BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXXXXXX Balance : {$1300.00}, XXXXXXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/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 2021-10-15
Company: EQUIFAX, INC.
State: OK
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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, CA 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 XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
There are several problems with XXXX 's reporting. This account is too old to be on my credit report, the payment history is incorrect, the history and account status is incorrect. XXXX investigated and correctly removed this account from my credit report, but Transunion and XXXX have failed to do so. They have not completed a timely, adequate, or proper investigation and have not appropriately provided me with results of their investigation. XXXX is incorrectly reporting this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a complaint again XX/XX/2023 but it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-09
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00}, XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake.

Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.

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 2022-12-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, fintech, healthcare, insurance, mortgage, professional services, retail, e-commerce, and government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have multiple loans with Navient. The problem due to having multiple account open, as well as being enrolled in IBR, the online system makes it difficult for me to pay the allotted monthly payments. It continues to show that I owe more then what I quality for using IBR. When I made contact, most of the providers don't know how to solve the problem, and there responses have been more confusing. They have said I should consolidate my loan through, however failed to mention that if I do that I will not be able to carry over my years of successfully making payment under IBR, for loans forgiveness after 20 years. I have also accrued late fees and payments that are confusing to me, given that I have been on IBR repayment, and there is not clarification how to stop these from accruing. I also have no support in learning how to renew for IBR, and are not provided with yearly updates. I am currently in Forbearance and do not know why, given that I am under IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-02-05
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:
Experian has a XXXX  XXXX XXXX credit card that has been shown open since XX/XX/XXXX under my credit report. 

I've had XXXX other XXXX  credit cardXXXX one that was personal and opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. The other card I was an authorized user but was closed in XX/XX/XXXX. 

I've contacted BoA about a possible card that's open under my name, but they could not find said card under my SSN. I've disputed said account with Experian, but they haven't been able to help. 

XXXX said they would be able to help me if I knew what the account number was, but Experian wouldn't tell me. The account has been open since XX/XX/XXXX, and appeared to be in use, the balance is paid off each month. 

The account is only reported by Experian as far as I know and not the other XXXX credit Bureau

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 2019-08-30
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX I uploaded a document from the original creditor that deemed me not liable for the debt as it was found that I was a victim of identity theft through documents that I submitted to them. 
I contacted Experian today, XX/XX/XXXX, requesting the significance of this investigation and not deletion as I have been disputing this debt for several years but instead it has been coming back as " verified and been told to dispute with the original creditor on numerous occasions. After speaking with the Fraud Department Manager, I am now being told that my letter from the original creditor did not pass Experian 's Authenticity process! 
Experian is now stating Im providing false documentation to them after Ive been victimized.

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 2022-07-08
Company: Paxful Holdings, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I friended a woman on XXXX  who introduced me to a trading platform called Paxful ( Paxful Plus ). I transferred a small amount of money there initially in XXXX I believe ( {$5000.00} I think ) and started options trading with the direction of her. I was making decent returns, so I invested more and more. All tolled, it was about {$51000.00}. My profits continued to grow and grow. My current balance is about {$290000.00}. I went to withdraw my funds and was told I needed to pay a withdraw fee of 16 %. At the time that was {$39000.00}, which I sent to a third party company in CA, which I can provide later. After a failed attempt to get my money out via XXXX I told them I wanted it to be transferred in USDT. They said there is an additional 7 % fee for that. I was irate and pushed back. They wouldn't budge. I said ok, then I only want to withdraw {$160000.00} and so the {$39000.00} withdraw fee I've already paid will cover the 23 % withdraw fee. They wouldn't allow it and said all funds must be withdrawn. And basically that's where we are now. 

I have a cell phone number for the woman, but we have almost exclusively communicated over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX XXXX XXXX specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies.

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA.

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

Sincerely, 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 2023-05-09
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Approximately 10 - 12 years ago I deposited money into a new account and also had given Wells Fargo {$500.00} for overdraft protection. The employee then made multiple accounts with that money in my name. The bank manager found this out for me* - when I asked for the money back they told me.i wouldn't be allowed to have it. Also they forced me to pay - {$200.00} overdraft ( which should have been protected! ) I never asked for multiple accounts but in the news I saw around that time that Wells Fargo employees were doing this to make their " new client '' quota 's and get bigger bonuses. I was taken advantage of and to this day nothing was done to make it right.

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 monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: AL
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, Account # XXXX, Accont # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. I also state a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Accont # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. I also state a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are not mines.

Company response to consumer: Closed with non-monetary relief