BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 
The following account is not mine : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00}, Original Creditor : XXXX  ) Please remove it from my credit report. 
XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00}, Original Creditor : XXXX  ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor : XXXX XXXX  XXXX ) Please remove it from my credit report. 
XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ) Please remove it from my credit report. 
XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ) Please remove it from my credit report. 
XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor XXXX XXXX XXXX ) Please remove it from my credit 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 2023-08-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
my entire account number was stolen from a different device i spent 3 hours on the phone with security figuring everything out these people have my account in a over draft of XXXX and the disputes they are denying like im some theft as a consumer im demanding my funds and that these disputes get credited i dont care if they have to run the camera back someone put money in my account i call them to correct to let them know its not my money now they have me responsible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NY
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:
9 Inquiries on my credit report that I did not authorize. 
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 2023-05-27
Company: Experian Information Solutions 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 reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} OAG CHILD SU XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$4600.00}

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 2023-08-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 2023-08-07
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 9th 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. 
XXXX XXXX XXXX Inquired on XX/XX/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 2023-08-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 )  ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may const itute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have  XXXX  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.

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 2023-08-24
Company: Experian Information Solutions 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:
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 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 2023-05-27
Company: Experian Information Solutions Inc.
State: NC
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX  XX/XX/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 2023-05-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}.

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 2017-05-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On  XXXX   XXXX ,  XXXX  I received a workout option from  BMO HARRIS BA NK to pay  XXXX  per a month towards my home equity line of credit  XXXX . I received a letter in writing stating that if I put down  XXXX  and pay  XXXX  per a month on the first day of each month.   I have paid every single month on time since  XXXX  of  XXXX . In  XXXX  of  XXXX  and  XXXX   XXXX , Harris Bank did not withdraw the money from my bank account.   I called the bank and was informed that I owe them all the money at one time.   I told them that I had a written agreement from the employee that no longer works at the bank.   I was told that they did not care, and that I had to now pay  XXXX  a month for one year, and pay the loan off in full.   This is illegal. I was not informed and they are reniging on the original terms and agreements that were given to me by  XXXX   XXXX .   I need help with this.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX : XXXX, XXXX XXXX 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 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 2022-09-29
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi my name is XXXXXXXX XXXX  I had open an account with Navy Federal Credit Union been a Year and half now. My father was an XXXX XXXX and I had open and account with my father death certificate his social number on it and my Social Security number my ID Card in XXXX, XXXX  and the one I email there XXXX. I faxed them my account information with a code number and they ain't contact me in XX/XX/XXXX. And I faxed again to there department on XX/XX/XXXX have receipts proof well it all started a bank teller that customer service when I called there number alot times she put the wrong code in the system a young lady done that to me and I been having direct deposit from my Social Security Income and they send my money back and no letter in the mail and I even spoke to an Managers four times even yesterday. I called this number XXXX and I been getting where they got my XXXX ID card I send them twice and they have my Old XXXX, XXXX  Social Security number even a police report that my Identity Theft happin to me and the customer service said to me she said that they ain't help me at all and I send in to much to there department. I asked to speak to an General Manager and not never let me speak to no XXXX at all since that lady mess up that checking account I had and never mailed me a letter that the account was closed I even send some information to the Federal Trade Identity Theft department and what going on to I really want to let this place know what they have done to me my money went direct deposit and they send back to the Social Security Administration place back to XXXX XXXX  to and I have bills over u got pay and never got a call at all by no Supervisor and General Manager at this Navy Federal Credit Union they what stealing my Identity Theft I mean this and I am going XXXX this Bank mean it my father is deceased been since XXXX and I never knew I will be done again by this kind bank that do XXXX, XXXX, Military peoples and family well my dad was in the XXXX XXXX XXXX, and two other Wars for United States Of America he was retired before he passed away I want to let this place what they have done to me and never gotten letter why my account was closed and it's there faught what that young lady done to me over the phone I got her name and date time when she done that to me and my money that I done a issues went on never got my money back in that account either with my debit card to at am Hotel where I did an disputed about and over charged to never got my {$100.00} back at all. Now my money going be returning and my bills is all behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 after doing an annual credit check I found charges of {$1900.00} from XXXXXXXX XXXX. I disputed this with Experian and they validated the debt. I don't know how. I never had an account with XXXX XXXX ever.

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