BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Accounts Due to Identity Theft To Whom It May Concern, I am writing to request the removal of charge-off accounts from my credit report that were obtained through identity theft. I have recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been opened without my consent : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date of Account Opening : XX/XX/XXXX - Amount of Debt : {$18000.00} I am a victim of identity theft, and I have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference. 

I am requesting your assistance in investigating and removing these fraudulent accounts from my credit report as soon as possible. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these accounts and remove them from my credit report. 

Enclosed, please find the following documents to support my claim : XXXX. Copy of my government-issued identification. 
XXXX. Copy of the police report. 
XXXX. Copies of correspondence with the creditors. 
XXXX. Any other relevant documentation that you may require. 

Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue, and I appreciate your cooperation in rectifying the negative impact of these fraudulent accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : LETTER FROM CREDITOR, ID, SSN, FTC REPORT, POLICE REPORT, & BANK STATEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have contacted Transunion and XXXX regarding, regarding reporting a XXXX XXXX account on my credit file I have asked for a full investigation and to update me on the status of the investigation I have not got a update on the investigation. this account information is incorrect and should not be reporting on my credit file.

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 2022-01-21
Company: EQUIFAX, INC.
State: FL
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 have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have unauthorized hard inquirys on my account and would like them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-02
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
y husband sent me {$570.00} for bills and food Etc through venmo app I was promised it would be there XX/XX/XXXX XX/XX/XXXX came still no money then I received a email stating that they could not send me my funds to my account because they needed to verify who I was my identity so I gave him my driver 's license sent it via email cuz the only way that you can speak to these people through the account specialist Department which is who they routed me to supposedly is through email so I give them everything they need plus I also send on my social security card cuz they said that the ID may not work so I sent them that just in case they had everything they needed you have to wait 5 to 7 business days for anyone in that department to get back to you so I wait and I'll wait some more so I finally call back find a 1-800 number to their customer service department I called the customer service department and they tell me they can't help me that I have to go through the email that they sent me from the beginning and that that's the account specialist Department they say everything looks good they should be contacting you to release your money days go by call my email still nothing then I get an email saying that they froze my account because some crazy reason why they froze my account that they needed to my other account information so I give him my other account information and that still wasn't good enough so then my husband tried to call and they freeze his account also we tell them just give him back the money you know whatever now they're telling me that they are going through loss prevention and it's going to take another hundred and eighty days for them to decide whether or not they're going to release my money to decide whether they're going to release my money that money took him three minutes to send to me and have taken almost a month for me to even receive it this is absolutely unacceptable an absolutely ridiculous that they would even have somebody do this and for them to treat their customers this way this place should be shut down they are absolutely ridiculous and I've got all my emails to prove I've done everything I could to get my money thru them I know im not the only one that this has happened to they have over 1200 complaints on XXXX XXXX and I just need my money back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I filed dispute for several account reporting late payments on my consumer report in accordance to 15 USC Sec. 1681a-2 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; payment history and utilizations are transactions or experiences between me and corporation, this information is unlawful and never be used in my consumer report.

DEPT OF EDXXXX XXXX XXXX Late Payment DEPT OF ED/XXXX XXXX XXXX Late Payment DEPT OF ED/XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Late Payments Several other accounts using late payments to negatively affect my consumer 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 explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT W/OUT COMPLETION. PLEASE HAVE ACCTS LISTED REMOVED FOR THE FOLLOWING VIOLATIONS OF CONSUMER CODES : 18 USC 1028A, AND VIOLATION OF 15 USC 1681 a4. You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. his is causing me emotional and financial stress as I am constantly denied and have to be punished in interest cost.

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 2020-04-06
Company: DISCOVER BANK
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, my purse and all of its contents were stolen from my shopping cart. Although I reported the incident to all of my credit cards, Discover conducted an investigation and concluded that no fraud was committed. I submitted all necessary documents including a police report. Despite the fact that we called Discover that same day and several days later to report the incident ( we have a XXXX Call logs support this ), Discover claims that no such report was made and that I am responsible for the {$900.00} charge plus interest. Numerous calls have had no result. Please refer to the attached documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tab services of XXXX is collecting debt with out authorization they have not prove they my hippa letter signed by me to have full medical. Privacy 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 2022-04-15
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I requested a new debit card for my DDA ( Checking account ). M & T mailed the debit card to the wrong address on 2 seperate occasions. My address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY and both times M & T mailed my debit card to XXXX XXXX XXXX unit XXXX XXXX NY. I did not receive my debit card and now M & T has put my DDA account a risk to possible fraud my mailing my debit card and pin number to another address that is not mine. Additonally, M & T charged me {$25.00} for an express delivery due to their error on sending the debit card to the wrong address.

M & T is denying me access to my DDA account via debit card access. I have called 3 times to have this resolved which M & T has not provided any resolution. I am on hold over XXXX minutes every time I call customer service. 
So now I am forced to physically go to a local M & T branch to withdrawl funds or transfer and after multiple times calling the customer service

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 2018-09-09
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Thanks for letting me describe situation. 
It was regular purchase in XXXX when twenty min later I got notifications through XXXX   XXXX app like someone did hard inquiries what I was surprised. I didnt apply for anything. Next day I called to two organizations ( banks ) and they says that they will investigate it and will stop applications process ; I thought is done. But now I got another notification about adding another credit account on my name. 
Please help to stop it. I dont know why and who is doing that. Even I called companys they still processing fraud applications. 
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 explanation
Consumer complaint received 2023-06-05
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer rights and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : 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.

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 2022-04-15
Company: Experian Information Solutions 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:
Company reporting an account that doesnt belong to me and will not provide any documentation to prove other wise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, the taxing authority that has jurisdiction over my property sent Wells Fargo Home Mortgage a statement for {$4200.00} for XXXX taxes. Wells Fargo Home Mortgage paid only {$720.00} leaving a balance of {$3500.00} unpaid. 

On XX/XX/XXXX, Wells Fargo Home Mortgage contacted my home owner 's insurance company requesting them to remove my name from my policy. When they realized that they couldn't possibly do that, they ran out of options and had no choice but to pay the taxes as they were supposed to from the beginning. 

The problem is that, this bill had incurred interests and penalties of {$950.00} in excess of the original amount by the time they decided to pay it. I have intentions of paying off my mortgage this month and I wrote them on XX/XX/XXXX asking them to take care of the interests and penalties they incurred. They sent me the pay off statement from an unmanned email address and deliberately refused to say anything about my complain.

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu will not be able to provide proof with my signature because I have never done business with them.

THis is fraudulent & Transunion is the only bureau reporting it with this company. Its erroneous!

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 2023-01-13
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the months of XXXX, XXXX, and now XXXX Guaranteed Rate has " lost '' my paid in full and on time mortgage payment. Despite several rounds of verifying and adjusting everything from the mailing address to the account number, I am still struggling with them with my most recent mortgage payment. I paid {$1400.00} to Guaranteed Rate on XXXX. They cashed that check, which cleared through my bank, on XX/XX/XXXX. As of today 's date this mortgage payment has not been credited to my account. I have been in contact with Guaranteed Rate 's customer service since XX/XX/XXXX and we still have had no clarity or resolution to the matter. I have sent all the documentation needed from my bank to Guaranteed Rate, to no avail. I have a trail of emails beginning in early XXXX with them, as well as several phone calls through XXXX and XXXX. Their response is they " are having trouble locating '' my payment, despite provided more than adequate documentation. My {$1400.00} payment has been " lost '' for six weeks now and I fear that Guaranteed Rate has acted irresponsibly and negligent with such a large sum of money. I would like this payment applied and my complaint addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2019-01-25
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as Experian has my mother 's name in place of my name and for allis have my correct name in place of that. Also, Experian, XXXX, and XXXX  have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX  doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of bull and they know it. I have signed United States Postal Signatures from Experian, XXXX  and XXXX  that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by XXXX  because I sued them back in 2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.

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