BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to Transunion advising of my dispute and requested validation of a closed XXXX collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). Transunion simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against Transunion for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from XXXX, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted XXXX on XX/XX/XXXX and verbally verified they had in fact received my dispute. If Transunion is truthful in that they were in fact sending the disputes to XXXX since XX/XX/XXXX, XXXX is in violation of the FCRA. If XXXX ONLY received the request for validation after my CFPB complaint, Transunion has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.

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 2018-05-21
Company: Experian Information Solutions 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:
XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

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 2023-09-22
Company: EQUIFAX, 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenaci ; ous rebelliousness. XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX SXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}.

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 2021-07-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My company XXXX XXXX XXXX had a judgement against it XX/XX/2018. I have paid the plaintiff and he signed a release of judgment that was filed with the court. I reached out to XXXX XXXX XXXX and the credit bureaus to update their reporting according to the judgment being fulfilled and sent them copies that were stamped by the judge. They have failed to update their information against XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe i am victim of identity theft I have no knowledge of this account it was open fraudulently without my consent. I would like this to be removed it is impacting my finances and does not belong to me.

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 2022-09-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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:
XXXX Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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:
XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.

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 2023-09-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Best Buy owes me a total of {$4200.00}. Ive been trying to get my refund since XXXX and have not had any help from the representatives. They claim they sent a refund to my checking account, when in fact they actually withdrew the money. They requested copies of my bank statements as proof that I did not receive the funds. I have provided to them but they still wont issue my refund.

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 2018-10-15
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted two previous complaints including the letter showing that Rash and Curtis agreed to delete/remove this listing with all credit bureaus. The first and second complaint said it takes 90 days. I did a pull of my XXXX credit report and disputed this directly with them and that date was XX/XX/XXXX, past the 90 days stated by Rash and Curtis in the last complaint. 

XXXX have come back and validated that Rash and Curtis had not only reported it, but confirmed it to be correct, despite agreeing in a documented letter that it was to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought concert tickets on XXXX on XX/XX/18 for {$150.00}. The seller 's name was XXXX or XXXX XXXX, XXXX, number ( XXXX ) XXXX. He sent me a picture of himself with a drivers license and screen shots of the tickets. I sent the money through XXXX on my Wells Fargo account, only to realize it was a scam. His XXXX ad was already taken down by this time. I contacted Wells Fargo, who told me that that the money had already been transferred but that they would look into 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 2023-09-06
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Long time customer of XXXX XXXX held several policies over 10 years then they up my auto premium by nearly 3000 dollars new drivers added but no violations we could not justify the jump when working with them in late XXXX and XXXX... .a last ditch effort for new coverage was made and we regretfully moved from XXXX XXXX to another insurance company for the same coverages we saved over XXXX dollars. alot of money in todays times to cover household drivers. So we switched. several weeks go by and XXXX XXXX sends a bill for XXXX dollars. They could not justify why this money was needed as we had paid all coverages for the year. They ultimately put us into collection to Credit Collection Services in XXXX MA. But they set up 2 collections so we were receiving misleading info. We get a collection notice for XXXX... .then we'd get another one from XXXX. We couldn't determine if they adjusted the debt or XXXX made a correction. So the communication we would receive was misleading. The XXXX dollars i was fretting as it was nuisance debt and would not get reported to effect my credit. We ultimately paid the XXXX for what ever reason but they still reported the debt to the credit rating agencies and have destroyed my credit. My score dropped nearly 50 points a crushing blow with kids in college and knowing they need student loans. so now we'll have to pay more in interest on my kids loans for the next 20 years all because of XXXX dollars of debt that was paid just as it was being reported. So the pain of the experience is why did my insurance jump more than XXXX dollars where i was a long time customer... i went shopping for the same coverage and saved nearly half of XXXX and probably could have at other insurance companies as well but not XXXX. They they send me to collections for XXXX ... .open 2 collections one for XXXX and the other XXXX dollars at the same collection firm... .if liberty cant get the debt straight in one collection then they should use 2 different collections agencies... but i was getting mailings showing different amounts at different times ... ... ultimately the debt was paid and i still got screwed. and now my kids will as well ... ..i have contacted the credit agencies to see if it can be corrected but it never should have so my XXXX score i took pride in is now below XXXX and probably will be for months as they never give back the total points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submtiting this CFPB complaint to follow up the previous complaint I submitted addressed to the Credit reporting Agencies regarding the removal of tehe fraudulent accounts being reported on my Credit report. I have read that under the FCRA section 605b, The Credit reporting Agencies are requried to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX I sent dispute letters to each Credit Bureau requesting tht they remove the disputed accounts which I belive to be incurred due to identity theft. I am submitting this CFPB complaint under the provisions of the FCRA section 605b and I am looking forward for the removal of the disputed fraudulent items completely from my Credit Report. I need the following accounts be removed as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date OpenedXX/XX/2018 XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$4600.00} Date Opened : XX/XX/XXXX. If the Credit Bureaus believe that the disputed account belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature.

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 2022-09-06
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:
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 XXXX XXXX XXXXXXXX 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. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 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 2022-09-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i made a transaction via XXXX for {$230.00} and on XX/XX/XXXX i made another transaction via XXXX which is a XXXX company for {$290.00} for shoes from the company XXXX XXXX. 

The company is now bankrupt and in federal court for fraud. XXXX and my bank ( Chime/XXXX ) have both denied and closed my cases and see no wrong doing. I have also filled out information with the FBI which is actively investing the company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
see attached Transunion was notified XX/XX/2022 of account ( XXXX ) resulting from identity theft and have failed to block account 4 days after 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 explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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 a human being & i have my rights which i have rights unde

r 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I DEMAND the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts Account Name XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX Account Name XXXX  Account # xxxxxxxxxxxx XXXX Account Name XXXX Account # xxxxxxxxxxxx XXXX Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX Account Name XXXXXXXX XXXX Account # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon checking my credit report, I noticed the following accounts being listed that were not open by me. XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) please delete the following accounts as they were open fraudulently.

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