BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$270.00},

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 2020-05-05
Company: EQUIFAX, INC.
State: MN
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:
Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-03-27
Company: SYNCHRONY FINANCIAL
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello. Paypal sold my information to Synchrony Bank. In XX/XX/2019, Synchrony Bank opened a credit line in my name. This is CREDIT FRAUD. The Account # XXXX The amount was for XXXX USD and then this loan defaulted on XX/XX/2019 at XXXX USD. I have contacted Synchrony and spoke with XXXX who tried repeatedly to get me to give him my social security number. I did not. He told me there was no record of my name opening an account in XXXX with Synchrony and that there was nothing he could do. He informed me that they had access to my data because it was sold to them by Payal. I contacted Paypal who confirmed this -- told me they understood it was a fraud and they had no responsibility. ( I screen shot all of that conversation and will attach it here ). I have contacted XXXX, XXXX  and XXXX and requested this credit fraud be cleared from my record. I have placed a lock on my credit record with XXXX ( paying XXXX dollars a month for this service ). What Synchrony has done is outrageous and if you can hold them accountable I would be very grateful. Thank you, 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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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 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 2023-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Subject : Continuing Issues with Bill Payments- Formal Complaint Dear Wells Fargo Customer Service, I am writing to express my frustration and dissatisfaction with the handling of my bill payments by Wells Fargo. Despite multiple attempts to address and rectify the payment issues, the situation remains unresolved, and I find the management of these matters to be chaotic. 

I have made repeated efforts to contact Wells Fargo regarding the difficulties I am facing with bill payments. Unfortunately, these attempts have not yielded a satisfactory resolution, leading me to escalate the matter and file a formal complaint. 

I trust that Wells Fargo will thoroughly investigate the issues Ive raised and take appropriate actions to rectify the ongoing problems with my bill payments. Your prompt attention to this matter is crucial to maintaining a positive customer relationship. 

Sincerely, 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 2023-03-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX ( Act # : XXXX ) has violated my rights. 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-03-27
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX M J ALTMAN COMPANIES I XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a decent credit score of a XXXX. I was going to my different credit card companies that I already belong to to see about getting a limit increase so that I could raise my credit score and finally get to the XXXX club. They all told me whether or not it would be a soft or hard pull except Best Buy. When I tried doing this with Best Buy and their credit card on their app, it did say that theyre going to do a pull on my credit report but I was under the impression it was a soft pull. It didnt say it was going to be a hard pull. Im not applying for a new credit card, I was just applying for a credit limit increase. If they wouldve told me it was going to be a hard pull I wouldnt have authorized it. When I called, they said that there was nothing that they could do because it was already processed and I would have to call XXXX. When I called XXXX, they told me I would have to contact you. In the end if Im not able to get this taken care of, I can at least worn others that this is the case. That if you do a credit limit increase through Best Buy they will indeed do a hard pull. Which I was unaware of.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I quickly pulled my report to review my credit. I found many fraudulent accounts I have never gave consent to open. Please delete these items from my accounts. 

XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$870.00} US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX  XXXX {$720.00} XXXX XXXX   XXXX {$890.00} XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$830.00} US DEP ED XXXX {$24000.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX {$820.00} XXXX   XXXX {$640.00}

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 2020-09-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a written dispute regarding inaccuracies on my report. I am trying to purchase a home for me and my family and my credit has become very important to me. I received confirmation via certified mail that my dispute had been received on XX/XX/XXXX, however Equifax did not complete the investigation until XX/XX/XXXX. After receiving my results, some inaccuracies had been deleted, however some had been verified as accurate. The same accounts Equifax claim to have been verified, have been deleted by other credit reporting agencies due to failing to verify the accounts. I believe Equifax has been negligent in conducting a fair investigation of the erroneous items, so I requested method of verification used to validate the debts. Instead of providing me with the requested information l, Equifax initiated another investigation giving me a completing date out 30 days. This is a direct violation of my consumer rights. Per the FCRA the bureau has 15 days to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report and found the following item ( s ) to be  errors.

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 2021-10-11
Company: Accurate Background
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never been to the state of Florida we're it shows various cases for drugs and narcotics this is preventing me from getting a job can you clear this up please. I am not on probation or parole this is clearly identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: CO
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Resurgent Capital Services L.P.
State: KS
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:
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 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 two Bureaus, Transunion 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 2020-03-27
Company: ERC
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: Old information reappears or never goes away

Complaint:
Enhanced Recovery Company has consistently reaged an account that is almost 10 years old. The original creditor is XXXX   XXXX XXXX. There is no account number listed. They reporting that this account opened on XX/XX/XXXX, when in fact this account went delinquent in XXXX. The last reported amount is {$500.00}. I have made attempts to remove this account by disputing this account with XXXX, XXXX, XXXX. Enhanced Recovery has consistently reported this account as open. Each time reporting a new and more recent open date. Please help me stop them from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation