BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
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: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent XXXX XXXX XXXX several request to comply with the texas law they are collecting on and reporting negatively on my credit a debt. This looks to be a vehicle that was repossessed. I have ask them to comply with state law and also the FCRA on 3 different Occasions I have asked for the following documents as the law allows me to do. 
1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

7. Proof that all required notices were sent Prior to the repossession of the vehicle.

I have only received what seems to be he initial contract and a Letter titled " Explanation of Calculation of surplus '' This is a Violation of my rights and I believe they will continue to Violate my rights. This has been terrible experience and continues to be a weight on me financially as I have sent all notices via certified mail with return receipt to prove all notices have been signed for and received by the company. Please Help me with this.

I have attached the initial request 1-6 was on this letter and I sent 2 additional letters requesting # 7 that I can provide as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is associated with a payment that was not applied against my loan balance for my auto loan. The loan is held with Truist Financial Corporation of XXXX, XXXX. 

Working through the dealer where the car was purchased, we cancelled the extended warranty that was purchased with the vehicle. On XX/XX/2022 a check for {$1700.00} was provided to Truist by the dealer, XXXX XXXX of XXXX, XXXX. On XX/XX/2022 Truist cashed the check ( we have a copy of the cached check ) but neglected to apply the monies against the loan balance. 

Several calls into Truist were not able to resolve the issue. The issue was escalated multiple times to the Truist back office. No updates or progress despite Truist having the funds for over 3 months. 

We are asking assistance in having Truist apply the monies to the outstanding loan amount and would also like reconciliation regarding the interest paid on this amount for the last 3 months. 

Reference # : XXXX Account Number : XXXX Account Owner : 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 monetary relief
Consumer complaint received 2023-06-01
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:
Ive contacted transunion multiple times in regards to identity theft and nothing has been done Im including the identity theft report along with a utility bill for proof of address and my passport card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, I submitted an online application to open Citibank account ( Citi priority package which includes checking and savings account ) at the following url : https : //banking.citibank.com/XXXX XXXX Before applying, I called and asked Citi at their XXXX XXXX number that if I was eligible as a XXXX  resident to apply . I was told I was eligible. I provided complete information like SSN,  DOB , Dr Lic #, Employment details, Account and routing number to withdraw funds from to fund these new accounts, when I made the online application. 

On XX/XX/XXXX I received a letter from Citi stating the account could not be opened due to inability to verify information. When I called and asked, they refused to provide any information on what could not be verified or what was missing from the application. They were rude, unhelpful and the supervisor even told me to go to a branch in XXXX XXXX ( I live in XXXX ).  The supervisor name is XXXX, Team # XXXX at XXXX  call center. 

I am truly concerned that I have provided all this personal information and now it may just be used for nefarious purposes. Also, I am mystified why Citi is so unhelpful and rude and unwilling to tell me what information they are missing.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from XXXX XXXX that I have a new hard inquiry that I don't recognize from XXXX XXXX ( Bank ).

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 2022-05-28
Company: Experian Information Solutions Inc.
State: TX
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: TX
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX  Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have no association to this accounts origination or use. I never authorized this account opening. But this account is on my credit report and has been affecting my score.

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 2023-03-20
Company: Experian Information Solutions 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 XXXX Account XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 604 A. State I have the right to privacy.

15 U.S.C. 1681 604 A section 2. It also states a consumer reporting agency can not furnish a account without written instructions.

Account have either been Paid in full or state inaccurate dates

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i never had. no card i been asking them to remove the fraud account off my report and it been going on 90 days can someone please help

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 2021-11-10
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently submitted disputes to the credit bureau Equifax I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted Equifax and was told that there was nothing they could do I have made repeated attempts to contact XXXX  without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report Equifax has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX XXXX  at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MD
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 have XXXX unauthorized inquiry and XXXX accounts to validate and XXXX accounts that have wrong dates of last activity and they say charge off which is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ONLINE IN SV ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$320.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Balance {$550.00} XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: MO
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 submitting this complaint to follow up my Previous complaints regarding the fraudulent information on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting that the Credit Bureaus remove the items in which I believe resulted due to Identity Theft. The items I am disputing do not relate to any transaction that I have done or authorized and I never received any benefits from the theft of my identity. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as items resulting from the identity theft and was listed on an ID THEFT REPORT. I am submitting this complaint to request that the Credit Bureaus verify the accuracy if the following accounts and remove these items if unable to verify. By the provisions of the FCRA section 605b, I am urging the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX, XXXX, XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance : {$4500.00} DP OF EDUC XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}

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 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XX/XX/2018 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, 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 2017-03-27
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was wrongly being foreclosed on. I payed for and was given a loan modification olny to have my last payment returned to me and when I called to question why they said the would not except my checks and sent be foreclosure papers and demanded {$19000.00} of which I did n't have! They sold my loan several times and now the new company had me on the sheriff sale list for XX/XX/2017. I requested a loan modification the told me there was no time that they needed 37 days and it was n't even more then 20 days that they had my loan so I sent some beginning forms of a change in my finances.They in return sent me a letter on XX/XX/2017 agreeing that they would give me additional time to resume my application ... I received this letter on XX/XX/2017 the date of the sale ..The property when back to the bank.I then began to gather my paper work to send in an on XX/XX/2017 I received a letter from them telling me I was denied for failure to complete paper work and bad credit.

Company response to consumer: Closed with explanation