BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: MD
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 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 explanation
Consumer complaint received 2023-03-18
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
I had financial issues due to the Covid pandemic, exponentiated by additional familial responsibilities during the pandemic. The company decided not to remove missed payments during this time, because of this, I continue to experience financial difficulties, despite not missing any other credit line or loan payments since the height of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}.

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 ) I am writing to request the method of verification f
or dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$13000.00} -This is not my 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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: LA
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:
See Attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This letter is to inform Transunion that they are breaking the law by reporting this bankruptcy on my credit report. 1. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. 2. you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 
1. Name of the person you contacted, business address, and telephone numbers so that I may follow up.

2. How did you contact the furnisher and verify my information?

3. What paperwork you used to verify my information? 
I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. 
Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.

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 2023-12-13
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Avant Holding Company, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On Thursday XXXX XXXX I applied on line for an Avant MasterCard. I had been receiving literature from them for years encouraging me to apply. I never responded because the APR was quite high at 34 %. As a XXXX XXXX I rely on my pension and social security for my primary sources of income. I have been XXXX XXXX for the past 37 years and still work occasionally. The brochure that I received from Avant stated that I had been " pre-approved '' for a {$1000.00} line of credit. I realized by filing out the application that my credit report would take a " hard hit '' but I assumed, wrongly as it turns out that I would be approved.I 've been trying to improve my credit rating so I can either refinance my house or take out a reverse mortgage. My self employment income is based on voiceovers. 
Iv'e been doing this since XXXX. Unfortunately, as a free lancer, the opportunities have been few and far between lately. The last thing I need is a negative hit on my credit rating. 
Having been in the XXXX XXXX  for nearly forty years I recognize false advertising when I see it. Avant is guilty of that in no uncertain terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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 did not open these accounts

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 2023-12-14
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just received my credit report for XXXX and XXXX, and they told me one of my Navy Federal loan accounts are not being reported by the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
This is Regarding Unauthorized hard inquiry left by XXXX on XX/XX/2020 after reach out XXXX and get letter stating that to remove this inquiry ask experian ASAP to remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Now that the XXXX forebearance is over, I applied with my mortgage company, Wells Fargo Home Mortgage for assistance such as a loan modification or to at least have missed payments put to the end of the loan. 

They advised me on the initial call back in XXXX that they would not be able to tell me what I qualified for. I had to submit all required documents and they would let me know which assistance I qualified for. Basically, lets put everything in a basket and see what we can do. 

I had to call again about a week later, after not receiving any word from them as I was advised. They advised me the rep. did not do what he was supposed to and it had to be corrected. 
Throughout the XXXX  month process they have not been contacting me with any updates, as I was told they would. I have been only able to check the XXXX XXXX online to see what documents were needed and to upload them. Now that the decision was made, it doesnt have ANY information. If I had not called them today, I probably would not have known this decision until it was too late and my home would be in foreclosure. 

Now, after XXXX months they advise me I do not qualify for ANY assistance because I do not make enough money. They can not modify my payment or interest rate and I have to make all the back payments and resume regular payments. 
If I do not make enough money, how can I repay this lump sum AND resume regular payments?! 

I was then given information on XXXX sale options. 
When I became upset and demanded an explanation, he went on to say how I specifically requested the modification and went on to explain it was denied because I do not make enough money. I would only be calling them every month pleading for more help. 

Be advised this is my XXXX  mortgage with them. I qualified almost immediately for my XXXX mortgage, AND the payment and interest rate was reduced. 
( I applied for and was approved for the XXXX loan AFTER I applied for this one. ) How do I qualify for modification with the same company for XXXX loan, but not the other?! 

I would also like to add that I have had this loan for over XXXX  years and even when my account was up to date, it has only been reduced by all those years of payments, by {$5000.00}. 

Also, be advised this is the XXXX time this has occurred with Wells Fargo, where they approve a modification for the main mortgage, but not this one. 

I feel that they have and still are attempting to steal my home with these questionable actions and your investigation and assistance into the integrity of this loan would be greatly appreciated. 

thank you

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

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 2023-08-17
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:
The account is showing as an account that was opened in XX/XX/2022. The account is showing closed, due to inactivity. Please remove from report.

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 2023-07-06
Company: Dakota Financial, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX I receive a notification saying There was a new inquiry, line of credit open on my credit report that I never took out. when I called them, they stated that this line of credit was open for three months and they never sent me nothing in the mail or it was never reported on my credit until today so I was trying to tell the manager Im a victim of fraud, and they need to remove this of my credit report because I dont think they ever ask these people to prove their identity when they took out this line of credit and if they did ask for proof, I need them to send me those information like a copy of my ID and my social

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX account opened fraudulently. Email with police report and FTC report not accepted. Multiple phone calls never answered. Messages left never responded to. 
Takes at least a week for any email response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation