BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
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: Personal information incorrect

Complaint:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX  XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX OHXXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
*********Notice of Dispute******** I am disputing this alleged debt. Cease all illegal attempts to collect and communications ( see below ) XX/XX/2022 CEASE AND DESIST NOTICE OF DISPUTE I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Debt Collection Practices Act ( FDCPA ), and am disputing this alleged debt. Navient has violated my privacy and contributed to abusive practices, as I am a federally protected consumer under 15 USC 1692. As a third party debt collector, any debt being attempted to collect, the FDCPA requires that it is done so in a manner that is fair and equitable. Navient illegally obtained personal and private information and is reporting to other financial institutions including XXXX, XXXX and XXXX. I did not grant Navient permissible purpose to obtain the information and report it. I have not been notified that this information is being provided to the highest bidders. I have sustained further emotional and psychological damages because of Navient unfair and deceptive practices. 
As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting to all consumer reporting agencies. 
- XXXX my balances out on each alleged debt - Cease communication except for email and mail ( no phone calls ) - Provide acknowledgment of this official notification that I am opting out of your reporting to the credit reporting agencies ( XXXX, XXXX, and XXXX ). 
- Provide the original contract/agreement that I made with Navient with my wet signature - Anything outside of these demands, Navient will be liable for civil, and criminal liabilities under Title 15.

Do not report ANY information bearing my identification.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FDCPA. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Affirm Holdings, Inc
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am a victim of ID theft starting around XXXX and I found out earlier this year. There are several accounts listed under affirm credit account loan that I did not open. I have a police report stating so and that is all I am required to provide them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: AZ
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:
During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my credit les from XXXX, Experian, and XXXX and found that someone has been using my identity to obtain credit from several creditors. These creditors include the US Department of Education ( {$110000.00} for was looks like student loans ), XXXX XXXX XXXX ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXXXXXX XXXX XXXX ( {$30000.00} ), XXXX XXXX XXXX ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not 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 2022-10-06
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX, SC XXXXXX/XX/XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$770.00} XXXXXX/XX/XXXX Balance XXXX {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXXXX/XX/XXXX ( Original XXXX : XXXXXX/XX/XXXXXXXX XXXX ) XXXX Balance XXXX {$5000.00} XXXX XXXX XX/XX/XX/XX/XXXXXX/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 2023-09-14
Company: LEXISNEXIS
State: NC
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:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX  | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit XXXX. I pulled my credit les from TransUnion, XXXX, and XXXX and found that someone has been using my identity to obtain credit from several creditors. These creditors include the XXXX XXXX XXXX XXXX ( {$110000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX Bank XXXX ( {$30000.00} ), XXXX XXXX XXXX  ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service.This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 or extortion. 

Delete the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX Balance Owed : {$150.00} 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 2018-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
WF has started reporting our VA mortgage as a installment loan and told us they told this at closing which we a lie as witness by our realtor which was an attorney and will verify, our WF loan office who left the company. They have a history of fraudulent behavior as late as last week in a suit filed by State of CA oaying a huge fine for fraudulent behavior in excess of {$200.00} M, previous they were fined for opening customer account without their knowledge switching money and all sorts of other behavior with our VA loan which was property with a permanent foundation making it unmovable. The WF bank filed a XXXX XXXX XXXX XXXX making it part of the real property and required us to set up escrow account to pay taxes and insurance and filed a trust deed making is real property. From XXXX to XXXX including the previous owners it was reported as a VA mortgage, they they started reporting as a installment fixed loan on the modular home Each and every time we filed the paperwork with credit agencies they would agree, and immediately WF would change to a mobile home loan or modular home installment loan. I have talked to many people who have the same permanent mounted home on property they own that is still reported correctly but when I found out they called me a liar, harassed us, dared us to file suit and numerous other threats and told us we could not beat them, the VA had us have our congressman look into it and they filed back they had the right to do whatever they wanted to do, filed with the XXXX where I found many complaints and the only -F XXXX rating, they then told me that they were following CIDA guidelines but when I called CIDA they denied this was correct and are filing a formal complaint I have documents to prove all of this including letters from the bank that they could do anything they wanted and nobody could stop them, guess that may be right as they are the most fraudulent proven bank iin America paying more in fines than anyother bank in history including a {$200.00} XXXX fine filed by State of CA where they paid but denied liability although who is the proof was not there would pay {$200.00} M They are so big they think treat people who fight them anyway and no one will bother to continue but I will keep fight all the way to filing a class action suit. 
They have stated they can can do whatever they want. 
Anyone wanting to join my class action suit please contact 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 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Capital One Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from XXXX of the 1st Notice. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from XXXX of the 2nd Notice. 

XXXX Registered Mail XXXX # XXXX ( delivered on XX/XX/2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Here are the inquiries that are showing on my credit report and I need them removed ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : States that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation