BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 2018-07-30
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: PNC Bank N.A.
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:
XXXX XXXX XXXX XXXX Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX XXXX XXXX ) XXXX PNC BANK Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested an investigation 3 times and they continue to send back notices that they investigated it with no real investigation done. this last time they sent me back a notice yesterday that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity, or the information that I provided was not legible. I had all of the information I sent to them NOTORIZED. AND SENT CERTIFIED MAIL and which all included a copy of my drivers license and a copy of my social securtiy card. they did not provide me proof of an investigation was done, nor did they do an investigation. they just keep sending back these letters with excuses as to why they will not do an investigation. they continue to give me the run around. 

ALL DOCUMENTS WERE SENT TO EXPERIAN CERTIFIED AND NOTORIZED

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 2023-07-06
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022. A transaction was made at XXXX XXXX, where I hold a line of credit, and they send me an email asking for authorization. I did not sign such email because I have not purchased anything on that date or anytime near that date. A few days later, I get a letter from Fortiva Retail Credit with a bill of an installment and a total amount owed of {$1300.00}. I of course panic and call Fortiva since I already had an account with them because of a fridge I purchase and finished paying several months prior to that incident. They opened and investigation but they have not gotten back to me and they keep charging me this bill and the interest keeps increasing. I also called XXXX and they said that such purchased was never made. I have no idea where this transaction came from but I am tired of constantly getting letters and emails from Fortiva to remind me to pay. I have absolutely no clue how they even got my information to do this transaction nor how this installment came to be. I need this off my credit and peace of mind because this has never happened to me before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Experian advertises Experian XXXX on the tv commercial but on the website it doesn't have a list of all banks and credit unions. But it also says on the website that you can use a credit card. My credit union is XXXX XXXX XXXX in Michigan and it isn't listed. I pay all my bills on time and would like to get credit for it. I use my checking account. I have seen other people commenting about how they can't use Experian XXXX either because their bank or credit union isn't listed or there are too many similar banks listed. You also have no way to contact Experian, and talk to someone about this issue. But I think all people should have access to boost their credit and not just some people. This service should available to all people. Experian should improve this on their website. The website could use some improving.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXX Inquiry Date XX/XX/2023

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 2022-12-29
Company: Upgrade, Inc.
State: MS
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:
An account has been open using my personal information with a loan company called Upgrade, also with a XXXX XXXX XXXXXXXX XXXX XXXX. I have recently been made aware that a loan has been authorized without my knowledge until I received a welcome packet from XXXX which led me to look into this identity theft issue. I have spoke with Upgrade via email & phone numerous times & they are not very helpful & are even requesting more personal info. or they would not proceed with the fraud investigation. I have been informed per XXXX that the loan amt on my credit report is showing {$8500.00} on XXXX. I am claiming this is not my account and I did not approve to receive this amt. We have found that there was an amount of {$1600.00} that was deposited into my personal bank acct as they also had my routing and banking number for this acct. I am not aware of where exactly the additional amount has been applied too as no info is being provided to me from Upgrade. This {$1600.00} was deposited in my personal acct. in error and is in the process of being returned. The confusion was that the IRS was set to deposit a tax refund in that exact amt which made me believe that was where that money came from. I have made Upgrade aware of this as well as my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX  ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXTHIS ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX ( XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU

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 2022-11-13
Company: Experian Information Solutions Inc.
State: GA
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 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A states I have a 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 report containing any of the following items of information any other adverse items 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 reason to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We have a Buisness Loan with Wells Fargo ( XXXX # XXXX Acct # XXXX ). During COVID we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXX/XXXX/XXXX. There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I have been to my local Wells Fargo Bank in XXXX every week since this occurred. 

The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( # XXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint # XXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. 

I went back to my local Wells Fargo Bank and asked what to do. The bank Manger E-mailed both XXXX XXXX XXXX XXXX. We have heard NOTHING. It has been over a month since our last statement. 

I request assistance. We do not want to default on this loan. We can not afford to completely pay off the reamining balance of {$20000.00} that occurred because of the Cares Act. We are afraid that not only are they going to take my buisnesses building but, also my home that was used as collateral for this loan decades ago. Yes, my home is payed off. 

Please 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 2019-08-06
Company: EQUIFAX, INC.
State: HI
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:
First of all, I never applied for any accounts with XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, XXXX XXXX  h

as 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.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for Discover credit card as my credit score was pulled on XX/XX/2020. My credit score was XXXX and I was qualified for a {$7500.00} dollar credit limit and I had received this information in the mail from Discover. I also received my credit card in the mail with my name on it at the same time. However, I was asked to fill out a form for Discover to get an copy of my tax forms. I filled this form out online and I have told Discover over and over, since then that I do not file taxes as I live on XXXX. I asked them over the phone in ( recorded call ) to verify my income another way, but they have refused to do so. My income is sufficient for the credit card but they are not letting me use my credit card, due to I dont file tax returns. I am not obligated to file income tax returns. They have repeatedly asked me to submit the same form over and over to the irs to prove my income. I had called Discover on the date of XX/XX/2020 for 3 different phone calls for an total of 33 minutes. I have wasted my time with Discover on the date of XX/XX/2020. On XX/XX/2020 I received the same form in the mail to fill out for taxes that I filled out online over 2 weeks ago. They are discriminating against my XXXX by not allowing me to have the Discover card that I was already approved for to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, have also received information from company 's such as XXXX and XXXX about data breaches 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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