BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
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:
MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-10-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, XXXX, and Equifax the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, XXXX, and Equifax is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify.

Thank you for your attention, 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 2018-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One has been emailing me account information for someone else for nearly a year now. They opened an account XX/XX/XXXX and I have been getting emails ever since then. I called them back and spoke directly to a customer service representative that told me someone with the same name and a different social security number signed up for the account. I told them they used the wrong email address and requested they open an inquiry. I thought it would end there but I keep getting emails about this persons account. 

I am sure I had more emails notifying them of their mistake ( I probably deleted some ), but currently I have 22 emails dating back to XX/XX/XXXX requesting that they stop emailing me someone else 's account information. I continue to reply or forward the emails they send to XXXX every time they email me, but they will not stop giving out someone else 's information. Below is just one email as I am sure you don't want me to attach all 22 emails. 

Also, FYSA XXXX, XXXX, XXXX or any way of spelling out XXXX with a period anywhere in it is still my email address. So there are emails received as XXXX and the ones I reply with are XXXX but it is the same domain email address for XXXX. Ask them if you don't believe me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
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 is missing that should be on the report

Complaint:
Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I have completed the on line application THREE XXXX  times to receive at least one report. One popped up on my phone for maybe 30 seconds as I was trying to print it out it disappeared from my phone screen. Great job you corrupt people. 
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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-04-30
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Collection Svc was a collection agency that I owed money for an eviction to. I was able to pay half of the money owed. This credit account passed the 7 year mark and fell off my credit last year. I had a credit alert that this creditor pulled my credit on XX/XX/21 as a hard inquiry for a new installment loan or new bank account inquiry. I did not give permission or apply for any new loans through this company and now they have all my personal information. This company has threatened me to put me in jail and to sue me again. I feel this company has been collecting on debts by harassing and illegally damaging peoples credit without the legal right to do so. They need to be stopped and be held accountable for their collection procedures. I have a copy of the credit report that was illegally pulled after it had fallen off my credit report. I have already reported this as a fraudulent inquiry with the credit bureaus. To recap : a new account inquiry for an installment loan or new bank account was pulled on my credit on XX/XX/21. When I checked my experian account it was placed from an old creditor that has fallen off my credit report after 7 years. I did not authorize or apply for this company to do this. 

The company is : Southwest Collection Svc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: MN
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 received a noticed that XXXX and experian Placed a 7 year extended fraud alert on my consumer profile with out my written or verbal request! This is a clear violation of FCRA. 
You do not have my permission to place any type of fraud alerts unless you had my written or verbal request to do so. That also includes fraud indicators as well. I have my own identity theft protection through my bank! I demand that experian and XXXX remove all fraud indicators and and alerts from my profile with in 72 hour.

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 2018-10-07
Company: ACIMA CREDIT, LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received no collection notice from a company known as ACIMA CREDIT, but they have posted a collection on my XXXX credit report. I am at least entitled under the validation process of the Fair Debt Collection Practices Act to obtain a transfer notice showing signatures with the original creditor. There is not even a statement on the XXXX post of what company the indebtedness is owed to, The timeline for deletion would fall under the original creditor based upon the 7-year rule. This collection may well be beyond the legitimate timeline to even collect upon, and under the order of the office of Attorney General in the Commonwealth of Massachusetts I am entitled a notice that the collection is no longer enforceable. In the case, the collection is illegal and all references to my information must be purged from the credit bureaus as well as deleted from the internal process of ACIMA CREDIT XXXX XXXX. I demand a full validation with signed agreements to even collect a debt under FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: HI
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 convergent ( account 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 written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX  XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}

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 2021-11-29
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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/21, and XXXX XXXX XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a call from a company called Federal Student Debt Relief phone # XXXX, claiming to be with Fed Loan Servicing. They said I qualify for 70-80 % of my debt to be relieved. I asked what information they had about me, and his reply was everything from when you applied for the loan. I then asked what all that was. He gave me my maiden name, birthday, email, and current address, didnt say whether or not he had my SSN or IEN. He also asked about my school status and I replied with, if youre with Fed Loan Servicing you would know the status of my education. I really think this is a scammer, and am worried this company may have more of my information than they let on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am not disputing that I once had a credit card with XXXX XXXX Bank. What I am requesting is a copy of the actual transfer of ownership from XXXX XXXX Bank to XXXX XXXX XXXX. Since XXXX has posted that they have purchased the debt, under Fair Debt Collection Practices Act I am well within my rights to be given 100 % validation that the debt was purchased. XXXX did not have a right to even post this collection on any of the pertinent credit bureaus without such a validation finalized. Accordingly, the collection must be removed until the debt transfer is completely validated. I am open to a settlement letter to be emailed to me at XXXX if possible, but I would still like to see a copy of the actual transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX I have unauthorized inquiries on my credit report. I have called the companies and mail request to removed these inquiries off of my credit I 've advised the credit beruae but not was done ... 
Here are the ones. 

I never applied for XXXX XXXX XXXX- i see several times on my credit report 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 2023-05-08
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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