BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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. 
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 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 2023-07-20
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports XXXX, equifax, and XXXX my credit score dropped from mid 700 's to low 500 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2022-12-19
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX California XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I went to Schools First Federal Credit union the next day because they don't have a phone service in weekends and reported this fraud. But they will not do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. 

Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are noXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.

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 2023-05-17
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Debt collectors are reporting fradulent information on consumers, and do not want to verify the Debt. I have asked for the debt to be verified on several occasions. The most resent request was made on the dates of XXXX and XXXX, which the creditor bureaus can also attest to. Debt collector refused to verify the debt belonged to me. I have also fell victim to data breach with several agencies and major agencies like XXXX, XXXX. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt indicated owed. VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Comerica
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
. I am a U.S. XXXX, married to a XXXX  XXXX and resident in XXXX XXXX for the last 21 years. I receive my Social Security XXXX benefit which is paid into a Direct Express debit Card. My issue is as follows : My card, into which I receive my Social Security payments, expired on XX/XX/XXXX. Since then, I have been trying to obtain a new card without success. The postal service in XXXX XXXX is abysmal, so to date it has not arrived, 7 months later. Therefore, I urgently need the card to be expedited via courier to my residential address. 
I am XXXX, have XXXX XXXX and unable to easily make my way to a phone. in order to call the Direct Express offices, however I have been able on two occasions, on XX/XX/XXXX and on XX/XX/XXXX to make contact with Direct Express in order to try to obtain a new Direct Express card. However, they seem either unwilling or unable to finalise this. I have sent them copies of various documents to verify my ID and I did receive a case number, XXXX, although their reply states : Dear XXXX / XXXX XXXX XXXX XXXX XXXX We have received your ID submission and at this time we are unable to determine the validation of your account. Please step into the Social Security office for further assistance. 

Thank you for being a valued cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
first i want to say the compliant that i filed in XXXX i never received the responed about it and i am just seeing fays respond to my complaint. it dose not surprise me. there is little to know communication. and when i call them i am told something different everytime i call with any question. it is so stressfull dealing with them. my payment has been going up every year. i have only been with them since XX/XX/XXXX. from day one i have been short in my escrow acct. i know they pay in advance. now in XXXX i read that they payed for 2 home insurance my old one ( XXXX XXXX XXXX XXXX XXXX, why i dont know. they did not tell me i read it on one of the escrow analysis. so that made me short. so i guess i have to pay for there mistake. my payment that year was XXXX and the escrow was XXXX. XXXX escrow and XXXX was for the shortage total XXXX the shortage was on a 2 year payment plan. the next year my payment went up to XXXX XXXX was escrow. sometime in XXXX my payment went up to XXXX XXXX was the escrow and XXXX was escrow and the rest dose not show were it went looking at ( my statement ). some of my payment in XXXX went up to XXXX my payment was all over the place in XXXX and i am still short in my escrow acct. and not a little bit it was XXXX short still XX/XX/XXXX. now XXXX my escrow acct XX/XX/XXXX had XXXX in it and in XXXX and in XXXX there was XXXX and my home owner insurance was not renewed because XXXX cancel my insurance. and i still cant get insurance due to the age of my home. they want me to do some work before a company will insurance me. fay said that they would put hazard insurance on my home but i did not think my payment would go up tp XXXX. XXXX is for the escrow. me and my husband is living on social security and XXXX now and we dont have the money to get the work done on our home. yet. the way the fay has our payment now the escrow will have over XXXX in it for the shortage and the hazard insurance my land taxs is not over XXXX a year. the stress is a lot and our health is not the best. i have most of my monthly statements and i hope some one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: WI
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Company: Experian Information Solutions 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2022-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB My name is XXXX XXXX. I have been a victim of identity theft. Someone has been using my personal identifying information to submit nepharious applications for credit since XXXX of 2023. On XXXX someone applied for a XXXX XXXX with with personal information. On XXXX we spoke with XXXX from XXXX 's fraud team, who cancled the application and submitted a request to remove the inquiry from my reports. The comenity has been deleted from XXXX and XXXX but it is still showing on equifax. I've contacted equifax multiple times requesting they remove the inquiry. On XXXX I spoke with XXXX from equifax who ensured me the inquiry was removed and even sent me a credit report. The credit report he sent still had the inquiry. On XXXX I called XXXX and got XXXX to submit another request to remove the inquiry. On XXXX I spoke with XXXX from equifax who submitted a request to remove the inquiry after confirming she recieved the deletion request from equifax. She even gave me a confirmation number XXXX and promised it would be gone in 10 days. 18 days later it was still showing. I called equifax back on XXXX and spoke with a supervisor by the name of XXXX. He again confirmed they recieved the deletion request and promised he would hae the inquiry removed. He gave us a new confirmation number XXXX. I waited another month and it was still on my report. On XXXX I called equifax back and spoke to a supervisor by the name of XXXX who again promised to remove the inquiry and gave a new reference number XXXX. He said it would removed in 5 days. 30 days later I checked and its still on my report. I have exhausted every option. Please help me with holding equifax accountable and deleting this incorrect information from my report. 

Best regards, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XXXX XX/XX/XXXX {$0.00} NO ACCOUNT NAME XXXX XX/XX/XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I suspect a fraudulent account on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The account is listed below. I also noticed that my XXXX is not showing this same collection and I uploaded that screenshot as well. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Balance - {$820.00}

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 2023-04-14
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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