BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require )., I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agenc
y, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 2016-08-16
Company: Data Check of America LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
After much research and many phone calls, Data Check of America has been repeatedly calling both my home and my cell for a supposed NSF check from 1998. They refuse to mail me anything, give me their address, or a professional license number. When I start asking questions, they hang up on me.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: NC
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: Problem getting your free annual credit report

Complaint:
Experian, XXXX, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: GA
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 noticed fraudulent credit activity on my credit report and I would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the XXXX 

Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Phone : XXXX Email : Personal Statement XXXX XXXX  Accounts Affected by the XXXX Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX  Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control XXXX. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau Contact Info Other Helpful Contact Info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2023-04-17
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:
Good morning, I would like to report that I was a victim of identity theft an account was opened on my name in 2021, I was called by a collection agency, XXXX XXXX XXXX, told them it was fraud and they sold it to a different collection agency, XXXX XXXX XXXX it reflected on my Transunion credit report, I made the police report and called the collection agencies reporting this was fraud, however it still appears in Transunion, I called the original lender XXXX XXXX they said they can not do nothing since the account was opened at a place called XXXX XXXX ( XXXX ), I called them and told them that I was a victim of fraud and they told me that for that I have to contact the collection agency they sold it to, which I had reported fraud too, seems like no one is helping erase this from my credit report in Transunion, even though the collection agencies know about the fraud and I have not been responsible for paying. I sent the request a trans union, but they send me a letter stating that they are not going to erase this report even though there is a XXXX dollar balance ( picture attached ). I called the person in my company helping the employees with cyber security and she recommended for me to file this complaint since XXXX XXXX has not acknowledged this was fraud and is still appearing on my credit report even though there is no balance to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
None of these accounts belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
The debt collector XXXX XXXX XXXX XXXX XXXX is reporting an unpaid collection on my Equifax credit report. I have disputed this collection several tines now with no proper investigation and responding " Verified as Accurate ''. The original creditor waited over XXXX year past the date of service ( XX/XX/2021 ) to submit a claim to my medical insurance under the correct Member ID for payment resulting in their claim being denied as per XXXX XXXX ( XXXX XXXX ) they are only allowed up to XXXX  months to submit a claim. Attached is the documentation from XXXX XXXX stating that I am not responsible for ANY PART OF THIS DEBT!!! I OWE ZERO FOR THIS DEBT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: SYNCHRONY FINANCIAL
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX, I attempted to do a pre-apply with Care Credit towards a {$45000.00} medical expense. 
The pre-qualification process is operated by Synchrony Bank ( mysynchrony.com ) and rejected my application due to lack of credit. 

I had come into this process with a very strong credit history ( almost 800 score, owning a house, no late payments on credit cards ). 
My rejection notice was that I had very limited credit history, a score of 660, and something about revolving accounts ( I hadn't saved a copy of the notice ). 

I believe the notice said that it had made this decision based on the information it made from XXXX ( again, I hadn't saved a copy of this notice ). 

A month before, I had changed my first name as part of my gender transition with the social security administration ( and had changed my name with Massachusetts 5 months before then ). 
I was providing my SSN as an identifier which had never changed, so there's no good reason why my credit history would have not been able to continue following me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Account status incorrect

Complaint:
Predatory Lending and illegal repossession I purchased a car from XXXX XXXX XXXX and was financed by XXXX XXXX XXXX on XX/XX/XXXX for {$7100.00} after fees it came to {$7500.00}. The car was damaged in an out accident on XX/XX/XXXX and was towed to XXXX & XXXX wrecker. Since this was during the high of XXXX it was taking longer than usual. On XX/XX/XXXX I continued to make car payment. On XX/XX/XXXX XXXX XXXX XXXX repossessed the car 14 day after I made payment. They sent a letter stating I didn't keep my end of the deal and the care will be sold on XX/XX/XXXX. I called and they were demanding {$1300.00} or {$9000.00} to pay the car off. This was more then I borrowed. The only answer you can get from them is " It's our car we can do what we want. '' Your disconnected when ask for a manager. They changed the amount that I borrowed. Never applied any of the extra payments towards the principal. Illegally repossessed my car that was in good payment status. Sold the car to salvage preventing me from getting a insurance repair or payout. Sent me a contact via email that only prints blacked out. And put a Charge off on my Credit. This company has wronged me and don't even car. Every agency I write to in Georgia they tell them they are protecting their interest. But if Im paying the car not haven't I protected their and my interest? Preventing me from getting a insurance payout or repair is unjustifing me. 


This company has ruined my credit for no reason. Caused me a tremendous amount of stress and pain. Caused me to lose an insurance settlement for no reason. This company is doing this to thousands of people. I found out they settled a class action lawsuit in California for the same thing and now their in Georgia doing the same thing, Please help me. 
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 2023-02-05
Company: EQUIFAX, 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:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Access to my two accounts, one personal and one a d/b/a/ XXXX  account, was completely blocked on XX/XX/2021 until I was ... forced ... to agree to electronic communication and a lengthy terms and conditions agreement, as part of the consolidation of BB & T Bank and Suntrust Bank . 

The lengthy agreement is something that should be reviewed by a lawyer. 

The electronic communications agreement includes text messaging. I do not text. Just as with 27.5 million other American adults I use a flip phone. This is something I've called to the attention of BB & T on, at least, two other occasions.

There is no way to modify the " agreements '' especially the one dealing with electronic communication. That means that customers can not access their accounts without surrendering their control of their own 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 2022-07-13
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclays Mastercard closed my account without my knowledge on XX/XX/2022 charged me an annual fee of XXXX. XXXX in XXXX of 2022, took my XXXX award points and miles, charged me XXXX dollars in late fees. This is consumer abuse and fraud at its finest. I am shocked that a company the size of Barclay would stoop to this level considering I have been a loyal customer for so long. I contacted Barclays on XXXX, XXXX, 2022 in hopes of resolving this matter. I spoke to a representative and a supervisor and neither of them seemed interested in assisting. Needless to say I am appalled, shocked, and disappointed in the lack of ethics displayed by Barclays business practice. Furthermore, I am wondering how many other consumers have been on the receiving end of this unethical practice. It is estimated that this practice has cost me close to XXXX dollars in award points and monetary value.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a CFPB Complaint I am submitting regarding the Fraudulent accounts and information I found being reported on my Credit File. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPOT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX 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 XXXX  Balance : {$610.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX  Balance XXXX {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX  Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that you are expected to comply with the Fair Credit Reporting Act section 605b and remove the disputed items within the time allowed by law, so please do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: NJ
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 have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC with no successful resolution. There was definitely an error on their part.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the following inaccurate names:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
also please remove the following inaccurate addresses: XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX WA 9XXXX

please remove the following inaccurate employers:
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 2023-03-08
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender UWM has failed in its duty to pay the quarterly property tax/PILOT payments to the town in time although the tax is being escrowed. This has resulted in penalties which, despite UWMs promise, were paid from my account instead of bearing by them. Now the tax for the first quarter was due in XX/XX/2023 but they have failed to make a timely payment and I am receiving reminders from the town. I sent messages on XX/XX/XXXX with a reminder by a secured message and a phone call. 

This has happened previously last year where I had to spent countless number of hours in making them pay the taxes out of my escrow account. I have the supporting messages that I can provide should it be needed.

Company response to consumer: Closed with explanation