BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have send TransUnion a total of 3 letters regarding inquiries that they are reporting on my credit report. The last letter I send with tracking number XXXX. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report and reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA Metro 2 reporting regulations, namely that do not have verifiable proof of permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. Instead of making a dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter not once, not twice, but yet 3 times all they send me was a letter stating inquiries are factual and also they did not even mark these inquries as disputed. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: WELLS FARGO & COMPANY
State: IL
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 recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: IA
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've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since XXXX! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Professional Debt Mediation, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit score and saw that I have a collection for XXXX XXXX utility company for {$290.00}. The account was apparently opened on XX/XX/XXXX in XXXX TX under my maiden name. I have not used my maiden name since XXXX and I have never lived in Texas. I spoke with the collection agency, XXXX XXXX XXXX, and explained the situation. I was told to file a report with the FTC and to file a police report and to email both reports to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: MA
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 2018-11-27
Company: EQUIFAX, INC.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/18 called Equifax to file a dispute that was showing on my credit report obtained by XXXX. 
On the credit report under Equifax it is showing that that I have an UNPAID MEDICAL collection, and I want to know more information about this so I can fix this, as I think this is an error. 
Equifax could not bring up anything under my name, SSN & address. They wanted a 10 digit number, which I do not have on my credit report. 
I also tried to submit a dispute online with Equifax, but this also does not work with the information I provide. 
People on the phone do not understand English very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It looks like possible XXXX profiling to me, but maybe it's just incompetence. 

Applied online for a Target Redcard ( branded card issued by TD bank ) on XXXX XXXX. Received a formletter XX/XX/XXXX that asked for a copy of the front and back of my driver 's license, and social security card, plus a utility bill. Letter  said they had contacted XXXX  for my credit information. 

None of this information adds anything useful for credit analysis over what's in my XXXX  file -- except the picture on my drivers license. The other items appear to be just cover to disguise what they are apparently really after. The application said nothing about requiring these items. 

My credit score is above XXXX, I've lived at the same house ( which I own outright ) for more than 30 years. Other banks regularly send me 'pre-approved ' credit card applications. XXXX has a record of my credit card payments going back years, along with my address, my social security number and the lack of any negative reports from utility companies or anyone else. Given the length of the credit history and the hundreds of thousands of dollars of past on-time payments, if these questions are to deter identity theft, they must suspect a rather long and unlikely con. 

Another possibility is that XXXX XXXX  did issue a credit card in my name a few years back to a scammer with a Florida address and only cancelled it when I contacted them. But that information has dropped off my credit reports -- if TD is relying on information other than XXXX, they should say so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Hi, I have been a serve member for a little bit, then early XXXX I recieve an email saying my account was suspended saying I violated the user agreement but did n't give any notice of what I did. Ok fine, that XXXX but if they do n't want me as a member fine. I called and was told I would receive a check for the balance within 10 business days I think it was. But it never came, I called again a few times and was told different things each time. I was told it was being reviewed and to wait 3 business days and call back and then one time was told there was 24 hours left in the review period and to call back afterwards .... anyways fast forward to now, they no longer give me any details just that the account is under review and that I might not get my money back. Wait, what? This has been going on for almost 3 months and now they wo n't tell me anything, I 'm hoping they will work with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: AZ
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 I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with XXXX XXXX. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. Experian is reporting that XXXX XXXX says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.

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 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.

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 2017-04-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax reorted 30 days late on my credit and I submitted proof it was paid on time.   XXXX   XXXX   was paid off and I was never late. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: CarMax, Inc.
State: IL
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 recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX  XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  XXXX ) of any sort. 

In regards to The company ( XXXX  XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX  XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: EQUIFAX, INC.
State: IL
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:
Starting in XXXX of XXXX, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of  my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX XXXX Equifax I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: MS
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 name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 non-monetary relief
Consumer complaint received 2022-09-04
Company: Cascade Capital, LLC
State: AR
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:
CASCADE CAPITAL you are in violation of 15 USC 1692G due to not VALIDATING THE ALLEGED DEBT. 
CASCADE CAPITAL I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT

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