BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXXXX/XX/2021 ; 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 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX is reporting a collection to XXXX, XXXX, and Experian that is not valid and is violating my rights as a consumer, 15 USC 1692g

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 2017-05-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.  XXXX   XXXX  gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 other   Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad XXXX due to this matter of the credit bureaus disrespecting my right to privacy. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-02-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXX/XX/2021 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions 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:
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of 850 each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding & Resurgent Capital are harassing me for accounts that I did not open and filed police reports against. I gave the consumer credit reporting agencies copies of these documents in which the accounts were removed from my credit report. This means they corresponded with the original creditor of said account. I am displeased to see my identity and personal information ( SSN ) was shopped around to a third party. 

Today, XX/XX/2023 this account is showing on my credit report by a third-party collection agency. This is illegal pursuant to 15 U.S.C 1681b, permissible purpose. No account can be on a consumer credit report without written consent from the consumer. Additionally, I have no contract or business with LVNV Funding, and this account on my credit report has hurt my score. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX police report and proof of unathorized reporting of account onto credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On   XXXX   XXXX   I (  XXXX   XXXX   ) a nd my wife  (   XXXX   XXXX   ) went  to a  Wells Fargo Branch  in  XXXX   XXXX  Texas off  XXXX   XXXX  to withdraw funds that showed available in my wife 's savings account. The money is from a insurance claim for damages to our home. We waited for the funds to become available before contacting the company to fix our roof. We were told that there was an error and that the funds could not be giving to us because the check was not properly endorsed. So I asked why did the check get process and the funds show available in the account if they knew it was an error? The lead of the teller whom would not give us her name when asked she blamed the ATM for the error but I kept asking whatever who ever the error why was the check process and funds made available if it was an error. The tell kept repeating the same issue. She then accused my wife and I of trying this at another  Wells Farg  XXXX  bank and was trying it again to try and withdraw the funds. I insure the tell that this was not the case. We needed to withdraw funds that show available in my wife 's savings account to pay the roofers. They told us to contact our insurance company ( who is thru  Wells Fargo ) and get a let ter for them authorizing release of funds. My wife and I understand the reason but want to know why the would process a check if they knew it was in error?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  EXPERIAN 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 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
An item of public record has previously been contested on numerous occasions. The courthouse where the credit bureaus claim to have confirmed the account was contacted, and I was told that they had not provided the information requested. The credit bureaus were informed of the information I had obtained from the court, and it is still listed on my report without regard to how it would influence my ability to use credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Cornerstone Mitigation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father received a call today, XX/XX/XXXX from a company stating they filed a legal suit against me. I called the company back and was advised the debt of was owed and opened in XXXX charged off in XXXX and they are filing suit. The first rep advised it was for a credit card from XXXX XXXX XXXX XXXX in the amount of {$1300.00}. I explained to the agent I have not opened a credit card with this company. She explained docs were sent and the address on file was XXXX XXXX XXXX, XXXX  which is where I resided as a teenager and have not lived since XXXX along with I did not reside in XXXX  until XX/XX/XXXX from moving from XXXX. I was hung up on upon asking how can I report this as fraud. I called again and was advised I would be transferred to a sup XXXX who was extremely rude and screamed this is your debt and you owe it and hung up. I called again and spoke with another rep who refused to give her name and explained the same and that I will be reporting them since they can not tell me how to report as fraud. I was screamed at again stating " go ahead call them not us ''. They confirmed the last four of my ssn and that was all. 
Company Name : CMG Associates Phone : XXXX I XXXX  the number and their has been multiple complaints on this company and their harassment.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX Co submits reports on me then i need to know its XXXX XXXXand there address and phone contact. Equifax responds to me 3 months later after i requested a investigation into a child support on my consumer report with " The Child support on your report has not been changed because the Company '' that reported it verified its accurate ''. Child support doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Equifax is referring to. AND WHY IS EQUIFAX BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EQUIFAX IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Equifax SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EQUIFAX TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The child support on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS " COMPANY '' IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EQUIFAX .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit International i s attempting to collect a debt over {$4000.00} for a balance they received from  XXXX   XXXX . The interlock device was removed from my car. There were several attempts to resolve the issue with  XXXX   XXXX  and they declined the settlement offer. They waiting 4 years to send to collection agency. My balance prior to all the late charges and finances charges for 4 years added up to the balance over {$2700.00}, now I am being told  that Credit International is w anting over {$4000.00} for the balance that was owed after the interlock was removed from my car. Several attempts to settle the issue with  XXXX   XXXX  is documented and they declined to the settlement offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Bread Financial Holdings, Inc.
State: FL
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:
On XX/XX/2021 I have been in pain for 4 days, I finally found a dentist who proposed me to help but the only way I must sign a contract for a credit. I received a treatment plan with 5 visits where it has been clearly defined how they will proceed. After my first, I called them and explained I could not afford the credit bill it was too expensive. They told, they cant reverse the transaction, upon I completely agree to pay the treatment. Next, I reached out to the lender to ask if they could help me with the issue, but they also refused to refund me. I have been charged unjustly for 5 visits, while I only get one. Please I need help with this issue! Thank you

Company response to consumer: Closed with explanation