BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: MO
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 filed my Complaints # XXXX, XXXX, XXXX but when I checked it, I discovered that you have closed my complaints. Again, this is my 5th attempt that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. I sent letters to Bureaus on XX/XX/XXXX to remove these items but no response until this day. Please block the reporting of fraudulent items in my credit file that resulted from the alleged identity theft Per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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 sent several disputes via mail to XXXX, XXXX  and Transunion and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days.

Dept of Education-XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX Loans- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX XXXX XXXX XXXXXXXX XXXX Never paid late-Please adjust XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas 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 2023-11-02
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:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX CA Inquired on XX/XX/2023 XXXX XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX  XXXX Inquired on XX/XX/2023 Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2022-10-22
Company: EQUIFAX, 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 XXXX  accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX & XXXX XXXX # XXXX has violated my XXXXights.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. States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC 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 non-monetary relief
Consumer complaint received 2018-04-13
Company: Bread Financial Holdings, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX hilds the debt on my credit cards. I have been diagnosed with XXXX XXXX and asked if there was a way to consolidate these bills so my credit was not ruined. It has been months and I am very sick. This company continues harassing me at work even after repeated verbal communications to cease. I have been yelled at, verbally attacked iver these bills. Had they helped in the beginning I would not have accrued the interest that has run these bills to a level I am in no position to pay. I firmly believe this hardship was done on purpose as poor business practices and should not be allowed to ruin me financially when I attempted to wirk with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: SUN LOAN COMPANY INC.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I went to a local Sun Loans branch to pay of a charged off account. The amount I expected to pay was {$290.00} plus a late fee of {$10.00}. The Manager and assistant manager of the location informed me that the late fee was {$60.00}. I had actually defaulted on the first payment due to loss of employment. I explained to the XXXX Sun loans reps that there should only be XXXX late fee as once the account is late I should n't be charged additional late fees. I was then belittled by the store manager and told that I would have to pay the late fees totaling {$60.00} which is XXXX late fees instead of the XXXX late fee. I asked the manager to show me the signed contract stating that I was responsible for paying cumulative late fees. She then produced the contract that according to how it was worded I should only be charged XXXX late fee. To prevent further attempts of belittlement by the manager at my expense, I then payed the amount they were demanding and informed them I would be filing a formal complaint concerning their business practices. The paid in full receipt list the {$60.00} as " Plus other charges ''. It does not describe what these charges are for. I work hard and honest for my money and do not appreciate a business not only attempting to belittle me but also overcharge me by using unfair business practices. Thank you for your time and help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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. 
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 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 explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed my Complaints # XXXX, XXXX, XXXX but when I checked it, I discovered that you have closed my complaints. Again, this is my 5th attempt that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. I sent letters to Bureaus on XX/XX/XXXX to remove these items but no response until this day. Please block the reporting of fraudulent items in my credit file that resulted from the alleged identity theft Per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
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 2021-06-10
Company: CITIBANK, N.A.
State: NY
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:
While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-08-08
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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 XXXXXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX {$760.00}

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 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-07-02
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: Was not notified of investigation status or results

Complaint:
Today is XX/XX/2021, and I have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / TransUnion - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi, this is my XXXX attempt at resolving this issue. I mailed in a letter to dispute some fraudulent inquiries on my credit report. XXXX XXXX ( XX/XX/2022 ). XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX finance ( XX/XX/2022 ). XXXX auto ( XX/XX/2022 ). All these inquiries were made without my consent by a unknown person or business. Please Remove.

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 2021-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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 been sending dispute letters addressed to the Creit Bureaus for a long time already and I feel that the Credit Bureasu became negligent of their duty and never pai attention to my disputes despite all my extended efforts. The last letter I sent to the Credit Bureaus was on XX/XX/XXXX. Right now, I am submitting this complaint in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and there are errors that are reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXXXXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX ; and XXXX CO XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX. I would like the Credit Bureaus to please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain the Bureuaus ' help in attempting to resolve the current issue.

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 2021-04-14
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CASE NUMBER : : XXXX SORRY I LIVE IN INDIANA FOR LESS THAN A YEAR, I DONT EVEN HAVE A INDIANA ID YET, STILL MY OLD ILLINOIS FROM LAST YEAR AND 5 year ago MASSACHUSETTS. Why would I do unemployment here and I never worked a job here? I HAVE XXXX XXXX  IN TWO OTHER STATES WHERE I HAVE PREVIOUSLY LIVED. FOR THE RECORDS ITS PUA UNEMPLOYMENT WHICH MEAN XXXX ASSISTANCES WHICH I HAVE ALL MY ARTICLE OF CORPORATION AND TAXS FORMS INCLUDING 1099 PLUS BOTH XXXX  ON XXXX. SO THATS FRAUD TO GET UNEMPLOYMENT FROM INDIANA AND I GOT CURRENTLY XXXX XXXX IN TWO OTHER STATES. US BANK HAS NEVER ASK FOR ANY PROOF NOR INFORMATION OF MY XXXX. THE MAILING ADDRESS IS CLEARLY INDIANA BECAUSE I LIVE HERE CURRENTLY. SO AT THIS POINT I DONT NEED TO CONTACT INDIANA IF I DO I NEED TO TELL HOW US BANK IS TELLING ME TO DO FRAUD. BOTH APPLICATIONS ARE STATED DO YOU HAVE A CLAIM IN OTHER STATES? ANSWER IS YES AND STILL GOT APPROVED BECAUSE I SHOWED PROOF. ITS MY EIN AND MY SOCIAL SECURITY SO TRUST ME I WOULDNT DARE BE DOING SOMETHING THESE STATE WOULDNT KNOW. PUA FOR XXXX XXXX SORRY! NOW WHAT BANK DO I NEED TO CONTACT TO CLAIM MY MONEY FOR XXXX? I WOULD CONTACT THEM ASAP!

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