BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRUIST FINANCIAL CORPORATION
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 lost my wallet a year ago and now someone opened a truist account in my name

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 2023-03-02
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a XXXX account in my name illegally. Someone stole my information and made an account in my name Illegally. I need this account removed from my credit as soon as possible, it is my right by law. I've been trying to remove this account from my credit for months. This account is affecting my credit. Please report this account and remove this illegally made account from my credit file. It is identity theft. Creditor : XXXX XXXX. This was illegally reported without being properly verified. This is not my account. Please remove because I am at the point where I would like to handle this legally. It ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: SUNRISE CREDIT SERVICES, INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of alleged debt, nor therefore any such debt, in fact therefore exists.

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 2019-04-16
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I had an account with XXXX XXXX back in XX/XX/XXXX. XXXX was the creditor for their credit card at the time. My limit was only XXXX. XXXX charged me some promotional financing Charges that I did not agree to and during the course of trying to fix it XXXX went bankrupt and XXXX XXXX took over.

XXXX XXXX turned the matter over to the Bureaus. The Bureaus turned it over to the XXXX XXXX XXXX XXXX XXXX XXXX. They went to court and got a judgement against me in XX/XX/XXXX. I didnt know of the court date. They are charging me 10 % on the dollar saying its the law. I have been making steady payments since XX/XX/XXXX. I offered to settle in XX/XX/XXXX for {$1500.00}. The countered with {$2100.00}. I could not pay that amount so I resumed my regular payments.

I called today, XX/XX/XXXX at XXXX to get my new payoff balance. I spoke with a XXXX XXXX who said my balance is {$3200.00}. This is criminal to me. I have paid already paid {$1700.00}. How can a {$2500.00} credit card bill now be almost {$5000.00} and rising. I understand fees and all but {$2000.00} in fees is not fair.

I will pay what I owe but the interest is unfair and I like to file a complaint. What can I do? I have attached some documentation that I have. I have requested a copy of the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Shellpoint Partners, 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and Shell Point. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates has a collection against me claiming that they purchased an old debt from XXXX XXXX. This is a complete scam as the debt was so old it was no longer posted on my personal credit bureaus. So now we have Portfolio Recovery Associates claiming that they purchased a debt originally written off and settled upon in 2008. As I stated, the account was so old it is no longer posted on any of my credit bureaus. Portfolio Recovery Associates happens to be running a scam, filing on my credit reports that they purchased a 10-year old debt. I request full documentation of ownership in the following criteria : 1 ) The payment history from XXXX since the account procurement. 
2 ) A copy of the debt pooling agreement XXXX pledged the debt asset to, and the terms of transfer back to XXXX once the account went into a charge off status. 
3 ) The timeline when the debt was either settled or permanently written off.

4 ) A true copy of the transfer of ownership to PRA if it ever existed.

Upon the proof that any one of these criteria 's can not be ascertained, I need written validation that my file information has been purged, and that PRA has permanently eliminated the negative trade line from all credit bureaus. 

This type of debt purchase scams has to end on a national level. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a phone call from a phone scammer saying I owed debt to a company Ive never talked to. They knew my name as well. XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY IDENTITY WAS STOLEN WHEN MY WALLET WAS TAKEN. SOMEONE RECEIVED A LOAN IN MY NAME WITHOUT MY KNOWLEDGE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a medical collection letter for {$520.00} for a bill that is not mine. The collection company name is Medical Business Consultants and the charges are for XXXX XXXX XXXX XXXX. where I have never been a patient. I will not call the number on the letter because I believe this to be a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 two separate transfers were made from my savings account into a closed CD without my permission or knowledge. The CD account where the funds were transferred to matured in XXXX 2020. I noticed the two transfers from my monthly statement and immediately contacted Bank of America. The representative I spoke to stated the funds were transferred to the closed/matured CD account and could not locate the funds. After multiple visits in person at a local Bank of America branch as well as numerous hours on the phone, they have not refunded the money stolen from my bank account. Attached is an internal email sent from a Bank of America relationship manager to other Bank of America employees asking for help on the matter. 

The two transfer amounts : {$1500.00} {$1300.00} Claim numbers they gave me : Claim # XXXX Claim # 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 monetary relief
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 and account was opened online in my name at Frost bank. I received a call on XX/XX/2023 from XXXX XXXX who works a Frost Bank notifying me that an account was opened in my name. I let her know that I did not open the account and I have never opened an account at Frost Bank. She immediately closed the account and reported it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please esculate!!!!!!! 

Lender : Navient Student Loan : # XXXX Effort : Contacted Navient by letter, email and phone numerous times from XX/XX/2019 to today ( XX/XX/2019 ) - No results. Issue not fixed. I get the run around!!! 

Loan Balance : XXXX ( XXXX ) Request : Close All Navient Accounts and report to credit bureaus as closed. Send official letter, email ( XXXX ) or letter stating accounts are closed by Navient. 

Issue : Navient will not close the three parent student loans accounts, which is reported to the credit agencies ( e.g., XXXX ) as open. Navient said on their end, the account is expired, but not closed. Credit Report only has Open or Closed, not expired. Doesn't make sense. Navient also says, Department of Education is the owner and they will have to close the account. I talk to Department of Education and they say Navient ( lender ) has to close the account. Pointing fingers, but I am the only one suffering and not getting this issue fixed. 

I need help, please fix!!!! Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My consumer rights have been violated. I am displeased and feel unsafe. 

To whom it may concern, Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX, never gave TRANS UNION any written consent to report anything on my consumer report, no consent is identity Theft. 
Under 15 US Code 1681 ( a ) Accuracy and fairness ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers To assume is to have no proof. The assumption your company has made has caused me stress in my life as the consumer reports created has caused me to miss opportunities to gain assets, products, and services.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TRANS UNION has violated my privacy by assuming this role and creating credit reporting that many companies have use to verify my credit worthiness. As a consumer and a creditor this is unfair and a violation of my consumer rights. These negative items on my consumer report are defamation of my character. 

Concerning the accounts listed below as a consumer I am demanding a deletion of the following accounts. 
1. ) Account Name : XXXX XXXX XXXX ACCOUNT NUMBER # XXXX 2. ) ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX 3. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. ) Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. ) Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/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 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX my wallet was stolen in the XXXX airport before heading on a vacation. I later found out someone had gone to withdraw all of the money in my checking account and also max out my credit cards. I bank with Capital One and they have done a horrible job at investigating the situation and allowing me to get my money back. They determined it was theft, but I still havent had access to my money and its been a month. I have had no access to ANY of my accounts and have had to resort to borrowing money from friends and family so that I would be able to pay rent and buy food. They finally gave me access to just one of my accounts and allowed me to transfer money to my girlfriend, but its been three weeks and she still has not received the money transfer. Capital One claims its in transit, and have given us MANY different times of arrival for the moneybut it still hasnt shown up in her account despite them having the correct bank, checking, and routing number. AT NO POINT have they allowed me to get a temporary card. To me this is unheard of, as I know many people who get temporary cards when their money is stolen. I have been working and havent even had access to any of my pay checks because they havent given me access to my accounts. I am basically about to be XXXX because I am not able to pay any of my bills and I cant survive without money for any longer. I have gotten no where by speaking to the employees or the higher ups, and at this point Im afraid my {$23000.00} dollars I have worked hard for is gone forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2023-03-04
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX, I received a Mastercard from US bank ending in XXXX which I never applied for. I contacted US Bank and have closed the account and opened an investigation. They told me the account was opened around XXXX on XX/XX/2023.

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 2023-07-13
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:
This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$220.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2019-08-20
Company: WELLS FARGO & COMPANY
State: MD
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:
There is a inquiries on my credit report that shouldn't be there! And I want them removed as soon as possible. My name is XXXX XXXX XXXX! And the person that has applied for credit name is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Veros Credit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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