BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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:
I AM A VICTIM OF IDENTITY THEFT. SOME USED MY INFORMATION TO COSIGN FOR A CAR LOAN.

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 2021-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital One Bank sent a bonus incentive email to open a checking account and deposit {$2000.00}. I called and consulted with a banking representative on how to execute the account opening and receive a {$400.00} bonus. Based on the reps instructions I opened an account and deposited the money. I did not receive the bonus because Capital One says because I initiated the transfer from their website rather than an outside institution the offer is null. 
This seems like a similar deceptive practice to XXXX XXXX in order to get new accounts open to drive up stock price. 
I have filed a complaint with Capital One banking however they wait for resolution is 30 days. 
I opened the account as a test. I was considering using this account regularly however because I feel I did not receive what Capital One advertised I will not want to continue the banking relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo continues to attempt to collect on a PPP Loan where all requirements were submitted according to the note for loan forgiveness but they failed to process it. After half a dozen requests for SBA review the SBA finally confirmed they were reviewing. Now its been over 200 days and their is only a 90 day statutory review process and they have yet to decision nor has Wells Fargo delivered any details as to reasons why they feel the debt is still owed. I have a dedicated PPP reviewer within the bank who cant even get a response from the reviewing department. In the meantime I have filed several complaints with the CFPB and nothing has been done to resolve and stop their harassing automatic attempts to collect on a debt that I dont owe.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPT OF ED/XXXX  XXXX. DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 an 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 or Any other adverse item of information, other than records containing convictions of crimes which antedates the report 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.

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 2023-03-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Several weeks ago, when I check my credit score from Equifax, I find that XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to XXXX XXXXXXXX XXXX for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police ( attachment is the report ) and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. Second, XXXX XXXXXXXX XXXX have never contacted me about the debt ( no phones, no letter and no emails or in-person ), I first know about this debt via Equifax, which hurt my credit score a lot during the time I want to apply for a mortgage. Third, I filed a dispute in Equifax which they carried out an investigation by contacting the XXXX  XXXX XXXX in which Equifax said that the XXXX XXXX XXXX said the debt was mine. During the whole process, the collection agent never contact me and Equifax believed them. Fourth, the whole case did not make any common sense. Equifax knew that I pay off my credit card every month for a the whole time I have credit history, so why I will not pay this XXXX $ and let it be handled by a debt collector and why debt collector was willing to spend time and resources to collect XXXX XXXX Those things are very suspicious and Equifax never truly investigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
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 looked at my credit report last month and saw a bankruptcy and several accounts that where associated with bankruptcy. Well i have never filed for bankruptcy. Me and my father have the same name and he has filed for bankruptcy. It might be his, im not sure but i definitely know its not mine.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My identity was stolen and I ended up with an excessive amount of inquiries on my credit report, some duplicates where I never applied for credit from any of these companies, nor did these companies have my permission to run 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 2023-05-14
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 
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 accounts 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 these 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 2022-10-17
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some information was erroneous. The Equifax credit bureau 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$59000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$9700.00} XXXX XXXX XXXXXXXX Balance Owed : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. 

I dont understand why you put this negative information on 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies TransUnion XXXX XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name XXXX am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes

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 2022-03-18
Company: BSI Financial Holdings, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial paid my taxes before they were due and now are requiring me to pay them thru escrow. My mortgage clearly states that escrow is waived. this has resulted in my payments not being applied and late charges incurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
WHEN MY WIFE AND I BOUGHT OUR HOUSE, PART OF THE APPROVAL FOR OUR LOAN WAS THAT WE HAD TO PAY OFF A FEW OF OUR CREDIT CARDS. WE WROTE ONE CHECK TO XXXX XXXX  XXXX  WHO WERE THE ONES THAT DID OUR CLOSING, THEY CUT ALL THE CHECKS TO THE DIFFERENT ACCOUNTS WE WERE PAYING OFF. ALL OF THE CHECKS WE EITHER MAILED OR PAID IN PERSON, THEY ALL WENT THROUGH JUST FINE EXCEPT THE XXXX  ACCOUNT THAT IS THROUGH COMENITY BANK. I WENT INTO XXXX  AND HANDED CHECK NUMBER XXXX IN THE AMOUNT OF {$1500.00} IN PERSON AT THE CUSTOMER SERVICE DESK TO PAY OFF MY COMENITY/XXXX CREDIT CARD. I HAVE GONE IN THERE MANY TIMES AND PAID IN PERSON AND NEVER HAD A PROBLEM. THE XXXX EMPLOYEE AT THE CUSTOMER SERVICE DESK PROCESSED THE PAYMENT, HANDED ME THE RECIPT AND I LEFT. I RECEIVED AN EMAIL SHOWING A XXXX BALANCE. I RECEIVED STATEMENTS SHOWING THE PAYMENT POSTED AND I ACTUALLY HAD A SMALL CREDIT OF {$1.00}. 
ALL OF THE SUDDEN I START TO GET COLLECTION CALLS AND STATEMENTS SHOWING I HAD TO PAY AGAIN AS IF MY MONEY I PAID HAD COMPLETELY DISAPPEARED. I TRIED TO DISPUTE THIS WITH COMENITY BANK. I HAD TO INVOLVE THE ATTORNEYS OFFICE WHERE THE CHECK WAS FROM. WE ALSO INVOLVED THE BRANCH MANAGER FROM XXXX XXXX. THAT BANK IS THE BANK THAT XXXX XXXX XXXX USES. THEY SENT CERTIFIED LETTERS WITH THE BANK STATEMENTS, COPIES OF THE CASHED CHECK. IT WAS VERY OBVIOUS THAT THERE WAS A PROBLEM. AS YOU SEE ON THE BANK STATEMENT, THE CHECK WAS PAID ON XX/XX/19. THEN ON XX/XX/19 THE CHECK WAS ATTEMPTED TO BE PAID AGAIN WHICH WAS FLAGGED. ON XX/XX/19 THE RETURN CAME THROUGH TO WASH OUT THE SECOND ATTEMPT BUT THE ORIGINAL PAYMENT XX/XX/19 WAS PAID. XXXX XXXX AFTER TRACING BACK THE CHECK WITH SECURITY FOUND IT ODD THAT XXXX  WOULD HAVE TWO BANK ACCOUNTS. ONE WITH XXXX XXXX  AND THE OTHER WITH XXXX XXXX  XXXX. IT WAS STARTING TO SHOW THAT SOMEONE DOING THE BANKING EITHER MADE A MISTAKE OR DID STEAL THE CHECK. XXXX DOES NOT USE XXXX XXXX. THEY ONLY USE XXXX   XXXX XXXX. THE CHECK WAS PAID TO THE XXXX XXXX ACCOUNT. 
I WAS ABLE TO GET THE BANK ROUTING NUMBERS FROM BOTH BANKS WHERE THE CHECK WAS PAID OUT TO AND WAS ATTEMPTED TO BE PAID OUT TO. 
WE SPENT HOURS, DAYS AND MONTHS TRYING TO RESOLVE THIS. I AM ABSOLUTELY JUST FRUSTRATED. COMENITY WILL NO LONGER HELP ME. THEY HAVE NOW SENT ME TO COLLECTIONS. I NOW HAVE XXXX   INVOLVED BECAUSE APPERANTLY WHO EVER DOES THE DEPOSITS AS YOU CAN SEE IN THE EMAILS, HAS DONE SOMETHING WITH THE MONEY WHICH IS STILL UNDER INVESTIGATION. POSSIBILITY FRAUD BUT NOT SURE. ALL I KNOW IS I PAID THE BILL OFF. I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT PLEASE. 
THANK YOU. 

XXXX XXXX

Company response to consumer: Closed with monetary relief