BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-05-02
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2021 with a balance of {$13.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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:
I got a call from a number and they said it was usaa trying to check on a certain transaction and asked for my social security and other questions to varify my account. On XX/XX/XXXX two checks were deposited to my bank account addressed to me but they were obviously fake online checks. Immediately after the money was taken out and sent via wire transfer to other accounts and names. My bank usaa said it was not fraud, it was a scam and would not cover or help insure the money stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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 have a XXXX XXXX charge card on my TransUnion credit report it was it was opened XX/XX/2023 and it last reported on my file on XX/XX/2023 this card is not mine and is a fraudulent transaction I have already filed a dispute with TransUnion that is pending and I spoke with XXXX XXXX which they said they couldnt do nothing. I have also frozen my credit report for now I would like this card to be removed and canceled from my credit file

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 2023-01-19
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-13
Company: CL Holdings LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For the record, I have NEVER received ANY service and NEVER made ANY purchase from Jefferson Capital System LLC. I sent a formal dispute letter seeking validation of the alleged debt which Jefferson Capital System LLC received at XXXX on XX/XX/2020, evidenced by certified mail number XXXX XXXX XXXX XXXX XXXX. Jefferson Capital System LLC FAILED to respond with the requested competent evidence as per FDCPA, FCRA etc. After thirty days, I sent another letter giving Jefferson Capital System LLC another opportunity to EVIDENCE the alleged debt but Jefferson Capital System LLC continuously sent prints of alleged bills, but FAILED to evidence the alleged debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I then disputed the derogatory mark ( Jefferson Capital Systems ) with the Credit Bureaus. Jefferson Capital Systems was then REMOVED from my Credit Report, but IMMEDIATELY reinserted. It is clear that Jefferson Capital Systems is GUILTY of FRAUD AND DECEPTIVE BUSINESS PRACTICES! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2023 I received an adverse action notice from this company via email for a loan I did not apply for. I chatted with someone online via their website and informed them of this fraud, and they were not helpful and alluded that I had done it but had forgotten. This is not the case. 

I then called and spoke to customer service who was unable to locate my information. I was calling to request information, including copies of the application, which was fraudulent, and I informed them of the fraud. They continually questioned that I was calling the wrong company, but I confirmed I was calling the correct company on several occasions. Nothing came about from their contact, and according to what I was told, nothing was done because they couldn't find the application. He also stated that the address I read from the Adverse Action notice was not the company 's address. 

I also checked with the credit agency included in the Adverse Action Notice, and they had made an inquiry that matched the same company name. They should have a record of this application.

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 2020-08-13
Company: Bread Financial 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 VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNTS REMOVED/BLOCKED FROM MY CREDIT REPORT. I HAVE ALSO FILED A POLICE REPORT, I HAVE REACHED OUT THE CREDITORS WHO ISSUED THE FRAUDULENT ACCOUNTS. THE CHARGES ARE NOT MINE, THE ACCOUNTS ARE NO MINE, I AM VICTIM MY KIDS ARE A VICTIM BECAUSE WE NEED TO MOVE NO ONE WILL RENT US A HOUSE, HOW FAIR IS THAT???????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Resurgent Capital Services L.P.
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: Problem with personal statement of dispute

Complaint:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXXXXXX ( XXXX ) XXXX XX/XX/2016 I have tried to dispute this several times, this collection was removed off of the other credit bureau but is still with XXXX.I refuse to call this company because they continue to ask me for my personal information, without taking the account number. That's because they want to stick me with paying this. A debit validation letter was send, after the original credit charged it off. They have no right to collect from me. I need this deleted from my account. They have to show a legal right to collect. I need a sign contract and they can not provide this for me. They don't have the life of the account. They brought this debt, and in the State of California they are not able to collect, also is the company a real legal company. I have not agreed to pay this debit. I have disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
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:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX, XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and I realized I had damages on my credit report. According to the 15 USC 1681c SEC 604 there should not be any damages to my report .This a defamation to my character.

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 2021-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The website to manage freezes with Equifax has been down for days. XXXX XXXX XXXX It takes you to this error page. : XXXX XXXX XXXX XXXX XXXX From what I read online, this is very very common for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX  do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate XXXX account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my XXXX  to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2021-11-08
Company: SANDY SPRING BANCORP, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I initially applied for a mortgage loan with SandySpring Bank which I was pre approved for in XXXX when I submitted a contract on a home. During this process which is a short sale, I was finally able to obtain a release from the lien holders on this property to move forward with the purchase. I requested some information from the loan XXXX and was not satisfied with the fees and interest rate that I was not told about up front. I requested that the loan be transferred to another lender. The new lender made a verbal request on XX/XX/XXXX and a written request via email on XX/XX/XXXX to have my FHA loan case number transferred. Further, it was expressed to the loan XXXX of SandySpring bank the urgency in which this transfer needed to be done as I am scheduled to go to closing on XX/XX/XXXX. As of XX/XX/XXXX, the loan XXXX has not sent confirmation that the transfer has been requested. This puts me in jeopardy of not being able to close on this property due to the lack of effort on behalf of SandySpring Bank loan XXXX. I need assistance with getting resolve on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: WA
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 attempted to file a dispute with XXXX and Equifax about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. XXXX and Equifax has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as XXXX and Equifax does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website freeannualcreditreport and XXXX and Equifax has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with XXXX and Equifax. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

XXXX XXXX XXXX intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief