BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MI
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 and XXXX XXXX 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 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. 
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 2021-10-20
Company: EQUIFAX, 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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CT
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$96.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX CO 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 explanation
Consumer complaint received 2023-01-03
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}

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 2021-10-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been stolen. I live in XXXX for 8 + years. Before that I lived in XXXX. I have own a home in XXXX XXXX XXXX till XX/XX/2021 and paid all utilities mortgage insurance etc there. Now I live in XXXX XXXX. I have never lived or visited the state of XXXX. Unbeknown to me someone has open utilities in XXXX on my name. Transfer money for them at XXXX XXXX from my XXXX XXXX XXXX account. XXXX dollars using a phone transaction. Someone applied for unemployment in XXXX in my name. Thank God is was denied. I received the denial letter. XXXX XXXX  thru XXXX and XXXX XXXX collections XXXX. XXXX XXXX thru XXXX XXXX XXXX XXXX. XXXX XXXX XXXX retail XXXX. XXXX XXXX thru online information XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX thru trans world systems XXXX. XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX. This are utilities open in XXXX using my identity to open them. When I went to buy a car this year during summer I found out my credit was bad. I then had to put down XXXX to get a better payment. Since my credit was bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2019-10-09
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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-18
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've filed a dispute with American Express credit card company where I have been XXXX  in the Oklahoma XXXX XXXX XXXX since XX/XX/XXXX serving a XXXX XXXX XXXX in the Oklahoma XXXX XXXX XXXX Where I am housed at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen an account from American Express that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my DOC XXXX Identification with my Social security card. which could've all been verified by the XXXX XXXX XXXXXXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX for the past XXXX XXXX in the Oklahoma XXXX XXXX XXXXXXXX at the same address of XXXX XXXX XXXX XXXX OK XXXX for the past XXXX XXXX  where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i got behind on mortgage due to loss of employment. got a new job and tried to make a payment but wounld n't except anything but the full amount. evrytime i would calll them over the next XXXX months i would be quouted a different amount. received a notice of XXXX from the parish th efirst week of XXXX. called them again XXXX times in the next month and recieved XXXX different qoutes each time.Would not take payment over the phone. asked for the reistatment letter to be sent to me on a friday. they were suppossed to overnight it. whenit wasnt here by thursday i called again and they sent it out. recieved tthree letters, 2 said XXXX and one jumped up to XXXX if i could have recieved the right number i could have saved money for that number. now my house is for auction on XXXX XXXX i thought i would have the money before then if i would have been told the right amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted the each credit bureau XXXX, TransUnion, and XXXX to resolve identity theft dispute but TransUnion sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX XXXX Balance {$6800.00} XXXX - Balance {$1200.00}

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
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.

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 explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Sirs, During my visit to XXXX last XX/XX/2022, I opened a joint checking bank account with my companion, a US Citizen at Citibank N.A, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX was the handling officer. We informed XXXX XXXX that I was a XXXX  resident and my companion, a US citizen, both residing in XXXX, XXXX. 

My stepson a US citizen as well, was also added to the account to facilitate communication and access to the bank as he resided in XXXX. 

I have since regularly sent all or part of my monthly paychecks from my XXXXXXXX XXXX acct. In XXXX, via their corresponding Bank, XXXX XXXX, to my Citibank account to cover my expenses and those of my family and our visa card payments. 

My account was blocked on XXXX XXXX, after a transfer from my XXXXXXXX XXXX account to my Citibank account. 

To date ( two months have passed ), we have continuously attempted to contact the bank customer support and visit the branch. However, we are constantly ping-ponged around and unable to get a clear answer as to why the account was blocked and what needs to be done to recuperate our funds. During our last visit ( XXXX of XXXX ) with XXXX XXXX XXXX, the present branch manager, he could not provide a concise explanation or resolution despite his kind and genuine attempts to help. 

We kindly request your assistance in understanding and attempting to resolve this issue so we can recuperate our funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

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 2020-04-07
Company: UBS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I started by contacting UBS Bank  in XXXX since I became interested in their banking products. One of those products was their UBS Visa  Infinite card. It seemed that the only way to apply was to call their customer service number. When I did, they explained they'd take down my information, and a paper form would be mailed to me. Seemed surprising to me in this day and age but I understood. I received the application a few days after, completed it and sent it XXXX with signature confirmation. This was received at the beginning of XXXX. Since the form has all my private information, and I was required to send it to them, I called multiple times after it was received for a status update. The customer service representatives were very professional, but nobody knew what had happened and they could not locate my application. Two of the persons I spoke with gave me a case number and promised to call me within 3 days, they never did. To make the story short, I completed and sent with signature confirmation 2 more applications. UBS Bank is in possession of 3 applications from me, but nobody can tell me what's going on. I thought maybe they were closed or working reduced hours because of the current crisis which is understandable, but somebody keeps receiving packages and signing for them. And the customer service representatives insist they are fully open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MT
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 recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2021-10-20
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Sunrise Credit Services to report a fraudulent credit charge/collection I noticed posted on my credit report. Sunrise Services gave me the company name and account numbers that originated this fraudulent charge that sent it into collections. I contacted this company called XXXX and gave them the account numbers Sunrise had supplied me with, and informed them that I did not make any purchases with their company. I was told I needed to send them a copy of my driver 's license and my social security number. I did not want to send this information to a company I am not familiar with and had given credit to another person using a different name and address but using my stolen SS #. Maybe this company was in on the identity theft/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 2022-05-24
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I attempted to verify an incorrect debt on my credit report. On XX/XX/22, I sent a debt validation letter by mail to Capio Partners located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. On XX/XX/22, this company sent me a response stating that they did not have sufficient time to complete their investigation. Then, on XX/XX/22, I received another letter stating that the original creditor sold this debt to XXXX XXXX XXXX, and then XXXX XXXX sold this debt to Capio Partners. Also, enclosed was a " statement of account ''. This statement was NOT a letter from the original medical provider. There is also very specific and personal diagnosis and treatment information included on this " statement of account ''. According to the Department of Health and Human Services, if debt to a medical facility goes unpaid, the facility has the right to take measures to collect the debt, including selling your personal information to a medical debt collector. The information that can be provided to the collector is limited to your name, address, social security number, birthday, payment history, and location and name of the facility you were treated in. While this seems like a lot of information, the medical facility CAN NOT disclose the nature of your treatment to the collector. By including these details, the medical collection ARE IN DIRECT VIOLATION OF HIPAA REGULATIONS and can face fines. I would like this debt to be removed immediately from all credit reporting agencies or I will have no choice but to seek legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
Contacted Equifax to remove unauthorized hard inquires from my credit report. The representative refused to do so as well as the floor supervisor. I am uaware of the accounts that are on my credit report ; 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