BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written and called Experian numerous times. This account, XXXX XXXX XXXX, is not mine. I have never had a credit card with XXXX XXXX with the account number XXXX. This account also has the exact same balance as another account on my report. 

Neither Experian nor XXXX XXXX has provided me proof that I have opened this account, balance/ payment history, or any proof whatsoever that it belongs to me. 

Experian is showing that I had a credit card, account # XXXX, balance {$10000.00}. This is incorrect and needs to be removed. This negative information is causing me a significant amount of damage to my reputation and credit score.

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 2023-08-21
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MD
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

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 2020-07-28
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX violated my rights. 

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

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 2022-04-19
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted through XXXX by an alleged military man who for 2 months based on deceit convinced me to make 2 wire transfers, the first for {$3600.00} and the second for {$12000.00}. I have evidence of the same. He was an alleged soldier based in XXXX and struck up a friendship after an alleged personal interest, in an alleged mission he was awarded {$400000.00} for his performance and for having saved the lives of some hostages, but due to his situation and security he could not be kept safe. he that money. He told me that his mother had passed away, his father had XXXX and he had no one. Believing that he was not going to involve something monetary on my part, I agreed because there was already an affection and he knows how to gain my trust. Then a supposed shipping company writes to me called the package is being held by customs and in order for it to be sent to its final destination, you must pay {$12000.00} to grant one of the permits. The transfer of {$12000.00} was made on XX/XX/2022 with the promise that it would be paid once the alleged money arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Paramount GR Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In the begging of XXXX  a sales representative from XXXX XXXX XXXX came to my door and spoke to my then husband, XXXX XXXX was convinced to buy solar panels with XXXX. I did not agree and told XXXX that it was a bad idea. I did not want the solar panels, however XXXX continued to coordinate with the XXXX  XXXX XXXX told me that he would pay for the panels and handle everything. XXXX  signed all of the paperwork and loan forms. A few months later XXXX and I split up and then I got a call from Goodleap ( the loan company that XXXX used ) saying that I owe on my loan. I was not aware that there was a loan in my name as I did not apply for a loan, agree to one, or sign any contracts. I found out that the loan was for {$95000.00} and that it was for the solar panels that I didn't even want. J states that when he signed the forms that they were enlarged on an XXXX for him to sign and initial, therefore he says that he did not see that it was in my name. The loan is in my name with my SS number, XXXX 's bank account info., phone number, initials, and signature. After going over the details with the Goodleap fraud department, the issue has still not been resolved and I am still being asked to pay for a loan that I did not agree to, apply for, or sign for. It has been four months since this issue has been under investigation for fraud and I still don't have an answer. I am being told/ threatened by Goodleap representatives that this will effect my credit if I don't make the payments. My credit has always been good, so this is very stressful and upsetting to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: UNITED GUARANTY CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, I obtained a mortgage insurance policy from United Guaranty Residential Insurance Company as a stipulation for a mortgage loan. A default of the mortgage required United Guaranty to pay the balance of the loan to XXXX XXXX after the foreclosure sale. Since that time, United Guaranty has made several ( 6 ) attempts to obtain reimbursement via civil actions ( Case No. XXXX ) to no avail. Once again United Guaranty has filed to obtain reimbursement in hopes that at some point they will receive a positive judgement. The fact United Guaranty received payments as a insurance company, but now seeks to be reimbursed leaves me uneasy and cause me to question the necessity of obtaining insurance. Though the courts to date has found United Guaranty claims to be baseless, it has been aggravating to have to take time away from my work to defend myself against an entity I paid to supposedly protect me from civil action. It is also to be noted that the claim was less then the amount which I was insured for. The insurance company is attempting to act as the subrogate of XXXX XXXX, who has taken no actions for or against United Guaranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing to dispute the debt that you are attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe this debt because I was a victim of identity theft. 

On XX/XX/2020, I became aware that my identity had been stolen. I filed a report with the Federal Trade CommissionFederal Trade Commission ( FTC ) reference XXXX XXXX and contacted the three major credit bureaus to place a fraud alert on my credit reports. 

I request that you investigate this matter and cease all collection efforts on this debt. If you have any questions, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am currently situated in a XXXX XXXX  and prior to entering the facility my cell phone was given to my mother because she actually bought the phone just a few days before. My sister entered my mothers house and stole my phone containing all of my personal account information. I had left my wife all of my information for most of my other accounts so she could handle all of the finances etc I could not remember the login to my Chime account and the only way to change the password was to have possession of the phone my mother took back from me, the same XXXX my sister stole. My wife had physical possession of my debit card for my chime account but she could not access my account. My wife informed me that my sister had stolen XXXXXXXX XXXX out of my chime account. Once my wife learned my sister had taken money from my account she began moving my money onto her own personal XXXX XXXX to prevent my sister from taking even more until I was able to contact chime to get my account more secure. I eventually was able to use a phone to contact chime ( again ) and have my account reset so my wife could have access to it. My wife updated the password and phone number associated with the account and cut the old card off and had a new one sent out. I had filed a dispute with chime and was told my wife needed to press charges or file a police report ( since I am in a XXXX XXXX  ) before they could issue the money back to the card. My wife went the next day and filed a police report and sent it to chimes support team via email. They denied the dispute and would not return the money. I called again today to speak with someone and give information about my account and they still denied the dispute and will not return the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i notice on my credit report that i had 2 collections that was reporting that is not related to me and the credit bureaus XXXX and Equifax violated the FCRA by reporting A collection account without sending me a verification letter stating that its my debt. The collection agency XXXX XXXX XXXX XXXX XXXX violated the FDCPA pursuant ( 15 U.S. CODE 1692g - Validation of debt ) they never sent me a letter in the mail nor electroninally stating that i owe this is a violation that need to be handled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of the two negative accounts that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The XXXX accounts read ( DEPT. OF HUMAN SERVI ). Equifax failed to Investigate the first time and now they're performing a re-investigation witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative 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 may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my 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. Equifax and the DEPT. OF HUMAN SERVI are committing Fraud and Identity theft. I the consumer just got an update on the ( XXXX of XX/XX/2022 ) from Equifax that they ( removed/Deleted ) the XXXX FRAUDULENT ACCOUNTS ( DEPT.OF HUMAN SERVI ). DELETION IS ADMISSION and Equifax Caused DAMAGES to I the consumer, I the consumer Is Demanding monetary relief for the following violations/Damages In accord to federal law ( FCRA ) : 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681.

Equifax and the ( DEPT. OF HUMAN SERVI ) Violated Title 15 USC 1681b ( a ) ( 1 ) Under permissible purposes of consumer reports and Violated Title 15 USC 1681a ( e ) Investigative Consumer Report.

I The Consumer/Natural Person, Experienced SLEEPLESS NIGHTS, ANXIETY, my REPUTATION RUINED, HUMILIATION, and UNABLE TO WORK. 
AMOUNT : {$3000.00} DUE UPON RECEIPT PAYMENT METHOD : PAY BUY CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: MO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$100.00} This will be my follow-up complaint in line with my previous complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft I fax police report and all I can fax! My USA passport this is not my first case about lost my adentity I Lear how to deal with it till they can arrest the guy.. right now Im asking you to verified everything and return it to the original creditor! Is XXXX and delete it from my credit thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

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

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years. 


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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a dispute to Transunion about a late payment from my XXXX XXXX credit account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported it.

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 2022-10-16
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin XXXX XXXX. I enclosed a letter stating these facts and this company verifies to the XXXX XXXX XXXX and XXXX as if they received this information directly from the court it is unvalidated information.

Company response to consumer: Closed with explanation