BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX CFPB To Whom It May Concern : I received a notice Dated XX/XX/XXXX in the mail from XXXX XXXX XXXX XXXX XXXX  concerning a timeshare debt " NOW '' naming me as the owner and XXXX XXXX as Co-owner that I am being held accountable for. The timeshare in question was owned by XXXX XXXX XXXX XXXX, my ex-husband and me before we were divorced more than 32 years ago. 
Needless to say I was surprised if not shocked that he is now claiming that this piece of real estate is in my name, if he is claiming that. To make a long story short and simple, in our divorce settlement judgment in XXXX he paid me a lump sum, he kept all five of the properties, making himself the sole owner of All properties moving forward I am incensed, extremely upset, hurt and even after all these years in disbelief that I am being asked to pay a debt on property that was addressed in the divorce judgment documentation and I never had the pleasure of using. For more than 32 years I have not lived in, visited, nor been aware of it. 

I am sure that the records will show that this is solely the property of my ex-husband who is probably worth more than XXXX XXXX dollars, not a XXXX person ( myself ) who is living in subsidize housing and SSI/SSA Benefits income. 

Please review the attached information that was sent to me, investigate, and then proceed to act based on findings. I assure you that the best chance you have at finding the person who is responsible, and can pay, is my ex-husband for all fraudulent acts, and damages against me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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: Information belongs to someone else

Complaint:
The credit reporting agency is reporting XXXX XXXX  on my credit report 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 explanation
Consumer complaint received 2023-04-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
ON XX/XX/XXXX I VISIT THE XXXX XXXX XXXX LOCATED IN XXXX XXXXXXXX XXXX 
A CREDIT APPICATION WAS SUBMITTED FOR A XXXXXXXX XXXX 
DURING THE PROCESS NO AMOUNT WAS DISCLOSED. 
SHORLTY AFTER THE DEALER ASKED IF I HAD A DEPOSIT ILL BE WILLING TO PUT DOWN WHICH I DEINED. 
THE APPLICATION WAS RECIVED BUT HAD A PENDING STATUS AND WAS TOLD ILL BE CALL ONCE A DISCUSSION HAD BEEN REACH. XXXX XXXX XXXX  I FINALLY SPOKE WITH DEALERSHIP WHERE THEY SAY SHEFFIELD FINANICAL WAS REQUESTING A CO-SIGNER. REASON STATED BECUASE OF LOAN AMOUNT. IVE EXPLAIN THAT NOT ONLY HAVE I PAID OFF EQUITMENT NOT FAR FROM THE AMOUNT IN THE PAST IT WAS PAID OFF EARLY. I ALSO INCLUDED THAT I HAD ANOTHER LOAN FOR THE WITH HIGH LIMITS PAID OFF EALRY. 
ON XX/XX/XXXX I CONTACTED Sheffield Financial ServicesXXXX WHERE I WAS BY XXXX XXXX. I ASKED FOR HIS COMPANY CONTACT INFORMATION. HE THEN BECAME VERY AGGESSIVE. I TOLD HIM HIM I WOULD CALL BACK. FOLLOW THAT CALL I CALLED BACK IN SPEAKING WITH XXXX XXXX. I REQUSTED THE COMPANYS INFO, I WAS THEN PLACE ON HOLD SHE STATED SHE DIDNT HAVE ANY INFORMATION. MOMENTS LATER XXXX XXXX GOT ON THE LINE STATING " IS THIS XXXX YES WE MADE OUR DECISION AND WE DONT WANT TO DO BUSINESS WITH YOU AND HUNG UP ''. HE NEVER INTRODUCED HIMSELF AND DIDNT LET ME GET A WORD IN .... I HAVE DOCUMENTS FROM THIS ACTION ALSO. 

( audio files are to long for upload please provide an alterative source ).

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A XXXX XXXX account was opened in my name I did not authorize this account. I have disputed this account with XXXX  and with XXXX with no help from neither

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 2023-06-27
Company: EQUIFAX, 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:
I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I checked my credit score monitoring service online. I noticed a red star, which means I had a recent alert. It was a collection, filed by National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA XXXX. I was informed by XXXX XXXX at National Credit that the collection was for an apartment rental at XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I have NEVER live in XXXX at XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX since XXXX. XXXX sent me a form to fill out and return to National Credit Systems. I file a police report with the XXXX XXXX Police Department. That police report number is included on the form sent back to National Credit Systems. I visited the XXXX at XXXX XXXX apartments and attempted to get copies of documentation showing the use of my social security number and/or birth date. The manager refused my request, The manage informed me that the collection agency had all the documentation and would send it to me upon request. I requested the lease and rental application. National Credit Systems sent the lease but refused the rental application. My social security number nor my birth date are displayed on the lease. Also, the signature on the lease is not mine. The signature is XXXX XXXX XXXX. I am XXXX XXXX XXXX, XXXX. The collection agency has refused to investigate any of my claims. XXXX, XXXX Police Department has not returned any of my phone calls. I'm stuck with a {$4200.00} collection account on my credit report. I am a businessman. I have business lines of credit that will be impacted by this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: WELLS FARGO & COMPANY
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:
My rights were violated pursuant to Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-06-27
Company: EQUIFAX, 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:
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 XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regulation d is suspended and bank had suspended withdrawal fees from saving account. I have been charged fees for withdrawing from savings even though they are waived. They are refusing to reverse the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: TN
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:
A XXXX XXXX account was opened in my name I did not authorize this account. I have disputed this account with experian and with XXXX with no help from neither

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 2022-09-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
filed a dispute regarding this account ..did not recieve documents used to verify this account creditor and XXXX  bureau has refused to remove this account from my credit profile which is hendering my ability to purchase a 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 2021-02-14
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MERCHANTS CREDIT GUIDE IS A THIRD PARTY DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS. I WANT THEM TO REMOVE THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: AA Recovery Solutions, Inc.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I requested proof of debt. I was sent a letter from the company saying what I owed and the original company name, not a copy of the contract. They also threatened to sue me for the following : Due to delinquency in repaying the amount you owe ; we are going to file this case at your district courthouse. You will be served with a subpoena to appear at your district courthouse in next 3 business days. 

XXXX XXXX XXXX XXXX HAS STATED FOLLOWING ALLEGATIONS AGAINST YOU AS BELOW : ( 1 ) Violation of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft by Deception They also contacted several people in one day stating they are coming to my house or place of employment.

To include a minor child was left this information.

I was not informed that the debt was moved to a debt collector. The debt collector contacted me two years after the last communication from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have unlawful inquiries and delinquencies on my credit report. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo credit card is charging me {$540.00} when I do not have an account with them and I closed my previous account with them back in 2013.

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 2023-10-19
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and XXXX XXXX i sent letters to these 3 credit bureaus requesting them to stop reporting inaccurate information about me on my credit profile after i recieved my credit report. I got a response of the information came back verified. I wrote asking them to provide them method and sources used to verify in the inaccuracies about me no response. These items are in collections which is sold debt and/or charged off which is cancelled debt and filed on the business taxes. Since the debt is cancelled it shouldn't be reporting as past due with a balance. I have no written contract or consent with these collection agencies. This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and are required to remove any information that isnt true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be investigated and permanently removed from my 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXXXXX XXXX, Transunion, XXXX, and 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 2023-11-13
Company: Harris & Harris, Ltd.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX XX/XX/23 call and voice-mail at XXXX XX/XX/23 call at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XXXX XXXX I called Bank of America because a month earlier I asked them to close my credit card account along with the two checking accounts I had open. They said ok so I assumed it was taken care of. 
A month later I see a statement in mail saying there is a balance. I called and told them this account was closed and gave them my credit union account info a said please pay off the balance and close it for good this time. It was for the amount of {$82.00}. Again I assumed it was handled again. A few weeks go by and I get another alert that this account was past due. I called and asked why and they said the payment I gave them came back which is impossible because XXXX XXXX said its the correct info and it has more than {$5000.00} running balance at all time plus has {$1000.00} over draft meaning it would have paid the {$82.00} no matter what. Bank of America must have gotten my XXXX XXXX  account info wrong which kept them from getting their money and didnt want to admit it. Because if this banks lack of doing their job now I have a 30 and 60 day late on my credit report. I have perfect credit with a score of XXXX and have NEVER paid anyone late in my life and I want this off my credit because I paid them many times. I paid them again on XX/XX/2022 and paid them once again to pay off the balance and close the account. I want this closed, reported closed and the late pay blemishes off all three of my credit bureaus

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 2023-09-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
XXXX XXXX XXXX too old to report NYS law pad charge off must be removed after 4 years its been 6 its to old to report XXXX and XXXX has already deledted this last year

Company response to consumer: Closed with explanation