BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX   XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2021-04-01
Company: EQUIFAX, INC.
State: NJ
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 have filed several disputes with Equifax for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. XXXX XXXX account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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:
There is a line of credit being reported by Experian for XXXX XXXX XXXX for the amount of {$49.00}. Now this is an error because XXXX  XXXX XXXX provided an statement in which it shows a XXXX balance and I have forwarded this letter to Experian Twice and they claimed they have verified it with the source? how can this be when XXXX gave me the letter themselves stating XXXX Balance.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In review of my XXXX credit report, in XX/XX/XXXX, I noticed that there was a reporting by Capital One Bank USA. They reported the account as a " Charged-off '' on all three credit reporting agencies. 

I sent Capital One a letter dated XX/XX/XXXX requesting validation of the {$830.00} they that are reporting.I asked them to provide me with any information on the alleged debt, like first date of delinquency, a contract with my signature and any statements that could validate that I owed this debt. 

Capital One responded on XX/XX/XXXX, asking me to provide them with information regarding this dispute. If they truly read my letter, I provided them with all the information that I had accessible to me. I responded back to Capital One with the information they requested that I complete in XX/XX/XXXX. 

In return, I received XXXX ( XXXX ) separate letters from Capital One all dated XX/XX/XXXX. 
XXXXThe first letter stated that the application was taken over the phone or the internet, and that they didn't have a paper copy of the application to send to me. 
XXXX.The second letter, they validated that they received the application via the internet on XX/XX/XXXX. They also stated that they were not able to provide me with any statements to reflect charges that were made. 
XXXX. The third letter only stated tha they would update the account with all three credit bureaus. 

Not XXXX of their letters were able to authenticate/identify that it was me, XXXX XXXX XXXX who open this line of credit/credit card that is now being reported on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
power to sale is void 736.11a, new lawsuit filed 10 day automatic stay sale during this time filed on XX/XX/XXXX sold XX/XX/XXXX XXXX XXXX XXXX notice giving to him before sale and giving to company and attorney for pennymac also 4 year run after cout case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed a copy of my XXXX report and noticed that Carter Young for {$220.00}, is still associated on my credit report. Attached is proof that this account was found invalid, and was removed from my XXXX credit report. I have contacted XXXX, to advise them to follow suit and to remove Carter Young {$220.00} off my credit report, which still shows as a open collection on my account. This must be removed from my credit report to show my true credit history, as tis item should not be reflecting on my credit report. 

He is a copy of the Bureaus name, findings, and proof of this removal of Carter Young {$220.00} being removed from my XXXX credit report. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Old information reappears or never goes away

Complaint:
I've disputed a few account with transunion, and ice called transunion XXXX the phone and was greeted by some rude staff that barely speak a lick of XXXX, nor do they want to process disputes, nor investigate properly, to resolve my issue, because they keep transferring me all the way to XXXX, Then they transfer to social accounts sections, instead of handling my dispute on the spot, Transunion has also re aged an old child support account, that never seems to go away, knowing that this account is past statute of limitations to XXXX reported, because of the date of first delinquency is XX/XX/XXXX, they tampered with the Date of First Delinquencies on my credit, eliminating XXXX yrs worth of delinquent information, and replacing it with date of first delinquencies from XXXX, Transunion wilfully violated the Fair credit reporting act by helping the creditor to delete information, evidence is attached, then transunion is reporting a judgement they closed a d deleted after I disputed the information, and provided proof it was a judgment, transunion purpose re inserts the judgment back on my credit report, when I gave them the judgement paperwork the second 7th time, showing them it is a judgement they sit up here and lie on the phone, saying XXXX not a judgment, but when I apply for credit, and get denied, the company that denied me sends me a letter stating it is because of a judgment from XXXX XXXX XXXX XXXX on my credit report, transunion is a deceptive company, and transunion has nothing but a bunch of con artists working up there,. I have hired an attorney to sue them with XXXX  good amount of evidence against transunion violating the fair credit reporting act laws, they have 30 days to do a proper, thorough investigation tht abides by XXXX FCRA, and Consumer Protection Plan, and remove these 2 accounts from my credit or suffer consequences in court. 

XXXX XXXX XXXX XXXX - Delete from my credit XXXX XXXX child support- delete from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank will not let its consumers link to finance apps to borrow money. These apps include XXXX, XXXX, XXXX, XXXX, and others. As this is a bad time in the world and these legitimate services are offering small cash advances I should be allowed to participate. Yes, there are risks involved in using third party apps linking to bank accounts, but that should be my risk to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Urgent issue - 2 month process ... Made up HOA fees, and other supposed liabilities. Given incorrect answers and suggestions based on false information -- ex., no you can not provide a market analysis or prove that you have a property manager to verify that you plan to rent out your current home and buy a new home BECAUSE the VA says so, then its because NFCU says so, and then its because my superiors said so. The VA allows for the things above and a three way call was conducted to prove that. No accountability after being proven wrong, just deflection and new changes to debt that were made up.Then, it's you can turn in your car and provide a signed lease and that will fix the exaggerated debt that they added/made up. Fabricated debt was confirmed by an employee on XX/XX/23 but was suspected a few weeks before. The request for the written breakdown was finally submitted after multiple requests and it seemingly intentionally omitted the falsified numbers that were concocted. False debt numbers inputted into our loan application on multiple occasions to make sure our debt remained high even after paying of the nine credit cards which improved our credit score. Would like assistance for someone to review our account with me. An updated loan estimate has not been provided since XX/XX/XXXX. Dishonest responses about the reason why potential rental income could not be used and no accountability when proven that the VA allows it, based on chapter 4 in the pamphlet and the correspondence we had with the VA on a three way call. Excessive tasks and constantly changing DTI percentages even when debt is paid down. Excessive email correspondences to hide and cover up the errors. Hang ups and no return calls from the next person in the chain of command. Constant changes in the potential closing dates by finding out that our information was never sent to underwriting. Incorrectly documenting that we are frustrated or any other emotion about the process. It has been two months since we reached out to start the process and our rate lock is expiring this week. Time is of the essence. A constant request to submit a signed lease or turn in our leased car although the numbers aren't adding up to merit such actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have multiple charges for  XXXX  declining fees when I have n't used this card in months!!!! I want t dispute the charges and decline whoever is charging on my card.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: PA
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 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 2023-06-20
Company: Experian Information Solutions Inc.
State: MI
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, The List of accounts has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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 2019-12-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed an account reported by XXXX ( XXXX XXXX and XXXX XXXX ). The account was reported as a charge-off with an opened date of XX/XX/XXXX, however the debt ( account ) was accrued from an advance payment received for a personally procured move in XXXX. The account opened date reported to Experian and appearing on my credit report is XX/XX/XXXX. The date the account was actually opened is XXXX. My dispute resulted in a " remains '' status, despite the date being inaccurate. The attached XXXX form shows that I exited XXXX XXXX in XXXX, and could not have accrued a debt past that 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 explanation