need for EQUIFAX to extend their investigation on the account, being that I did not provide any additional information for them to do so. EQUIFAX has violated my rights by continuing to report this account on my credit report. This inaccurate and unverifiable information must be removed immediately from my credit report. EQUIFAX did not respond nor verified this account on my credit report within a reasonable timeframe as established by the FCRA which is a violation of the FCRA. I have evidence to prove my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
These following accounts furnished my information without having my written consent and according to the Fair Credit Reporting Act I have the right to privacy. please delete the following accounts from my credit reports immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: The Best Service Co.,Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX Partial account # XXXX Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Address ID # XXXX Terms : 1 Months Original Creditor : XXXX XXXX XXXX XXXX Monthly payment : Not Reported Type : Collection Credit limit or original balance : {$460.00} Payment history : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX is saying that the checking account was charged off and is listed as account closed on XX/XX/XXXX due to account abuse but I didn't ever commit such acts. They only paid for ( 1 ) EFT TRANSACTION MERCHANT : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX CK # XXXX AMOUNT : {$340.00} DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX WAS OPENED AROUND XX/XX/XXXX AND WAS DONE COMPLETELY ONLINE. THEY BLOCKED MY ACCESS FOR SECURITY REASONS AND I HAVE NEVER BEEN ABLE TO USE MY DEBIT CARD NOR HAVE I EVER RECEIVED ANY MONTHLY STATEMENT FROM THEM. IT'S LISTED TWICE UNDER THE BEST SERVICE COMPANY DEBT COLLECTOR. THE 1ST ORIGINAL AMOUNT OF THE ACCOUNT WAS {$5800.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$7900.00}. THE 2ND ORIGINAL AMOUNT OF THE ACCOUNT WAS {$1200.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$1300.00}. THEY JAVE COMMITED FRAUD/UNAUTHORIZED SERVICES AND I HAVE IT ON MY XXXX   CREDIT REPORT AS SUCH ALONG WITH A FRAUD ALERT ON ALL 3 CREDIT REPORTS THAT I'M A VICTIM OF IDENTITY THEFT/FRAUD.

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 2021-07-20
Company: WELLS FARGO & COMPANY
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I started a dispute around XX/XX/XXXX for the amount of {$1000.00} dollars, well Fargo credit card services closed my case by XX/XX/XXXX ( around ) saying that I wasn't entirely for this money, XX/XX/XXXX I faxed proof of my resolution over this money, credit card company called me back on XX/XX/XXXX saying that I was going to get this {$1000.00} dollars back ( because I had proof enough that that was my money. ) They said within 5 days, today is Tuesday XX/XX/XXXX and I have called numerous times to wells Fargo credit line, not answer, nobody can get me any answers, in the other hand THEY ARE DO RUDE over the phone, I try to get a name or reference number of a lady who was so rude, she only said I'm XXXX IM XXXX, I feel very betrayed and angry because of 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 explanation