BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: OH
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My identity has been used Ive filed a ftc report and mailed it to the credit beuras but no action has been taken this is affecting me from establishing positive credit I want to buy a home in the future please remove this fraudulent account from my credit report the name of the account is called XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I asked XXXX XXXX XXXX in XXXX for a loan online, and they told me that they would not perform a hard credit pull only a soft one, and then they did a hard credit pull that appeared on my credit report. I did not authorize the hard credit pull for them to make this inquiry. I would like their inquiry on XX/XX/XXXX  removed. Thank you.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$430.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX XXXX I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to 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 2023-04-07
Company: LEXISNEXIS
State: AR
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/2023, I initiated submitted a complaint via CFPB to LexisNexis to remove Bankruptcy from their database due unlawful practices according to the 15 usc 1681a- ( e ) and I also provided supporting documents to support my claim. LexisNexis responded back with a response to CFPB with a document attached outlining their response. However, the letter is clearly addressed in my name, BUT it was mailed to UNKNOWN ADDRESS of XXXX XXXX XXXX XXXX, XXXX WI XXXX. I have never lived at this address. All of my supporting documents that were submitted to LexisNexis have my correct address included on my Driver License. This is a violation of my privacy and confidentiality. LexisNexis also mentioned that on this response document mailed out on XX/XX/2023, addressed in my name ( XXXX XXXX ) but mailed to the Unknown address " a resolution letter outlining the results of our reinvestigation and XXXX XXXX 's statutory rights was mailed to her directly for her review ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2019-09-06
Company: General Motors Financial Company, Inc.
State: VA
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 went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'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 non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th 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 alleged fraud or extortion XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-08-18
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
Went to purchase a car. I didn't consent to running numerous of lenders. They quoted me XXXX but ended up owning over 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 2022-11-23
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:
There are accounts in my report that are inaccurate. Also, some have fraudulent history and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Bank of America is impossible to get through to, they did say they closed the account but would not give me any information. 

I do not have any Bank of America accounts and have not applied for any. 

I got a hard inquiry on my credit wise credit alert and immediately started making calls and reported fraud to credit beaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: ZIONS BANCORPORATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX. I had a balance of approximately $ XXXX. XXXX was at a promotional 0.9 % and XXXX was at 3.5 %. Payments are applied to the 0.9 % balance first before being applied to the 3.5 %. I planned to pay the loan off in full, and re draw my balance, after reaching {$0.00} so that all my new balances were at the 0.9 % balance XX/XX/XXXX I wired XXXX from my personal bank account. The title company I refinanced with was supposed to wire XXXX this day too, but instead overnighter a trust account check. 
XX/XX/XXXX Vectra received and deposited the XXXX title company check. I tried to get the check stopped and a wire sent. Vectra returned the XXXX wire that was sent XX/XX/XXXX by the title company and deposited the check, despite me asking to do the opposite. 
XX/XX/XXXX Vectra cleared the XXXX check as they knew it was " good funds. '' XX/XX/XXXX Vectra loan specialists says my account balance is {$0.00} and any money I draw will be 0.9 % and amortized over 10 years. I redraw XXXX and this is amortized properly and payment and interest rate is correct. 
XX/XX/XXXX I receive a wire from Vectra for {$120000.00}. Confused, I call the loan specialists I was talking to. I said I was going to draw that money again, so as long as it was at the 0.9 % I was ok with the payment/redraw to me. She confirmed the XXXX would be at the 0.9 % interest. 

My XX/XX/XXXX payment comes and my payment is XXXX what it should be! When asked why, Vectra said I didn't pay down my XXXX of the XXXX loan completely, so it was amortized on the XXXX owed at one point. This is even though the statement they sent me showed me having a negative balance for 3 days. Vectra then changed dates on when money was received. My statement that was mailed to me says one thing, the statement online on XX/XX/XXXX say something different, and the ledger online says something different. None of the current statements reflect my payment made on XX/XX/XXXX. On XX/XX/XXXX I get an email from Vectra rep that states false dates wires were received ( I have confirmations and dates ), and that Vectra was the one that MISTAKINGLY returned the XXXX wire that was not requested by anyone except internal errors/assumptions thinking the loan was overpaid. Vectra also stated that was the last time they would talk to me about the loan. Despite the paper trail saying something 100 % completely different from what they are telling me. They refuse to correct my payment. In the mean time, I had to pay over {$400.00} in late fees waiting their response, and paid about XXXX more in principle than I needed to due to their error. Vectra is just hoping I go away and they don't have to honor their 0.9 % offer on the correct amount I have drawn.

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 2022-07-27
Company: EQUIFAX, INC.
State: FL
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Requesting XXXX to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXX.Reqesting TransUnion to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXX have been XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, XXXX, TransUnion and XXXX is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customers.XXXX  XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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