BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: MI
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:
I recently pulled my credit report for the week as I do weekly due to me being a victim of identity theft. I noticed that a CHARGED-OFF account from XXXX was re-aged across all 3 credit report agencies. This account was first reported delinquent on my credit report on XX/XX/XXXX. As of today, showing across all 3 credit reporting agencies the account has been re-aged showing a " Date Reported '' XX/XX/XXXX. I also received several alerts and emails on my credit monitoring services stating that a " new '' account was reported delinquent. 

Since this false and illegal reporting it has dropped my score over 50 points, and has halted me from continuing to purchase my first home. This account has already been disputed by all 3 credit bureaus back in XX/XX/XXXX, with no results after the 45 day investigation. 

The account is a XXXX account ( XXXX ) in the amount of {$3800.00} and once again the original delinquent reported date was XX/XX/XXXX. This is violation of FCRA Section 623 ( 5 ) ( A ).

I need this account removed immediately from all 3 of my credit reports. I've attached several other CFPB complaints pertaining to this company and their illegal practices in debt reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
I noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this 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 explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2023-07-27
Company: EQUIFAX, INC.
State: IL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
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:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-03-28
Company: Experian Information Solutions Inc.
State: VA
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:
there investigation found that the information i disputed is inaccurate or can not be verified, the notice should say so and also state what corrections the furnisher is providing to credit reporting companies to fix.

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 2021-11-17
Company: GATEWAY FIRST BANK
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, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to Gateway Mortgage Group on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. Gateway usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, Gateway has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, XXXX etc. viz. consumer reporting agencies. Gateway has disregarded my revocation of right to report and continues to violate my right of privacy. Gateway has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 review my credit report and the following items are not mine.

Also my XXXX credit score decreases with items it should increase with. 

Credit card theft XXXX XXXX XXXX XXXX - open XX/XX/2019. For XXXX XXXX credit card - opened XX/XX/2019 For XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when I found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Trans Union, XXXX and XXXX to request the contract because they will not provide to me. I have a Identity Theft case opened with the FTC reference # XXXX. I have been hitting a brick wall with trying to get this fraudulent account off me. I am asking that the credit bureaus request the actual contract. I have asked XXXX XXXX and they sent me a payment history? XXXX has removed the fraudulent account and I am asking XXXX and Trans Union to request the contract and investigate accordingly. I have opened several disputes with XXXX and Trans Union and they are not investigating, they are only going off the word of XXXX XXXX XXXX XXXX and coming back saying the account has been verified and updated. What information are you receiving to update? I would like to see the contract and my signature?

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 2020-07-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I can not link my account to XXXX. XXXX uses XXXX  and Pnc will not consent to letting me add the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive sent in multiple disputes regarding inaccuracy on my report. Its been past 30 days & transunion keeps ignoring my dispute & failed to investigate this manner. I keep getting this response below. TransUnion is violating my rights according to 15 USC code 1681. Im tired of playing games with this company & I need my accounts removed immediately. Its affecting me from buying a mortgage. 

We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repairletter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a 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 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : 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 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

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 4 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 2023-03-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: OH
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:
This account is reporting a late payment status with Experian, but reporting current with XXXX. This account also does not report a credit limit or any amount nor reporting as a closed account. This information has been reporting to Experian and XXXX, but left on my report to continue to cause damage, Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.

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 2022-10-21
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, i transferred {$1000.00} to my son using my XXXX on my online account and as at XX/XX/2023 the money has not been received by my son. I called the bank ( Capital One Bank ) to ensure he receives the money and could not be given reason why my son did not receive the money. I was only given reasons why money sent by XXXX could be held. I requested a cancelation of the transaction and money refunded into my account and was advised to reach out to the corresponding bank. I told them i have no business with the corresponding bank and would want my money refunded to my account and they stated they will have to do some investigation which could take XXXX days. This is not acceptable to me because the number of days is too long and want my account credited for what was taken out of my account and let them sort it out with XXXX. I am not happy with this and i consider it an abuse of our contractual obligation. Going forward, i need my money refunded with interest and a letter of apology. 
My account # is XXXX and the routing # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Revenue Group sent me a letter to attempt to collect a fraudulent medical bill from XXXX XXXX. The bill is for {$32.00} for a virtual visit. However, the visit never took place since there was no two-way interaction or communication with a provider. This is a fraudulent bill and violation of the XXXX billing practices and the Fair Debt Collection Practices Act. I have informed this company in the past not to contact me.

Company response to consumer: Closed with explanation