BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX have noticed a fraudulent account appearing on all three of my credit report. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$20000.00}

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 2020-01-17
Company: Credit Management Control, Inc.
State: TN
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 reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. 

Credit Management Cntrl XXXX {$480.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: VA
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 new & updated information on XXXX, XXXX, and EQUIFAX. Someone is using my identity to furnish items on my behalf. XXXX, XXXX XXXX EQUIFAX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, XXXX received it on XX/XX/22, and EQUIFAX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX EQUIFAX XXXX and XXXX XXXX XXXX, EQUIFAX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
Contacted XXXX XXXX on XXXX XX/XX/2023 and was forwarded to Chairman 's Office. 
Received e-mail from XXXX XXXX in Chairman 's Office on XXXX XX/XX/2023. 
Responded to e-mail to XXXX on XXXX XX/XX/2023. Received voicemail from XXXX on XXXX XX/XX/2023 and responded. No response to e-mail as of XXXX XX/XX/2023. 
Received and responded to a separate voicemail on XXXX XX/XX/2023 without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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'm a natural person.I 'm an human being. I have a right under 15 USC1681. XXXX is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC1681. I have a right to.privacy and i.did.not.give XXXX written permission to furnish these accts. XXXX XXXX XXXX acct # XXXX in the amount of XXXX. XXXX XXXX XXXX is the seller..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act Dept of EducationXXXX , 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: TN
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 previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Trans Union failed to provide an opt-out notice, as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. Thus, any unlawful use of my nonpublic personal information without full disclosure and consent constitutes identity theft. 

On XX/XX/23, Trans Union received my Notice of Identity Theft, affidavit, and other required personal identification information per 15 USC 1681c-2, requesting that Trans Union remove one ( 1 ) unauthorized adverse transaction from my consumer credit report. Neither Trans Union nor the company identified in the transaction have provided me with an opt-out notice allowing me to exercise my right to privacy. Trans Union failed to comply with the statute and with my requests by failing to block the reporting of unauthorized information identified by me, the consumer, no later than 4 business days after receipt of notice. 

Trans Union continues to unlawfully use my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness ( i.e. denial for credit of {$90000.00} and {$85000.00} from two separate financial institutions ) and resulted in defamation of my character and general reputation.

Despite three ( 3 ) written notices sent via certified mail, Trans Union continues to report damaging unauthorized personal and financial information on my consumer credit 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 2020-01-17
Company: EQUIFAX, 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:
The credit reporting agencies are showing two accounts on my report as though I am an authorized user. I do not know anyone that has a XXXX XXXX card or a XXXX XXXX. Also Equifax is reporting an inquiry with XXXX which I did not apply for. That was a fraudulent account and they did remove the actual account but not the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help amicus curie before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and Selene Finance, are all involved in some manner in this fraud. XXXX and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by XXXX ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after XXXX fraudulently obtained standing and summary judgement. It appeared with the change of XXXX to Selene and was created for the sole purpose of backing XXXX 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to XXXX certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that XXXX and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not XXXX should allow the courts to prevent my home from being fraudulently foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did have an account with XXXX XXXX Credit card company on 2004 last time, I went in to hard financial times and I was not able to pay I believe was {$200.00}, now around 15 years later they are trying to collect {$1400.00}. According to a website ( https : XXXX ) they can not try to collect my debt after 4 years, in the last two years they have ceased ( frozen ) my bank account three times, by getting a judgment, so my question is ; do they have the right to do this after all this time? the case number is XXXX, and the issuing county is in XXXX XXXX CA. XXXX XXXX. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXXXXXX XXXX have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/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 2022-02-24
Company: Webcollex, LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 I had submitted a letter asking for written verification of the debt CKS Financial is trying to collect. I had not received any information prior to XX/XX/2022 and have not received written verification by today XX/XX/2022. On XX/XX/2022 I started receiving numerous calls from XXXX on this date I have received 5 calls from this number with 3 being back to back calls. On XX/XX/2022 I again sent a letter requesting that contact be written and wanted verification of the debt. I have still not received verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXXXXXX XXXX XXXX XXXX late payments opened XXXX, XXXX XXXX XXXX XXXX XXXX late payments on XX/XX/XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 have inquiries on my credit report that I am unaware of and would like them to be deleted. 

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 2018-01-30
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was working with XXXX XXXX XXXX on a XXXX student loan debt. I asked if they would not contact me until after XXXX an calls still came at anytime almost everyday leaving a voicemail everyday. I spoke with a manager today day who said if I dont work worth them I will have a problem which is very threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting that you remove the following items off ofm y Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX, IN XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$50.00} XXXX XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you please remove the fraudulent accounts and information off of my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding this account in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. This account has to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Reporting on : Equifax XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 have attempted to reach out to Midland Credit Management multiple times at the phone number listed on their listings on my credit reports. I have not been able to reach anyone due to being told that the department who is handling the accounts are busy. I have been attempting to advise them that I am a victim of Identity Theft/Fraud and to notify them to remove their listings on my credit reports fro XXXX, XXXX, and XXXX. Due to not being able to reach anyone by phone. I did send documentation to their Compliance department via email and they are still reporting to my credit reports. I have removed the fraud alerts from my reports that were previously listed as they prevented me from accessing my own credit file which made it difficult to catch fraud as I had no access to my credit file and do not authorize any alerts being added but only listings to my credit file being removed by Midland Credit Management and providing proof that they have processed removal request via Eoscar and written letter on letter head uploaded to the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase sent me a letter stating that if I didn't use my card they would close it. Because of the letter, I went ahead and used the card ... And 2 months later the account was closed. Because of the account closure, my credit score dropped and will impact my ability to get a competitive rate. 

There is a clear disconnect between the claim that Chase made on the letter and the action that they took.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: AES/PHEAA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX I disputed all of my student loans on my credit report because back in XXXX  my Dean assisted me with filing my Student Loan Forgiveness package. We completed the FORGIVENESS packages in which I signed and dated. This package was self stamped with nailing instruction in which was nailed back to the sender.

The problem I have been having is that the same student loans are still showing on my credit report even after disputing them with the credit reporting agencies/companies XXXX XXXX XXXX XXXX 
My end goal is to finally have all of these student loans removed from my credit report as promised by the Student Loan Forgiveness Act. 
Thank you in advance,

Company response to consumer: Closed with explanation