BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-10-05
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please reference the following CFPB closed complaint : XXXX. There are multiple documents added to the complaint for review and to assist in adjusting the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trans Union is trying to collect on a national grid bill I never order. I have No knowledge on what property this national grid bill is suppose to be on. If you look at my credit report I have 100 % on time payments. 

Someone used my name to access this account in my name. 

They are still holding me responsible when it is not mine debt!!!!!!

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 2023-01-11
Company: Experian Information Solutions Inc.
State: SC
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:
To Whom It May Concern : EXPERIAN, XXXX, and XXXX Im writing because I see that my request as a federally protected consumer havent been acknowledge or respected and the several unlawful acts and violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
I made a request for verification and documentary evidence of these accounts and it been well over 30 days ago, to date as required by law per 15 USC 1681 To, I have not received any valid proof or heard any response from these organizations Experian, XXXX and XXXX regarding this matter. 

I am requesting that these negative accounts be removed from my credit report IMMEDIATELY, as they are causing significant harm to my credit score and overall financial well-being. 

XXXX : ACCOUNT # XXXX EXPERIAN XXXX XXXX XXXX XXXX Date opened : *different dates Number of months ( terms ) *different numbers High credit : *different numbers Last reported : * different dates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are XXXX accounts XXXX XXXX all with the same account numbers *All different information and inaccurate reporting as well XXXX : ACCOUNT # XXXX XXXX Billing error on this XXXX XXXX XXXX  account., never late! 
Also, violation per the Electronic Transfer Act & 15 USC 6802-OBLIGATIONS TO RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. Fix this account to paid as agreed and never late or delete it as well. 


Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX Delete based on 15 USC 1681 b- PERMISSIBLE PURPOSE & The Privacy Act of 1974 Furthermore, I would like to remind you that under FCRA Section 611 ( a ), credit bureaus are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccurate or unverified information. I am confident that upon investigation, it will be found that the accounts in question were reported in violation of my rights and once again its been well over 30 days and theres been plenty of time for your investigation and for the documentary evidence I requested. Therefore, I want the accounts and inquiries I stated above deleted the very min you get this. 

I urge you to take immediate action to rectify this situation, and I look forward to hearing from you soon, By the way as stated before my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX and any other address on my report is non-mailable and needs to be deleted as well. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX : Account number : XXXX, Date open is showing the wrong dates. Investigate, delete or fix date of last payments. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
ADVERSE ACTION DENIAL LETTER : OFFER REJECTED : Discrimination An application was submitted to Affirm for an extension of credit for household purposes. As the applicant, I was denied due to Discrimination for exercising my right in good faith under the Consumer Credit Protection Act. It is IMPOSSIBLE for a consumer report to reflect my credit worthiness because I exercise my right to PRIVACY under the Fair Credit Reporting Act 15 usc 1681a. My credit worthiness is not affectively reflecting in this consumer report, and I have several other things that can vouch for me to be credit worthing for this transaction. 

In addition, Affirm failed to offer me the opportunity to establish my own credit worthiness which is a violation under the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TD BANK US HOLDING COMPANY
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:
In XX/XX/XXXX I was advised by TD Card services that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted TD Card services and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact RD Card has now reported the fraudulent address to the credit reporting companies ( XXXX, etc. ). Today I spoke with XXXX at XXXX  and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with TD Card services and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to TD Card on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from TD Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fear I made a big mistake, when rushing in my signed paperwork that will allow for my Wells Fargo ( WF ) mortgage lender, to, supposedly, " recast '' my loan! And I must now stop the music, to gain a CLEAR understanding of what in heck WF is doing in its " recast agreement '' with me, and if it is something I even should agree to have happen!

WF and I have a lon-n-n-ng, rocky relationship, in which my now dead husband and I, pay, pay, pay our mortgage, seemingly to little avail. I've managed to stay current on our mortgage since our bankruptcy and loan modification agreements with WF years ago. So, I wrongly assumed WF was " helping '' me, when I got its XX/XX/XXXX Recast Agreement. The WF legalese was NOT at all written in layperson 's English. But I read online about my HAMP loan offering {$10000.00} loan reductions to folks like me- who manage to make timely mortgage payments after stumbling back onto our feet. And I jumped to thinking WF wanted my signed paper back by XX/XX/XXXX, so WF could run its new numbers for me, after chopping the {$10000.00} from my principle balance. 

WF said I must send in my signed paper by XX/XX/XXXX, so I can at least get WF to crunch my new, recast numbers. But after I mailed my paper in a mailbox on XX/XX/XXXX, I re-looked at the WM recast agreement packet, and realized, WF " already '' " recast '' my loan, since WF shows an " adjusted monthly payment '' chart - a chart that seems to show " stupid '' me, paying WF {$2400.00} beginning XX/XX/XXXX! Never mind that my loan modification paperwork from XXXX shows amounts lower than this, withOUT any recast deal! 

I was so upset by this " recast agreement, '' in retrospect, that I contacted XXXXXXXX XXXX troubles company that dug my late husband and I out of foreclosure in XXXX. But that was XXXX! A XXXX lawyer today says I must pay {$1600.00} for XXXX to represent me again, in this new recast matter now! So, I told him, no, thanks, hung up, and now, seek help from you, Consumer Financial Protection Bureau ( CFBP )! 

I will need to use my own noodle, hopefully, get WF to break down whatever WF is proposing, and stop any progression on this recast mess I do NOT understand nor see any reason for proceeding with!

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-05-02
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
HI This is XXXX, I am using Macy 's credit card. I had a payment due, which was to be paid by XXXX XXXX account by autopay. I paid money by XXXX XXXX XXXX account due to less balance in XXXX and it was done by autopay only. Their system didn't cancel payment from XXXX. Even after all payment done, Macy ; s credit card was trying to get momey from XXXX. I got a mail today and checked my XXXX account and there was balance of XXXX due to Macy ; s system trying to get money. I talked to MAcy 5 days back and they said, they got extra money and will send my check of that. How come a credit card company, with XXXX balance trying to get money, Big system failure I want Macy to reimburse me for charges done by XXXX. 
Top of it Macy already charged my XXXX dollar for bank refusal, well there was XXXX balance on my card.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: CT
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:
It has come to my attention that on my Experian credit report there has been several ( four ) unauthorized inquiries in XX/XX/2022. This was extremely unsettling since during this same month two of my accounts were compromised as well. The following are the events that transpired : 1. I went on vacation on XX/XX/XXXX thru the XXXX, traveled back on the XXXX. 
XXXX. On XX/XX/XXXX there was an unauthorized XXXX XXXX inquiry on my credit report. 
XXXX. On XX/XX/XXXX, my XXXX account was hacked with several unauthorized transactions, where as I was forced to freeze the account, change passwords and was reissued a new XXXX card. 
XXXX. On XX/XX/XXXX thru the XXXX, my XXXX XXXX XXXX was hacked with several unauthorized transactions, where I once again was forced to freeze the account, change passwords and was reissued a new XXXX  XXXX card. 
XXXX. On XX/XX/XXXX, there were more unauthorized inquiries from XXXX XXXX again, XXXX and a XXXX. 
XXXX. Due to the nonstop inquiries, I was forced to lock my Experian account immediately so no more inquiries will bombard my credit report. 
XXXX. After XX/XX/XXXX, I noticed the lock on my mailbox was broken, making my mail easily accessible to anyone. Therefore, due to the compromise, I had mailbox lock replaced and reinforced. 
XXXX. On XX/XX/XXXX, there was an unauthorized attempt to open a checking account with a XXXX XXXX. Thankfully, due to the lock on my Experian credit report the company could not process the application. 

I was advised by XXXX and XXXX XXXX that my cards where most likely compromised while on vacation since all these events that compromised my financial accounts and credit report happened immediately after my vacation. 

It is suspected that the hackers who compromised my accounts are the same who tried steal my identity to open new accounts in my name and broke my mailbox lock. They were hoping to steal my identity, get new credit cards, take them from my mailbox and use the credit cards while I would be stuck with the charges! 

Obviously, someone is monitoring my financials so now I have to be extremely careful with the security of my accounts going forward.

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 2022-07-12
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving regular emails from a company called TrueAccord regarding the collection of a debt from XXXX XXXX. An individual from TrueAccord has been emailing me starting on XX/XX/XXXX to the most recent email which was received on XX/XX/XXXX. In that timeframe, they have sent me XXXX separate emails about this debt. I have no recollection of this debt and it does not show up anywhere on my credit report. 

According to 15 U.S. Code 1692c - Communication in connection with debt collection : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I have NEVER given this company nor individual permission to contact me. 

The representative from TrueAccord is also in violation of 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Furthermore... 

15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

XXXX emails is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$150.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/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 2022-11-19
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.

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