BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert via email from my bank that someone pulled my credit report from TransUnion. I looked up my report online and discovered that on XX/XX/2020 a credit union I do not know, recognize or have ever done business with pulled my report. Listed on my credit report inquiries is Type of Industry : Credit Union XXXX : XXXX XXXX XXXX XXXX XXXX CO XXXX Phone Number : ( XXXX ) XXXX I could not get through to this number by phone or to TransUnion by phone, additionally, TransUnion offers no email address to email a fraud complaint. 

It appears that someone may be gathering my credit data illegally.

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 2018-02-03
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Law Offices of Robert J. Colclough, III
State: CA
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:
ALLIED COLL trying to collect debt in the amount of {$11000.00}. It's unknown to me opened XXXX XXXX, 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
XXXX XXXX XXXX Opened a Fraudulent Account in my in the amount of XXXX This account is a result of Identity Theft. I did not Authorize this Account to be opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
Dear TransUnion services : Please correct the following from File No. XXXX XXXX ) Delete the new file you have created under file number : XXXX with INCORRECT name the agent preparing this file created. My name is NOT XXXX XXXX. This worries me. 
2 ) PLEASE correct the address on XXXX XXXX showing XXXX XXXX XXXX. I have ONLY rented one apartment on XXXX XXXX it is ONLY XXXX XXXX XXXX. 
3 ) Please delete also another name recently agent has created most likely AGAIN typo, attaching my middle name to my last name together .... 
4 ) Please delete two telephone numbers I never had appearing in my credit file as follows : A ) XXXX B ) XXXX I never had phone numbers with these area codes. 

Thank you.

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 2018-08-24
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job weeks after getting a loan with XXXX XXXX I spoke with the Branch Manager at the business and explained the situation yet Im still called multiple times a day I spoke with the supervisor and was threatened by her stating that she would take me to court she also offended me by asking what did you get fired for anyway I am highly upset and offended by the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other 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 sending this request myself to address the inaccuracies on my Credit Reports. 

CONTRACT CALLERS account is inaccurately and erroneously reported in XXXX and XXXX Bureaus. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Creditor : XXXX AT T XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXX XXXX, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX Bank, Acct. # XXXX / XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, # XXXX  # # / open XX/XX/XXXX XXXX. XXXX XXXX, Acct. # XXXX  # # / open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Va loan closing of a Banco popular loan in XXXXBanco charge over {$7000.00}. In funding fees.As a XXXX veteran my funding fee should have been {$0.00}. certainly not over {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
About 4 months ago I charged some items using my Home Depot credit card for the first time ( approx. {$41.00} ). We paid this amount to our account but apparently a day or 2 past due. We were unaware of this until almost 3 months later when we received a phone call from Home Depot about this matter. We discovered that they had been sending our notices to the wrong address which by now amounted to {$130.00} in late charges. Home Depot conceded it was their mistake and agreed to waive all charges and clear our account but would not contact the credit bureaus to clear our credit reports.

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 2018-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Fraud dept has denied me temporary credit of {$210.00}

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 monetary relief
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-08-24
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: Personal information incorrect

Complaint:
I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : Experian : *Delete XXXX XXXX & XXXX XXXX XXXX XXXXDelete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX XXXX address : XXXX XXXX XXXX., XXXX, FL XXXX ( These addresses do not belong to me ) XXXX : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXXDelete XXXX, XXXX *Delete XXXX, XXXX, XXXX XXXXDelete address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 debt collection company XXXX XXXX has been settled. Before it was turned over, it was with a credit card company with which I paid medical bills. By the debt originally being medical bills, I feel it should be removed. Also, the date of removal is incorrect. It should be 2018 which would mean it should be removed.

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 2017-12-19
Company: Experian Information Solutions Inc.
State: WI
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/XXXX I sent a certified letter to Experian disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Experian received my letter on XX/XX/XXXX.

On XX/XX/XXXX I reviewed my Experian credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, XXXX XXXX of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to Experian again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

Experian received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that Experian has not removed the bankruptcy from my credit report in 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
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-06-12
Company: EQUIFAX, INC.
State: NJ
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( XXXX : XXXX XXXX : XXXX  ), Unknown Name ( XXXX : XXXX ), XXXX XXXX/XXXX XXXX  ( XXXX : XXXX   XXXX  : XXXX Transunion : XXXX  ), XXXX XXXX ( XXXX  : XXXX  XXXX : XXXX  Transunion : XXXX ), XXXX XXXX/XXXX  ( XXXX  : XXXX XXXX : XXXX  Transunion : XXXX  ), XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX   ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX  ), XXXX XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX  ), XXXX XXXX ( XXXX : XXXX : XXXX : XXXX Transunion : XXXX  ), XXXX/XXXX  ( XXXX   : XXXX XXXX  : XXXX  Transunion : XXXX  ), XXXX/XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX  ).

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
A contract was signed on XX/XX/21 to assume a solar loan in the amount of {$34000.00}. The agreement was recorded on XX/XX/21. 

The first statement the lender provided claims that the loan amount is {$34000.00}. Multiple attempts to correct the issue have failed, the lender has refused to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you another dispute letter containing the list of accounts and items that don't belong to me over 30 days ago ( XX/XX/2023 ) but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes so kindly please take a look at my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Lending Club is apparently a scam. They have stolen {$65000.00} and can not even be contacted. We opened a XXXX checking account with Lending Club after seeing their advertisement online. We were enticed by their range of features they purported to offer, and ease of use, including their online access and mobile application. We opened an account and funded it with {$100.00} deposited from an existing personal checking account. Our account is under the following XXXX name : XXXX XXXX XXXX XXXX We then ordered checks through Lending Club customer service and received them recently as well. We had an upcoming transfer from our merchant processing, which we linked to this new business checking account. We reached out to customer service and let them know the transfer was going to be incoming soon, and wanted to make sure it would be received without any issues. The customer service confirmed there would be no issues, and that we could receive the transfer. On or about XX/XX/XXXX, we received a {$65000.00} deposited into our account. I wanted to move {$25000.00} of the balance to my personal account. I initiated a wire transfer online through Lending Club 's online wire transfer feature. The account is under my exact name, and my home address. I was then emailed several hours later being told the wire was canceled and I would need to provide Lending Club with additional information about my account and photo identification via email. I immediately replied submitting the information. No phone number was provided for any assistance either. I received no response from Lending Club via email. Today ( XX/XX/XXXX ) I was blocked from logging into my Lending Club account as well. All of our information is accurate and was provided to Lending Club as requested. The wire transfer was to my personal account under the same exact information shown on my State identification documents, and is a residential home under my name as well. There is no reason that Lending Club should be able to steal our money like this without any recourse and for no valid reason. These online financial companies now use the " suspicious activity '' excuse to freeze funds at will in an apparent attempt to raise their own profits.

Company response to consumer: Closed with explanation