BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: National Collection Systems, Inc.
State: CA
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:
Off note, I have been a victim of identity theft since XX/XX/XXXX. On XX/XX/XXXX, after reviewing my credit report on XXXX, a credit monitoring agency, I discovered a student loan was opened on XX/XX/XXXX from XXXX for {$1500.00}. In addition, several other credit applications were attempted. Neither of these were completed by me. I contacted XXXX and they advised me that this was a student loan and the original creditor was for XXXXXXXX XXXX XXXX University. Someone other than myself, wrongfully used my personal information to obtain a line of credit. On XX/XX/XXXX, I filed an identity theft report with the XXXX XXXX XXXX Police Department. On XX/XX/XXXX, I complied with XXXX and submitted an identity theft claim. XXXX resolved my claim and advised me that I am still responsible for paying the loan and advised me to contact XXXXXXXX XXXX XXXX University. On XX/XX/XXXX I contacted XXXXXXXX XXXX XXXX University ' Student Financial Services who emailed me an identity theft report to complete. I received unsolicited help from a local attorney XXXX XXXX who reviewed my situation and wrote a letter to XXXX. I was advised by this local attorney that I should stop responding to XXXX and my credit history was in good standing. 

In XX/XX/XXXX, I joined XXXX  Credit Score and Report and discovered that I have a collection debt from National Credit Management for {$1900.00}. Original Creditor is XXXXXXXX XXXX XXXX University and the date reported was on XX/XX/XXXX. I disputed this with XXXX  who investigated, resolved the dispute and removed the collection debt from my credit report and reported this to the other credit bureaus. 

In XX/XX/XXXX, I contacted XXXX to dispute a collection debt for {$1900.00}. Again original creditor was from XXXXXXXX XXXX XXXX University and also disputed an address that was found on my credit report with XXXX  that I have been trying to ask them to remove because I have never lived or used that address which subsequently is linked to the credit debt. After XXXX  poorly investigated my identity theft claim, they denied my claim and kept the credit debt and address on my credit report. I am asking for help and advise to justify this. It's very frustrating and time consuming when these companies do such poor investigation and tell you that you're responsible to pay for some loan you never applied for!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-09-18
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I truly dislike doing this, however the encounter I received on yesterday from multiple of Chime employees infuriated me to a point of searching and obtaining an attorney. I'm a small business owner who owns a cleaning company XXXX XXXX XXXX XXXX ) and I currently have a contract with XXXX and obtain future clients for cleaning services. XXXX setup direct payments with the Chime account to receive both instant and weekly deposits. Each deposit was a success until yesterday, XX/XX/2023 when XXXX texted me and informed me that Chime rejected a payment in the amount of {$110.00} ( weekly pay ). I contacted Chime the first representative deemed unprofessional and terminated the call. I called Chime again at XXXX and spoke with XXXX. After my encounter with the first representative, I demanded to speak with a supervisor. XXXX became antagonistic and denied my request until I read him consumer law of denial a customer to speak with a supervisor. After XXXX grueling minutes XXXX ( supervisor ) finally merged on the call. I was overwhelmed with emotions and educated XXXX that Chime rejected a payment of {$110.00}. I continuously read the text message more than 6 times. XXXX informed me that he witnessed numerous deposits from XXXX ( now showing as " XXXX XXXX XXXX  '' ) and he was unable to located the rejected payment. Attached are proof of multiple instant and weekly deposits to the Chime account debit card ending in XXXX with text message from XXXX of rejected payment of {$110.00}. On Attachment XXXX will display the rejected payment of {$110.00} and a note of rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-15
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to XXXX my income decreased tremendously Ive reached out to flagstar several times and have yet to receive any information or helpful assistance to keep my home. I have told them several times my home is occupied and I would love to keep my home. I was recently approved for the Gov assistance grant for XXXX dollars since Ive been calling flagstar everyday. Finally they told me they received it I asked the customer service rep for flagstar how much more did I owe he told me the would reach out in a few days. I never received a call or email. Every time I call and speak with a supervisor or customer service rep I get the same exact run around every time. They tell me they will give me a call back and it never happens. It seems as though there allowing time and interest to accumulate theyve already received the Gov. grant its going on two months. I need my home I have XXXX children and this is our only home.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. 
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : XXXX XXXX TransUnion DEPT OF ED/XXXX  Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX XXXX  Acct # XXXX XXXX {$9700.00} XXXX {$8600.00} XXXX  No contract with them. I called and wrote a letter and haven't received any thing back from the company. 
XXXX XXXX Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX  There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.

Company response to consumer: In progress
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including TransUnion, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including TransUnion, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.

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 2022-07-08
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report through XXXX and XXXX there is a new debt collection account that I am not aware of. This unauthorized account is from WILLIAMS & FUDGE INC and the creditor is XXXX XXXX. The amount they are stating is {$410.00}. This is unethical and not correct as I do not have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I'm reaching out to you all about an account that is showing on my report but is not mine. I thought it would be some error that could be fixed so I called XXXX XXXX and spoke with a lady name XXXX. She ask for all my information including my social and was not able to find any type of account for me in their system. XXXX advised my to send in a letter to their disputes department. I received a letter from XXXX XXXX the other day and they are pretty much saying the same the same thing XXXX said and they were unable to find an account but is asking for my zip code of my address which I included in the letter and its even on the return address on the envelope. They received my letter because they responded to my in writing. The post office is not going deliver mail if its not a complete address. Please have XXXX XXXX removed from my credit report immediately. I have attached the letter received from XXXX XXXX and I have also attached the exact documents to verify myself that I sent to 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