BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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:
After looking over a copy of my credit report I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC 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 2023-09-13
Company: Experian Information Solutions Inc.
State: VA
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX Balance Owed : {$140.00} 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that 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 2023-10-19
Company: EQUIFAX, INC.
State: PA
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : 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 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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:
I have been reaching out to the credit bureaus for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the XXXXXXXX data breach and have already filed my settlement with XXXX XXXX XXXX XXXX already I'm requesting for Transunion to ready my documents and reinvestigate this issue and provide proof of validation In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.

This ground for removal they also violated my rights under 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 USC 1681i ( 5 )

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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 received notification that the debt was placed on my credit file on XXXX/XXXX/2020. I immediately notified the company that I was a victim of identity theft and that they remove this from my file or please provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. This matter has been reported before and the company can not & has not been able to provide me a validation of the debt letter. It was off my report for a while & somehow it's back. What has changed? How can they remove it for years then just add it back on without notifying me. I believe that they in violation of the unfair trade practices law. Please assist me in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX to a collection agency on XX/XX/XXXX with no receipt of payment besides showing my XXXX card was charged for the money. XXXX XXXX  XXXX  then sent this to another collection agency and the charge was disputed and removed from my credit report. Another agency recently ( XX/XX/XXXX ) states they obtained the debt and I still need to pay. This bill has been paid off and XXXX XXXX XXXX now continues to haunt my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted documentation multiple times to TransUnion, from the Bankruptcy Court stating they dont provide information to the credit reporting agencies making with supporting documentation of credit reporting freeze from 3rd party vendors whom publish my information inaccurate. However TransUnion attaches my documentation to close dispute but will not furnish where information is being reported as accurate. When calling customer service they tell me yes we have the documentation but we are leaving the information on the report due to time and year reported. I spoken with supervisors and the try to convents me the the U.S. Bankruptcy Court is reporting as accurate. When I have verification that the Court dont report information to the credit reporting agencies. I been fighting this matter time after time and TransUnion have not produce valid information to why its on my credit report. The Bankruptcy is removed from my XXXX  report as of XX/XX/2019 using the  same documentation attached below ( I attach XXXX credit report proving bankruptcy has been removed )

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 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Im filing this complaint against experian. This account XXXX XXXXXXXX is fraudulent I will send a police report and identity theft report and a letter from an attorney to show I am a victim of identity theft, Im tired of experian not doing their job, this account is fraudulent if not taking off and deleted I will began my lawsuit against experian, I will send other information to show I am a victim of identity theft, I want this account removed immediately, and block this company that stole my identity, XXXX  XXXX has open these accounts with out my permission and stole my information to do it. Now remove this account from my report before I file this law suit and experian will pay my lawyers fees and damages.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2018-03-31
Company: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have put a dispute in with XXXX about my Ad Adstra acct that they continue to report as validated and correct. I spoke with Ad Astra and they have informed me that this is incorrect and they reported to XXXX  that this acct is unreportable and they are unsure of why the tradeline is still on my credit profile with XXXX. I informed that I have explained this to XXXX on multiple phone calls and disputes online and they still will not honor what is being reported by the company Ad Adstra. I have a recording of the phone call between me and ad adstra and this proves what I am saying. It can be validated with the company and the supervisor XXXX that I spoke with on what was told to me. I am feeling that the last resort in this case if this and reporting to the CFPB does not work that I must continue with my legal advice and seek litigation from this company. The call that I have recorded was OK 'd to be recorded by both parties and it was also recorded on the colletors end. All other bureaus have complied except XXXX   and I am not sure why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
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'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. These accounts are a result of ID-Theft and I expect you to remove this immediately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2020-12-31
Company: TransferWise Ltd
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After explaining to the representative that my transfer is strictly legitimate and in addition I had the sender submit documents that they had full awareness of the transfer and details surrounding the amount they still deactivated my account without reasonable explanations.

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 2020-12-31
Company: EQUIFAX, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
It was XXXX transaction, which is I havent done at all I dont even know those people. It is very easy to track those people but I dont know why the companies ignore it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
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 Account XXXX. XXXX  XXXX Account # 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 an account without my written instructions.

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 2022-10-10
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have recently applied for a Home Equity Loan and as part of the closing process the Home Equity Loan underwriting team is requesting our existing mortgage company, Caliber Home Loans, to provide them with a written response to be able to close in second/inferior position to existing lien holder which is stated as a required process in our current mortgage agreement with Caliber Home Loans. 

We have been in contact with Caliber Home Loans since XX/XX/2022 without any response from them. We have contacted Caliber Home Loans ' customer service phone number, emailed XXXX, and contacted them via their messaging portal we have access to as part of our mortgage and as of today, XX/XX/2022, not only have we not received any response, we also have not been provided with a ticket number or an ETA when they would respond. This is a deadline driven process which normally mortgage companies respond to within 24-48 hours the most. We are simply requesting Caliber Home Loans to respond so we can proceed closing on our Home Equity Loan which is set to expire soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account numerous times. ALL of my XXXX XXXX accounts were paid. One was settled but still paid. This should not be reflecting derogatory on my credit report. Now since the update it has decreased my score significantly. This account was NEVER included in a bankruptcy.

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 2022-08-11
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: Reporting company used your report improperly

Complaint:
Transunion. Based on misinformation and information I didn't consent to give. It has prevented me to get loans to support my business. This is so unfair. I have attached a letter to express what I want to be done about my customer 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 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief