BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: NJ
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-28
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: Account information incorrect

Complaint:
I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ inaccurate

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a 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 2023-01-24
Company: Experian Information Solutions 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:
Account Name : XXXX  Account XXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXX XXXX to get this old account deleted/removed it was paid off back on XX/XX/2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account NumberXXXXCollection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit 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 2023-03-22
Company: Advance America, Cash Advance Centers, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from Advance America without my signature again they will not verify

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Target states online payments received by XXXX XXXX are credited as of the day of receipt. I made my first payment on XX/XX/XXXX and that payment was not credited to my account until XXXX weeks and XXXX days later even though it was shown on my bank statement on XX/XX/XXXX. I made my XXXX payment on XX/XX/XXXX. It is now XX/XX/XXXX and still have not been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-11-14
Company: EOS 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 information incorrect

Complaint:
EOS CCA is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to EOS in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and EOS took advantage of me and my finances. Please delete this account right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX college lied and defrauded me. I was told I would get help with job placement and I did not. I graduated XX/XX/07 and when I called to inquire why I did not get my degree in mail I was then told I owed over {$5000.00} - not true! Also they wont release the degree or transcripts. I also refuse to pay for a worthless degree that I cant have and cant use thanks to them. The school was closed. I was hounded to enroll and was never told Id owe money above my student loans. I was lied to and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma keeps approving me for the last 7 years of all kinds of different credit cards that I'm supposed to be pre-approved and every one of them I always get denied for the last 7 years my bank XXXX approved me for a credit card XXXX a bank approved me for a credit card and credit karma keep saying that I'm pre-approved and I am qualified for all my cards all during that time and never once said I ever receive a credit card it was always denied this is false advertising if a person 's pre-approved for a credit card then therefore he should receive his credit card not be denied when they pre-approved me ahead of time it is false advertising it is false statements and every one of them ding my credit on my credit report. All documents and all information that I have I will keep from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Placement Services is reporting at least XXXX separate debts ( {$65.00} and {$61.00} ) on my credit report that I am disputing. 

I called and they said I have XXXX accounts in their office, with these 'client reference numbers ' XXXX XXXX XXXX The company may note that all of these debts are disputed and that I'm requesting that they cease all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; FXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; FXXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Consumer Adjustment Company Incorporated
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message : This message is from CACi. Please call us at XXXX info at : XXXX Reply STOP to opt out. Msg & Data rates may apply. Thank you. 

To which I responded to via phone call; thought it was an employer with potential job lead. 

Upon verifying my information the gentleman said that I had an outstanding debt with XXXX XXXX XXXX XXXX ; my bank. I asked him to email the info; and he rattled off an email address that hasnt been used since I lived in XXXX XXXX TX. 

I gave my correct email and he did not send the email to me as of yet. 
I called back and got another person ; and I let her know that I had spoken to her colleague, and if the calls were recorded she would be able to see whom I spoke with and tell him I send me the collections information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This not my loan I never attended any school online or in person attached to this to loan nor did I authorize or agree to any loan amount with XXXX or personal or private loan companies this is a case of identity fraud and I would like this removed from my credit 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Serious Complaint of Fraudulent Activities, Harassment and Violation of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to register a complaint against Bank of America, concerning an ongoing issue related to a fraudulent auto loan that was discovered under my name in XX/XX/2023. Despite providing a police report and identity theft affidavit, Bank of America continues to hold me liable for this fraudulent account. 

Bank of America 's fraud investigator, XXXX XXXX ( Phone Number XXXX ), has notably surpassed professional boundaries. Her conduct has been abrasive, confrontational, and ultimately, harassing. Despite my repeated insistence that she communicate with my attorney ( as outlined in the letter sent to Bank of America on XX/XX/XXXX ), XXXX XXXX disregarded this directive and continued inflicting distress upon me with inappropriate and intrusive phone calls. 

What's more, she exceeded her jurisdiction by contacting my local police department and falsely accusing me of forging my police report. This resulted in a detective contacting me to question me based on her allegations. Following the investigation, the detective confirmed that there was no evidence pointing towards me being the one who took the loan. 

I wish to underline that such conduct and disregard from Bank of America and its representatives severely infringe on my rights under the Fair Credit Reporting Act ( FCRA ). As per Section 615 of the FCRA, any user of a credit report is required to provide a notice of an adverse action ( like applying higher interest rates ) if the action is based upon information contained in a consumer report. However, the bank in question is alleging a fraudulent loan on my account and categorically denying my involvement in it. 

I believe the activities and conduct of Bank of America and its representative have been grossly inappropriate, potentially illegal, and a clear violation of my rights. As such, I request a full-scale investigation involving federal intervention to bring justice to this matter promptly. 

Attached herein is the letter from my lawyer, outlining that all further communication related to this matter should be directed to him. 

Should you require any further information to pursue this case, please feel free to contact my legal counsel. I look forward to a swift resolution to this matter and thank you for your intervention. 

Yours 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 explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX & XXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] without Prejudice, All Natural Inalienable Rights Reserved

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 2020-01-10
Company: Experian Information Solutions Inc.
State: AZ
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 have a major identity theft case I have filled a police report identity theft report and have hired a lawyer I havent gotten any help after disputing the item several times there are still inaccuracies reporting on my credit report XXXX XXXX XXXX  XXXX  XXXX  opened XX/XX/XXXX fraud balance XXXX $ Account number : XXXX name on account : XXXX XXXX XXXX dob : XX/XX/XXXX this has affected my family in so many ways I just want justice for the person that did this deserves to be stopped and help accountable.

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