BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., XXXX, XXXX, TransUnion ] XXXX I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

XXXX. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

Sincerely, 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 2022-12-22
Company: Navient Solutions, LLC.
State: OH
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:
XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to XXXX  when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX says that The Department of Education and the XXXX XXXX submitted to XXXX XXXX XXXX {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a XXXX XXXX was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to XXXX. Once transferred the balance for the Department of Education should have been XXXX, while XXXX would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from XXXX to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a XXXX XXXX and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXXXXXX XXXX XXXX It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a text message on XX/XX/2023 from a number with the same area code as my phone number. It stated it was from Chase : Fraud Prevention and said my card had been temporarily blocked. It had a web link of " https : //chasealertinc.com/JPmorgan.php? unlock ''. I did not click the link as I was suspicious of the text. Instead on XXXX around XXXX I logged into my Online banking account with Chase and reviewed the activity XXXX I noticed no unusual activity, and there was no indication on my online banking website that my card was blocked. I found the fraud reporting phone number on Chase 's website, and called it. I was prompted to verify the account information through an automated system. Once I was routed to a real person, I was again prompted to verify the account. The real person asked several questions that were uncomfortable for someone who suspects fraud on their account, such as giving an entire social security number. Even after the rest of the questions were answered correctly, the representative could not verify the account. She asked me for my phone number and said she would need to call me back to verify who I was. This made no sense as a verification method, since I could have given any phone number, and it is really easy to forward one phone number to another. When I raised this issue with the representative she said there was nothing else she could do without verifying my identity in this way. I then asked if there was a way for me to find the information I was looking for on Chase 's website, and she again said she could do nothing more for me. She then hung up on me. I do not live near any Chase branches, and I am not seeing any other customer service numbers for chase on their website, so I have no other way of contacting them to see if I have been the victim of fraud. Especially with one of their representatives asking for me to provide a code that it says they would never ask for ( 2 step verification processes ). How can consumers protect themselves from fraud when the people you are supposed to contact about potential fraud act so suspiciously?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights

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 2019-02-06
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I spoke to XXXX  from the customer service from credit acceptance Corp on XX/XX/2018 and I told him that this account was obtained by someone who stolen my identity, Fraud, And This Representative keep calling and calling me every day harassing me asking to make a XXXX dollars payment and they will stop calling me and asking for my bank information,

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted 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 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 2023-10-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Wells Fargo on XX/XX/23 and got denied. Regardless of the reason for being denied, I, the natural person, have a right to credit. I am the cardholder and holder in due course. Pursuant to 15 USC 1602, I'm the one that came in with the credit card to initiate a transaction. It is not possible to get denied with something I came in with. An inquiry is a receipt of a transaction which means that somebody got paid but I did not receive any benefit in this transaction. I have been discriminated against under the Equal Credit Opportunity Act by which it states that it is unlawful for any creditor to discriminate against any applicant with respect to ANY aspect of a credit transaction. I have the right to open end credit plans in which I granted to Wells Fargo the right to extend credit. I've in good faith exercised my right and would appreciate Wells Fargo to approve my request expeditiously.

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 2023-10-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting 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 identity was used under false pretense

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 2018-10-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Attempted to use the trustedid premier equifax product ( I have been given this product free because I was identified last year as one potentially affected by their data breach ) to monitor my credit during a temporary unfreeze period ( XX/XX/XXXX to XX/XX/XXXX ) verified by all three credit bureaus ( XXXX, XXXX and Equifax ). At first, trustedid exhibited an error message, but that was fixed mid-week ( XX/XX/XXXX, probably ). After that, trustedid exhibited a message " your credit is frozen. '' I have  verified with the equifax phone system that my credit is indeed NOT frozen, and was issued a verification number. I did this for the second time early morning yesterday, XX/XX/XXXX. I also did it earlier in this week ( probably XX/XX/XXXX ). 
Earlier in this week ( probably XX/XX/XXXX, maybe XX/XX/XXXX ) I called equifax customer support to inquire why I was unable to used trustedid to monitor my credit when I had unfrozen the credit and had a verification number for that action. They told me I HAD TO give them my full social security number to unfreeze my credit. I did not want to give in to this, but I did, having the credit unfrozen until XX/XX/XXXX and being issued another verification number. When I had time to see the result ( XX/XX/XXXX ), I still saw the message " your credit is frozen. '' I called equifax customer support XX/XX/XXXX, AFTER using the phone again and issuing an unfreeze of my credit until XX/XX/XXXX and receiving another verification number. I asked why I could not monitor my credit when I had issued a credit unfreeze. They tried to make me surrender my social security number, again, to perform a credit unfreeze. I refused and I cursed at the equifax representative, which is the first time I remember ever doing to any representative for any company. I hanged up and called back and got a different representative, who tried to get my social security number but I stopped them cold and demanded to know why my credit could not be monitored with trustedid when I ABSOLUTELY HAD UNFROZEN MY CREDIT with a pin and had a verification number. They then diverted to a time issue ( i.e., when did I unfreeze it ). I told them I had issued an unfreeze a couple hours before. I was told to try again in a couple hours. 
Well, I waited about 20 hours. Tried today, XX/XX/XXXX, to monitor my verified unfrozen credit. The message " your credit is frozen '' is all I get from the trustedid online service. It does not allow me to monitor my credit. The service it claims to provide does not exist for me. Trustedid is a non-functioning outrage, a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX  XXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.

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 2022-12-21
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is in regard to the settlement from the Equifax data breach, which I was a victim of I received an email from the Equifax settlement to redeem a " shopping card '' that equals the amount I am owed. I DO NOT WANT a shopping card. This is a ridiculous way to settle a claim and expect that we should accept it. 

I refuse to accept a shopping card that requires me to submit all kinds of personal information, and then will track any purchases I make. I should not have to accept this form of payment for a settlement. What if I want to put that money in my savings account??? 

They need to send a check for the amount Equifax owes me. I will not be forced to give away my mailing and contact information to a XXXX  party and agree to a long list of terms so they can use my data and track my purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX previous complaint file XX/XX/2018 was dismissed by company. Please take action as the agency who protects my financial information. 
* USAA & XXXX reported my work experience, date of employment, etc on XXXX XXXX XXXX  background report * USAA & XXXX did employment inquiries on XXXX XXXX XXXX  credit report to gain information -- this endangered her ability to collect her XXXX pay as she can not work. 
* USAA & XXXX 's intent was to prove that XXXX was not an actual person but fictious to prove that I did not have a XXXX  sister. 
* USAA & XXXX XXXX intent is to show that I have mental illnesses that I do not have. 
AS the FEDERAL agency appointed to protect ME and MY PRIVATE information, please investigate what has been reported on XXXX XXXX XXXX reports and background and inquiries that are actually mine and were caused to be there by USAA & XXXX. It if vitally important to me that my sister NOT HAVE my background information or any current or future information.

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