BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. I have recently become aware of unauthorized accounts on my credit report, and I insist on the aggressive deletion of these accounts without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The presence of these fraudulent accounts is not only damaging my creditworthiness but also causing undue stress and hardship. Therefore, I demand the immediate removal of these items from my credit report. 

I expect the credit bureau to conduct a thorough investigation into this matter and provide me with a prompt response. As the victim of identity theft, I urge you to take aggressive action to rectify this situation at the earliest possible date.

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 2023-11-09
Company: EQUIFAX, INC.
State: VA
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:
According to my research about FCRA 605, XXXX Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: IL
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 request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Yes I have XXXX diffrent bankruptcys reporting on my credit report that does not belong to me, I have contacted the courts and they verified that its not me and they dont verify information such as those records to the credit bureau , which I have been a victim of identity theft and they get there records from XXXX XXXX XXXX XXXX which is inaccurate and I will like it to be removed from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-01-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18. PNC is the 2nd TD. PNC is refusing to return any of our requests for a callback, will not give us status updates on the short sale, and we are currently at a standstill because they are claiming that the negotiator is unavailable and have NO idea when he will be back. They apparently are grossly understaffed, as they have no one working his files while he is gone. Neither the front-end nor management can tell us anything that is going on with this file and they have had this file for OVER SEVEN MONTHS. We have met all their demands and have no idea why they are still delaying the process. 

Again, this is a 2nd TD, and we are at the end of another round of 60 days worth of approvals from the 2nd TD. We just want someone at PNC to answer us. This dysfunction is an ongoing problem with PNC as a whole, to the point that it is obvious it is by design. It is done on purpose to obstruct their own clients ability to obtain a resolution to Retention Options. We just want a response from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Account information incorrect

Complaint:
I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that XXXX had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe XXXX  {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to Experian, XXXX  and XXXX  indicating XXXX is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to XXXX. 

All three credit bureaus are reporting the following debt owed to XXXX  XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
denied an extension of credit by XXXX XXXX XXXX. XXXX applied for a credit card with XXXX XXXX XXXX  As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

has violated my federally protected consumer rights.

1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 proof and evidence that I have been discriminated against, you are also criminally liable.

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 2018-12-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My vehicle was paid off XX/XX/XXXX. My XXXX XXXX XXXX was financed through BBVA ( Compass Bank ). The received more money than what was owed on the account and they sent me a refund for the difference of {$730.00}. I knew three days after purchasing my new vehicle the over payment from the dealership. I called XXXXXXXX XXXX to get my gap insurance refund and they told me that I could not file a claim for that until they received a paid in full letter from Compass. I had to wait like 20 days before they were able to provide me with the letter. Once I got the letter I sent it to XXXX XXXX  and they told me that the money would go back to the dealership and Compass would debit the account and refund me my money in 30 days. I called Compass and they told me that they included that in the refund they sent me previously. This is not my first time paying off a vehicle and I know that was not true. I did not file a claim for the gap insurance until well after I deposited the check from them and I knew the exact dollar amount of my over payment and the amount they are saying is not correct. They are refusing to refund me my gap insurance over payment. I was told my payoff was {$350.00} cheaper than they are now reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-11-09
Company: EQUIFAX, 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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have many inquiries from unknown companies showing up on my credit report. I need these 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 explanation
Consumer complaint received 2020-02-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen in 2017. The bank cards I never got in the mail I never could identity myself with the bank to even get a new card or statements. They kept saying I want me. Also checks I see is the information I never used checks. It wasnt into Two years into I was able to get the bank statements. Missing money and serval banks and check use has been used with my identity since. XXXX is the email that was stolen and hacked. The phone provider was XXXX. My wallet was stolen and bypass security was used with it. Changing the name to XXXX XXXX, also while removing me from the primary account holder. But using my social on the account still reporting phone and accounts thats not mine. I had an XXXX at the time. This is how my bank information, emails, and things was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a letter from American XXXX XXXX XXXX XXXX XXXX XXXX in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give XXXX prior consent to any communication with me. XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give XXXX prior consent to any communication with me. 

After I disputed this alleged debt with XXXX, XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 2023-11-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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 reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, 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 is numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance : {$3200.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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:
Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
This is my 3rd complaint regarding this Capital One Account and it is starting to affect my credit. I filed a complaint over this account ending in XXXX over 30 days. Received 1 phone call from the Corporate office from a Supervisor named XXXX on XX/XX/2019 who's number is XXXX and extension is XXXX. On that day XXXX left me a message to return her call to the number above. I returned her call at least 6 times and left 6 different messages regarding this issue. I also called another Supervisor from XXXX named XXXX who's number is XXXX and extension is XXXX because she had helped me with another account ending in XXXX ( and took care of that one for me ). After not having ANY luck receiving any phone calls back I called the number XXXX on XX/XX/XXXX, XXXX & XXXX and simply waited for a new rep to come on the line. At that time I was told that he could not help me and that he would send a message to a supervisor to call me within 72 hrs. It is not XX/XX/XXXX and I still have not heard back from anyone. The charges on the account are not my charges and I was reassured that they would be disputed by a supervisor however I continue to receive notifications on my credit report that my payments are late and the amounts are recording on my credit report. If I do not hear back from someone by XX/XX/XXXX I will be calling all news channels and filing a suit with my attorney. Capital One has been unprofessional and even threatening during this entire process.

Company response to consumer: Closed with explanation