BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I recently discovered that I'm a victim of identity theft. I pulled my credit report and noticed that I had several addresses on my credit report that I have NEVER lived 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on an additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 2019-03-12
Company: U.S. BANCORP
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:
My name is XXXX XXXX. I have a US Bank Reliacard that XXXX pays child support into. I was sent a new card at the beginning of XXXX but the card wouldn't activate. The system kept stating that the 3 digit security code was incorrect. After many calls they decided to send me a new card that I waited over 4 weeks for. The new card is stating the same issue, I'm not getting any help with it this time. The agents are very nice trying to help me but the supervisors are either telling me to do the same thing I've been doing or just leaving me on hold when an agent tries to escalate. I have spent over a 140 euro in phone calls trying to get this card activated ( I moved my kids to XXXX when I got divorced ). Can someone please help me, I'm falling behind in rent and am so frustrated.

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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 Were not removed in the report. 

TransUnion did not remove this one XXXX/XXXX   {$100.00} XX/XX/2019

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 2021-08-07
Company: Experian Information Solutions Inc.
State: SC
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:
This dispute is due to XXXX  and other credit bureaus such as Experian and XXXX  using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.

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 2023-01-09
Company: EQUIFAX, INC.
State: IL
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 DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. Ive already included them in my previous Complaint & I am including them again., Please investigate these items that are misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-03-02
Company: Grassland Financial Services, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a claim with my insurance company XXXX XXXX XXXX for Storm Roof Damage to my home that included Roof damage water damage interior of home and exterior damage. XXXX XXXX sent the claim check to my Mortgage company who is Grassland Financials. Grass Financial deducted my mortgage payment of {$770.00} and sent me a check in the amount of {$2800.00}. The repairman repaired my ceilings my home is leaking from the roof and I have additional damage from my ceilings. 
My mortgage company withheld the funds for me to repair my home. The reason I'm currently trying to correct this issue is because I didn't know my mortgage company didn't send me all the funds until I had my insurance agent to review the settlement statement from XXXX XXXX. Grassland Financial has been my mortgage servicer for several years, I've never received mortgage statements or letters from them reflecting information for my taxes, insurance and escrows. I call them monthly to make my mortgage payment over the phone. I was recently contacted by Grassland Financial customer service and was asked if I had been contacted by the Internal Revenue Services. The informed me that the mortgage interest statements for my mortgage was sent to the wrong mortgage customer.. Grassland has taken advantage of me and has unethical business practices. I need help to repair my home and I want to receive mortgage statement so I can see how my payments are being applied to my mortgage. See Attachments Please Help! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I discovered a scam which affected my direct deposit information at my employer. Received an email from XXXX on my work email, notifying me that my direct deposit information had been updated. I check my XXXX account notice that a secondary bank account ( Bank acct # XXXX, Rounting # XXXX and changes were made from IP Address ) was added and said that 95 % of my net pay would be deposited and whatever was remaining would go to my personal bank account. I contacted my employers HR dept and immediately made chances to delete that unknown account so that when I got paid all funds would go to my personal bank account. I discovered that the Routing # for the fake account belongs to The XXXXXXXX XXXX I tried to contact them at phone number XXXX ( address in XXXX, DE ) but was told that the account belongs to PayPal Cash Plus and would have to contact them, that they only provided cards to PayPal. I contact PayPal Cash Plus ( phone number XXXX ) and was given the run around, placed on hold for 30 minutes+ and even hung up on until I spoke with XXXX XXXX some customer complaint department and she informed me that she is unable to pull an account without an email and that the account is linked to a Direct Deposit account and theres nothing they can do but " investigate ''. SHe would not give any details as to whom the account belongs too or anything. I asked for details of this investigation and if I can be informed of the process and they said no. I've had all my devices searched for viruses and malware, including my phone and it all came back clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
TU # 6 XX/XX/XXXX file complaint TU # 5 XX/XX/XXXX sent, XX/XX/XXXX response dated XX/XX/XXXX - no changes TU # 4 XX/XX/XXXX sent, response, dated XX/XX/XXXX - deleted XXXX XXXX, no other changes TU # 3 XX/XX/XXXXsent, response, dated XX/XX/XXXX - no changes TU # 2XX/XX/XXXX sent, XX/XX/XXXX no response TU # 1 XX/XX/XXXX sent, XX/XX/XXXXresponse

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 2019-03-02
Company: CITIBANK, N.A.
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:
I received a bill from XXXX XXXX XXXX dated XX/XX/2019to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with Citibank. A couple of years ago I received a fraudulent call from someone claiming to call from Citibank for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.

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 2023-11-10
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for credit and I was denied Lexis Nexis consumer was one of the companies listed that creditors used for their decision. Therefore I requested a copy of my consumer file to review for negative information reported on file by Lexis Nexis. However, I see on my consumer disclosure file Lexis Nexis is still reporting several old insurance claims dated XX/XX/XXXX, and XX/XX/XXXX that are past seven years old. Another claim listed on my report on XX/XX/XXXX, under my government name I never had or authorized my personal information for car insurance with that insurance company and had no afflation with the unknown driver listed with that insurance company reporting a claim on my file dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just discovered I had an outstanding collection for an XXXX XXXX XXXX account I thought had already been handled. Now after paying the debt in full it is still showing as a collection on my credit report and Im also seeing where Diversified consultants repeatedly removed it from my Bureau and then re opened the following month lowering my score tremendously.. I never received any mail or calls about the debt and would of had no clue had we not been applying for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i checked my credit report today XX/XX/2023 and when i seen my report i seen that there was a XXXX credit card opened and maxed out a card in my name XX/XX/XXXX XXXX i was not made aware and had no knowledge of this account until i got into my credit report and seen this derogatory remark of a closed account on my account i called them to get it removed now its been longer then 30 days seen i have seen any changes so now im taking it up with you guys to get this account removed off my report please help so i can be able to achieve the things that i want financially

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 2023-06-05
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:
This is my fo14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-27
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:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX  XXXX XXXX XXXX : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}

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 2023-06-05
Company: EQUIFAX, INC.
State: NC
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 following companies listed on this report are reporting accounts that have been flagged as fraudulent accounts. This is a clear violation of the Federal Law. 
I have attached a copy of my identity theft report with the accounts that need to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation