BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear Transunion Consumer Relations, I am writing this letter in response to the correspondence I received from Transunion dated [ XX/XX/23 ] regarding a dispute on my credit report. I appreciate the opportunity to address the matter and seek a resolution to the dispute. 

First and foremost, I want to clarify that I am the individual who sent the initial dispute letter [ XX/XX/23 ] regarding the inaccurate information on my credit report. It is essential that this clarification is duly noted and that my request is promptly moved forward for investigation and resolution. 

I must express my concern regarding the handling of my dispute by Transunion. It appears that there has been a delay or oversight in addressing my concerns, which has resulted in unnecessary inconvenience and potential harm to my creditworthiness. I believe it is crucial to emphasize that as a consumer, I have certain rights protected by federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Transunion 's failure to comply with the FCRA and other applicable regulations is a matter of utmost concern to me. I strongly believe that Transunion is taking unfair advantage of my consumer rights by not promptly addressing my dispute and conducting a thorough investigation. 

Failure to comply with the requirements outlined in the FCRA is a violation of my rights as a consumer, and I want to assert that I am entitled to appropriate remedies, including potential monetary damages if these violations persist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NC
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX XXXX XXXX  {$540.00} XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
Greetings! I am 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 https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and 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 is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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.

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: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I literally just received a notification from XXXX that there was a change to my report due to Midland Credit Management. When I check on what it was it stated a collection for something called XXXX XXXX. I have not received any prior notification from Midland Credit Management. I did not receive a letter that gave me the opportunity to dispute or anything. THIS IS ILLEGAL. YOU CAN NOT JUST POP UP OUT OF NO WHERE ON PEOPLE CREDIT LIKE THIS IS A GAME OF JACK IN THE BOX OR PICK A BOO AND THINK IT IS OKAY ... ITS NOT ... .I AM GOING THROUGH ENOUGH AS IT IS FROM XXXX XXXX XXXX OUT OF NOWHERE I AINT GOT TIME TO KEEP TRYING TO HAWK MY CREDIT REPORT BECASUE OF PEOPLE LIKE YOU .... IM REALLY FEELING XXXX XXXX DUE TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX , XXXX Is not my account. The credit reporting agency continues to report it. I have disputed it 3-5 times. They refuse to delete it. I have never heard of the company nor have any knowledge of the company they represent. As a consumer, I am helpless I have no way of proving its a fraudulent 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 2021-01-26
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 at XXXX {$500.00} was removed from my account by : XXXX XXXX XXXX XXXX XXXX VIA WEB XXXX WI ACH WEB I have no payment arrangements made with anyone nor did I owe anyone {$500.00} nor have I spent that specific amount. 

Key Bank denied my claim so now Im sitting here stuck wondering, who, why, how and How do I get my {$500.00} back?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed several times with certified receipts letters to validate said debt with Javitch Block LLC on dates XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 - Javitch Block LLC- XXXX XXXX XXXX XXXX XXXX Not In Its Individual Capacity But Solely As Trustee Of XXXX XXXX XXXX XXXX XXXX I have not received ANY correspondence requesting proof of debt validation -certified letters were sent to this debt collector listed above to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore another debt validation letter was sent out on this.The Debt collector listed above still failed to respond accordingly to the Certified Letter sent for verified documentary evidence as requested in the Certified Letters sent. The requesting documents requested : provide Verified copy both front and back of alleged original contract in its entirety including any application accompanying by a commercial affidavit sworn to be true correct and complete, provide how you determine the alleged debt is within the statute of limitations and when the statute of limitations expired for this debt, explained how the added interest fees or other charges expressly authorized by consumer agreements, Itemized showing dates and amounts of each reduction or payments were accrued in your firms procedures, authorized by the consumer agreement and creating the debt or permitted by law, provide proof the alleged debt has not already been satisfied by any means available including but not limited to tax write off or an insurance claim, provide bill of sale assignment verifying that you have purchase evidence of alleged debt, verify understanding that credit card contracts are a series of continuing offers to contract and as such are non transferable. Provide verification and documentation that is valid basis for your form charge off of the alleged debt- for example provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account. After reviewing credit report again, several attempts to receive discovery documents. There have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has no authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2023-07-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car through XXXX when I visited XXXX on XXXX. I was charged for damage to the car I did not cause. I have a picture of the damage prior to getting in the vehicle and it is timestamped to show that it was prior to the rental. After returning the vehicle I mentioned the damage and how it was there prior but the rental staff did not do anything about it and I went on my way. A few days later I noticed a charge on my Citi credit card with a charge for the damage that I did not cause. I first reached out to XXXX as it was there issue and not CitiBanks. However they did not respond they claimed I caused the damage and were not helpful even though I had proof. After reaching out to XXXX I decided to go through CitiBank and dispute the charge in hopes that they would ask for my evidence. However they only reached out to XXXX XXXX to get there side of the story and closed my dispute without looking at my evidence which clearly proofs I was not at fault. The total amount charge for this incident was {$170.00} and was charged under the name of 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 explanation
Consumer complaint received 2023-09-20
Company: OPORTUN FINANCIAL CORPORATION
State: TX
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:
OPORTUN/PROGRESO FINAN XXXX, this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As a consumer of TD Bank, I faced disrespect and disregard from the actions of this banking institution when attempting to make a simple payment on my credit card account. Mind you, Ive made electronic payments since the beginning of having my credit card account. This is my first time initiating a payment ( 1 ) in person at a local TD Bank ( 2 ) by mail.

My first attempt resulted in rude customer service by a bank teller the Washington, DC XXXX XXXX XXXX XXXX location, who refused to make the payment transaction ( meaning actually accept, look, read, and comprehend ). She also did not accept all paperwork accompanying my payment check when I submitted the check to her ( which was a letter from my mortgage company that per their instructions, directed me to submit upon payment on my account ). Ive included the completed, deposit slip that the unprofessional bank teller gave me, as she gave back my check, and directed to me mail the payment. 

Note that prior to arriving at that XXXX DC TD Bank location, I visited XXXX XXXX  and XXXX  XXXX XXXX via the exact same credit card payment process ( with checks issued from the same company along with the mortgage companys letter ) and had no problems. Both banks customer service was top-notched unlike TD Banks XXXX DC location! 

I mailed the check certified, along with the letter from mortgage company to TD Bank on XX/XX/2021. They received it on XX/XX/2021. See copies of certified and signed documents. 

On XX/XX/2021, I received a letter from TD Bank stating they never received a payment. Completely unacceptable!! Moreover, the fact that TD Bank has no electronic and/or online direct customer dispute and/or procedure that allows customers to respond in situations like mine is concerning. There are no options to download and send via email anything to TD Banks customer relations department. It is 2021 and this absurd. 

Per customer service Rep that I spoke with today, XX/XX/2021 : mail in a copy of the check that was submitted as payment. Hence, this letter of complaint with all my documentation. I request that this matter be solved immediately along with dissolving any fees and/or credit reporting or misleading information that state any late payment references.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation