BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-09
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX   XXXX   XXXX    (  XXXX   ) ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   CA  XXXX , has just informed me, by letter dated    XX/XX/XXXX   , that my APR is to be raised, based on alleged " Serious Delinquency '' and " Amount past due on accounts. ''  XXXX  relied on an egregiously wrong  credit score  of  XXXX  by Experian. I have an unblemished record of payments to  XXXX   XXXX ,  XXXX   XXXX , since   XX/XX/XXXX   -- a half century ago ! Ibid.  wit h Visa and Mastercard.  I have never been refused a loan of any kind, including  1. a     XXXX   mor tgage loan on the purchase of our home. Payment of the mortgage is automatically made to  XXXX  from my  XXXX  checking account, an d 2.  a   XXXX   XXXX   XXXX   mortgage loan on a rental property which payment is also paid monthly automatically with funds drawn from my  XXXX  checking account.

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 2023-01-30
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both XXXX XXXX and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions 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:
i am an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account

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 2021-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted multiple requests to have grossly inaccurate information removed from my credit report.

1. Equifax has not responded to two disputes that I submitted in XXXX of 2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay.

2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation.

3. Equifax is harming me and causing me undue hardship.

4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus.

5. XXXX and XXXX have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information.

6. All three bureaus are reporting inaccurate personal information and wrong addresses.

7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XXXX XXXX XXXX *XXXX XXXX  *XXXX XXXX XXXX  Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation.

*Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file.

Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: NY
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:
I am requesting XXXX XXXX bank and all the credit bureau to fix my credit report to be clean. I never missed any legitimate payments. I always make my payments on time. My account with XXXX has been misused by someone and I am still in contact with XXXX XXXX to investigate these transactions so everything can be fix and resolved but the kept reporting the debits to the credit bureau. I dont owe those therefore I am not responsible to pay for it. I want XXXX XXXX bank to stop reporting negative on my report till they investigate the transactions on my behalf. I want my credit score to be clean and go back to the how good it used to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXL Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: AL
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:
I called over the phone talk to a live agent XXXX XXXX XXXX should not be on my report only XXXX XXXX XXXX XXXX I shouldnt have no work employments on my report I dont work at XXXX XXXX XXXX I dont work at XXXX XXXX either. Only name should be on my report is XXXX XXXX XXXX no other names no abbreviations etc. full name only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So based on my online statements the fraud initially started around XX/XX/XXXX, in a form of payment to an account in XXXX in the amount of {$100.00}, also for the same amount on XX/XX/XXXX, on XX/XX/XXXX there were 3 fraudulent charges, two to XXXX XXXX  which amounted in {$350.00} and then the XXXX to XXXX on the XXXX it was another XXXX to XXXX. It continues with a total of {$650.00} made to XXXX which I have no account to. Throughout XXXX the increments continued to get larger from {$100.00} to {$250.00} to {$500.00} until I had under the threshold in my bank. That is when my bank alerted me that something was wrong which was on XX/XX/XXXX when the fraud took over $ XXXX out of my account. the bank said they denied my dispute because I have a history with XXXX  but I continue to tell them that it wasn't me. I believe the deposits from XXXX were intended to keep me from being aware of what was going on in my account. There were two separate deposits one for 1k and another for {$900.00} To this point, nothing was flagged or deemed suspicious to my bank 's eye, which is PNC. I also take part responsibility for not checking in on my account on a daily but I feel like my bank should alert me of suspicious activity on my account instead of alerting me when my account is under the threshold. That's the only reason I would have found out and done the dispute. The bank is telling me I am responsible but never alerted me of anything suspicious. I think PNC is a good bank and I didn't want to have to go this route but I was left with no other option. I hope all is continued once this gets settled, I'd like to stay with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I called Key Bank in XXXX XXXX, Oregon XXXX to report a CHECK FRAUD in my checking account. I was given NO instructions on how to proceed other than they would investigate the situation. Next day I called my local branch to inform them of the fraud check and that I had reported it. Got a call from my landlord wanting to know where my {$850.00} rent check was. Upon going online to my account I noticed that surely enough the rent check had been FORGED. Waited a month and heard nothing from the fraud depart. ( XXXX ) or bank so I called the fraud department again on XX/XX/2022 and was told the fraud case was CLOSED. Asking why, they said I had only ONE MONTH from the date of the reported check fraud to submit the paperwork that was required. I told them I was NEVER instructed from the initial call in XXXX of what PAPERWORK to submit! Was told I needed to have an affidavit that was notarized and signed by the local bank manager. Went to my local branch, filled out the paperwork, had it notarized and signed and bank mailed it to fraud depart. Still never hearing from the fraud dept. I called again oXXXX XXXX XXXX XXXX to see where the investigation was at, at this point. Was told by the fraud dept. they received the paperwork and they would RE-OPEN the case and send me a LETTER regarding their decision. Waited and waited and no word or letter from fraud dept. or bank. It's now XXXXXXXX XXXX XXXX so I called again to fraud dept. Was told the letter was sent to me about their decision, but I never received a LETTER in the mail, fraud dept would check. Okay, now it's XXXXXXXX XXXX XXXX and was told the bank manager was to call fraud. dept. to escalate the case. XXXXXXXX XXXX XXXX bank gets NO call from fraud dept. I tell my bank I finally received the so called LETTER in the mail XXXX XXXX XXXX dated XX/XX/2022! with the fraud dept. final decision stating that " the claim does not meet the requirements for credit. '' meaning it was not received in a timely manner ( 1 month after initial call on XX/XX/2022 ) so the case was closed and will remain CLOSED, end of their discussion!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
As of XX/XX/22, equifax has removed an account from my file without my permission or given notice. My XXXX XXXX XXXX  loan was removed without notificafion or permission and this account is still open. Because this account was removed, my credit score has dropped as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: NAFCO Finance
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In   XXXX   XXXX  , my then girlfriend and I obtained a car loan together in  XXXX , Oregon. We were notified the lender was NAFCO Finance. Because my then partner had horrible credit, I was needed to be the primary borrower, even though I did n't and do n't have a driver 's license. ( I have  XXXX  relating to a   XXXX   XXXX   and do n't  drive  ) The initial loan was obtained based on her ( ex-girlfriend, her hereafter ) income, housing, as well as my income. I made a  XXXX -dollar down payment about a week after obtaining the vehicle ( which was about a  XXXX  vehicle-since I am not supposed to be too specific ). Just after that, she ( my ex ) ended our relationship, demanded I move out, stole the extra set of keys, and filed what ultimately turned out to be a baseless civil stalking claim ( it was dismissed ). I am in another city, have never driven the car, have n't had access to it, and have n't paid one payment. I have repeatedly sought refinancing from  NAFCO  and her, to which NAFCO ignored the requests and she attempted to label me as a stalker. During the civil case ' hearing, it was introduced she no longer has the same job or income or housing ... so the entire bases for the loan dissolved days after the loan was approved.   She made a number of timely payments. I asked repeatedly for any way to remove my name from the loan, since I had no real interest in it or relation to it. There was no reasonable reason to not refinance it with her ... they had my consent, and she had made payments on time.   In   XXXX   XXXX  , she was over 10 days late in paying her payment, and this adversely impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
All accounts reporting to credit bureau surprise medical billing and medical billing under XXXX dollars

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 2023-04-16
Company: CarMax, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on credit accounts under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The  Wells Fargo Bank re peatedly place s 7 to 15  day hold when checks are deposited in the savings account by me or others. I believe in this day and age such lengthy hold only serve the purpose of the bank and are not warranted at all times.

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 2020-03-31
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX I sent XXXX EUR to a Church in XXXX trough Pay Pal, in XX/XX/XXXX I sent another XXXX EUR and the last transaction I sent XXXX EUR in XXXX XX/XX/2019, all this money I sent was for the building project of the Church. They have been trying to retrieve the money with no success, every time the Pay Pal in XXXX demanded a different document, when they { church cashier } realized that will not be able to get the money they informed me and I tried to request the money back, but on the church 's Pay Pal account they don't have the option to approve the return, only that the account is unverified, unable to get them to prove the return I escalated the case with Pay Pal and shortly I received this " We have reviewed this transaction ( s ) and are denying your case ( s ). Cases must be filed within 180 days from the date of the transaction. The decision to deny was made because the case was submitted after the 180-day deadline. Therefore, we are unable to offer a resolution toward this matter at this time '' I don't know what my options are at this point, in XXXX they cant receive the money and here I was denied. 
Please help THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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