BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AR
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-09
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE

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 2023-03-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, a refund of {$70.00} was posted to my account. However, my account balance does reflect the reflect the reversible adjustment in the amount of {$70.00}. The reversible funds should be {$70.00} not {$70.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Card charges unmade by me and was charged for items that I did not buy. Every time I would make a payment on my credit card they would take off those payments for fraudulent items. Keeping my credit card at full capacity. I went into the bank and told them I need a different credit card, I was ordered the exact same card numbers. I decided to order a new card online and not activated it, I was continually being harassed to activate my card. I did not. My new card was activated without my consent. 
I would never get my rewards on my account. I would see my rewards grow up to XXXX or XXXX and then it would disappear bringing it down to XXXX XXXX XXXX XXXX 
I made a complaint to XXXX Police department in XXXX of XXXX. I gave them screenshots of the activity to prove my case. 
On the XXXX of XX/XX/2022, I was contacted by a Wells Fargo employee and they wanted to verify me and my complaint they asked me for my mother 's maiden name, I refused.

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 2022-03-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Security Credit Services, LLC
State: LA
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 received a notification through my XXXX XXXX credit monitoring that a new account was added to my credit profile on XX/XX/2019 by Security Credit Services for the amount of {$1200.00}. According to my credit alert, this account was opened on XX/XX/2019. I have been diligently working for the last 5 years to repair my credit and this account has dropped my score almost 50 points. I have not received any form of communication about this debt, what so ever! There is no identifying information about the source of this account ; aside from the fact that I haven't opened any new accounts in OVER 5 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MI
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights. 

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 2022-02-05
Company: ERC
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX  Past Due {$100.00} Pay Status XXXX  This just showed on credit report XXXX. Have not had att acount for 7 years, and do not have an active account or past due amount. This past due amount and account status is not correct, and requesting to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I fell behind in payments due to covid-19. I thought there is a law protecting consumers XXXX XXXX. XXXX XXXX. 
I told the guy it was because of the covid-19 and he told don't worry about it

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 2023-10-09
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX opened fraudulently on XX/XX/2016 balance of {$320.00}

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 explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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'm in the process of purchasing a car and I can not because this fraudulent information is still on my credit. I'm submitting an Identity theft report along with evidence my identity was compromised.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENNTITY THEFT, AND I NEED THESE ITEMS REMOVED FROM MY CONSUMER REPORT. THIS IS STOPPING ME FROM GETTING A HOME, THESE ITEMS WAS NOT OPENED BUT ME AND NEED TO BE REMOVED TODAY

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 2022-12-23
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XX/XX/XXXX ( 11 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2023-04-25
Company: CARD Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a account with Card.com that gives you checking account through XXXX XXXX XXXX. On XX/XX/2021 I received my stimulus {$1800.00} then again {$1400.00} on XX/XX/2021. I used my card for purchases etc. Then I get message that my card was closed for suspicious activity. I then contacted Card.com about my balance {$1300.00}. They state " I need to send them copy of my drivers license, social security card, piece of mail to verify address, and letter of recall from IRS. So I then write IRS telling them what is needed. I get all documents and send to Card.com ''. I call them two weeks later after mailing they said they didn't get them to upload them on verify @ card.com so I did. I call two weeks later they said it was pending. I told them " Your terms and agreements state that if Card.com closes account a check will be mailed within 7-14 business days and Card.com closed the account without my permission so Card.com needs to honor their terms. The lady hung up on me. I call back they tell me to fax the documents XXXX so I did this. I have even requested a arbitration under their agreement without response. I again, again, and again have mailed documents with threatening of class action law suit. I have read so many complaint and reviews that this company closes accounts and keeps the balance in the account. I have emailed, mailed, and faxed documents they requested without any acknowledgement!!! The account number is XXXX the routing number is XXXX the card number is XXXX XXXX XXXX XXXX. There is got to be someone who can help me get my money it has been 2 years dealing with this company with no closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The credit company equifax deleted everything off my credit file. Can you please make sure they put my information back on credit report. I need to be compensated for the inconvenience. They cause me to lose XXXX points off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: National Management Recovery Corp. (NMRC)
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2020 XXXX XXXX contacted my family through a voice mail stating that someone was going to locate me and present me with a claim and I had been notified. I never received any voicemail from anyone I called the phone my family member gave me and was directed to XXXX XXXX. 
They asked if a " locator '' had found me yet and I said no, she said that is good news I can still help. If they had found me they could not help me. 
They proceeded to tell me all this information they have about me and that I needed to make an immediate payment to stop the locator. 
I was terrified so I paid {$180.00}. and set up a payment arrangement without seeing any documents. The woman XXXX XXXX at XXXX XXXX told me I could only see documents IF the locator had given them to me. 

I received a payment arrangement letter from a company called XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ... I XXXX  this address and no such place existed at this location. I did call a XXXX XXXX that showed it was at the address and the man I spoke to said his XXXX  XXXX is at that address and he remembers that company having a mailbox 2 to 3 yrs ago but has not seen anyone since. 

I intend to call and cancel this payment arrangement and ask for my money back Phone numbers I have for this company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written all three bureaus in reference to my credit. In months my credit score has drastically dropped. I recognized I have had credit issues however, the amount of accounts reflected on my credit report were far greater than the negative. Instead of receiving a solution to my issue my email is bombarded with offers from the credit bureau to purchase their products or to open a credit card. How does this solve my problem or correct my credit score. How can the reporting agency be non bias if they are constantly trying to sell me something. As I previously stated I know I have credit issues and I am resolving and addressing each issue, however, I have paid off far more accounts and in good standing than negative. I do understand there is more in play such as, credit inquires and how high the balances are as well. Please help!!!

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 2022-12-23
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-02-09
Company: EQUIFAX, INC.
State: UT
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:
I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/21 and XXXX. XX/XX/21 ) - IGNORED/NO RESPONSE. The XXXX letter involved account showing multiple inconsistencies. XXXX letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! XXXX letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... XXXX have now taken it upon themselves to change the status of this account from charged off to open!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Disputed an inaccurate ( fraudulent ) account showing on my credit report. 
XXXX XXXX XXXX is an account that does not belong to me. 
Submitted dispute to experian and it stated it was removed. 
This account is not mine, because I have not had XXXX  services. This account states it was opened XX/XX/2019. 
It is still being reported by Transunion and 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