BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I looked at my credit report on XX/XX/2022 and uncovered an inquiry on my credit report that I did not authorize done on XX/XX/2022. I called Transunion and disputed inquiry with them. I advised them that I was not able to get a hold of anyone at the company. The rep I spoke with at Transunion name was XXXX and he advised me that I needed to send a dispute letter to them stating that I did not authorize the inquiry and once they receive it then they would delete inquiry. I certified mail the letter to Transunion on XX/XX/2022 based on instructions given to me by Transunion. The company that did the inquiry XXXX XXXX XXXX XXXX and I have never applied for any credit with them nor have vehicle with them. I called them back on XX/XX/2022 and was able to speak to XXXX who looked up my information and stated show could not find my information in their system and that they are unable to send anything to Transunion to remove inquiry since they are not able to locate my information in their system. I called Transunion back on XX/XX/2022 and spoke to XXXX and he advised me that they did receive my dispute letter and that they needed to transfer me to a manager. I was transferred and spoke to XXXX and was advised that they could not remove inquiry off credit report without a letter from creditor who ran the inquiry. I advised XXXX that I spoke to the company that ran my credit report does not have me in the system and they are unable to write a letter to have inquiry removed. This has been very frustrating and Transunion continues to lie and change information on what they provide consumers. While I was also on the phone with XXXX I went over with about another inquiry that was done on XX/XX/2022 from XXXX XXXX XXXX XXXX that I also sent a letter about the same day I sent regarding XXXX XXXX XXXX XXXX and he gave me the same information. They continue to give me the run around.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SEC. 4021. CREDIT PROTECTION DURING COVID19. 
Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company called XXXX XXXX XXXX called me on XX/XX/2023 XX/XX/2023 XX/XX/2023, XX/XX/2023, XX/XX/2023 ... about a auto loan, saying i owe $ XXXX {$63.00} XXXX on a truck i had years ago, they had my social security number, but didn't have my address, they was saying a address i was at 8 years ago, they told me i should had reported my updated address to the credit bureaus, i told them i did in my current address was on my credit report, i try to tell them i file bankruptcy that was discharge 10 years ago, a ( chapter XXXX bankruptcy which cleared me of all my debts, the truck debt was XXXX at the time ) and the auto that they talking about was in my bankruptcy documents it clearly state i do not owe no one, they threatened me, Told me that I will wake up with all my assets frozen, told me after they done with sueing me I will end up killing myself, they speaking so fast i couldn't even get a word out, they was yelling at me, in they told me to borrow {$2000.00} from a family or friend then make a payment plan with them by 7 days are i will lose my bank account, everything I owe ... I called my bankruptcy attorney he also called them explain that what they claiming i owe i dont owe and its in my bankruptcy documents. He was sent to a voice mail, the number they keep calling from is ( XXXX ) XXXX can someone find out if these people are legit cause they are not accepting no documents or sending me no documentation, but telling me I been sue and it's to late and I have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: W&A Intermediate Co., LLC
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:
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX Account Number : XXXX WAKEFIELD Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TD BANK US HOLDING COMPANY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX, TD AUTO FIN  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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.

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 2022-06-13
Company: OLD NATIONAL BANCORP
State: CO
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:
XXXX XXXX XXXX  transferred my mortgage to Old National despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, Old National is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

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 2023-05-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$29000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
XXXX XXXX XXXX Acct # 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 seven 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 if 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 explanation
Consumer complaint received 2022-06-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 to the fair credit reporting act Navy Federal account number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

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

I have also discussed with the company my hardships due to covid-19 and we agreed on a plan and Navy Federal still reported my information improperly without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 my eight 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 XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX. XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid XXXX XXXX a debt collector for CITIBANK a settlement amount of XXXX to settle the debt in full. I then sent a dispute through the credit bureaus XXXX and XXXX, I attached the receipt from XXXX confirming my payment and settlement of debt. I then received a notification from XXXX that CITIBANK has verified the information as being accurate, meaning that the 219 balance on my report stood, with no change in balance resulting from the settlement that was done on XX/XX/XXXX. CITIBANK refuses to update the correct amount, I've called several times, an either get pointed in the wrong direction or hung up on. Along with the receipt I've attached my statement from XXXX XXXX showing on XX/XX/XXXX a payment of 100.00 dollars was made.

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 2023-10-06
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 I was enrolled into the short - term payment plan with US Bank. This payment plan was scheduled for XXXX months and authorized direct draft payments of {$82.00} from my bank account. The first direct draft payment was auto drafted on XX/XX/XXXX. On XX/XX/XXXX I decided to pay off the entire balance in full. Nothing on the enrollment confirmation mailed to me states that derogatory information would be reported to my credit report during enrollment in the short term payment plan. However, US Bank has reported to the major credit bureaus that I was late in XXXX and XXXX of this year. This is inaccurate and illegal because the short term payment plan does not state anywhere that derogatory information will be reported to the credit bureaus while payments are being made. This activity does not align with the FCRA. The account was not delinquent XX/XX/2023 XXXX XX/XX/2023.

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 2023-05-01
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX & XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-05
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am aware that I am a victim of identity theft, I have reviewed my consumer report through Experian and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2018-08-28
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I am writing to complain about the way my student loan debt has been handled. In or about 2010 I had about {$100000.00} of student loan debt because of finishing XXXX XXXX or I obtain my XXXX XXXX. I moved out of the country and because of my financial situation let y student loans lapSe for a short period of time and during this time whoever was in charge of these loans double the amount that I owed from XXXX to XXXX roughly these figures are not exactly precise but in the right neighborhood. So I contacted the lenders the federal financial loan people XXXX XXXX and asked repeatedly for them to investigate why this happened. There was never any satisfactory answer as to why this happened or a resolution of the problem. Each year even though I have since handled my loan situation by signing onto the new income-based repayment plan there has still been about {$10000.00} added and it each year because of interest even though Im not required to pay until I find a job. I have repeatedly requested from the XXXX XXXX XXXX XXXX XXXX that they investigate this and reduce the figure that I owe them to what it really should be and either receive no response or a response that says we can do nothing about about the unfairness of adding so much extra money to my balance when in reality it really ought to be down around {$100000.00} figure which is where I borrowed in the first place to graduate from college

Company response to consumer: Closed with explanation