BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted. 
from an alleged identity theft, not later than 4 business days after the date of receipt 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer. 
reporting agency can not furnish an account without my written. 
Instructions

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 2018-03-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEAR ON MY EQUIFAX CREDIT REPORT. 

FTC ID THEFT REPORT # XXXX XXXX REPORT # XXXX ( HPD )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.

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 2023-04-11
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX  XXXX  and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX  Amount Disputed : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Early Warning Services, LLC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a XXXX rental scam. Ive actually been scammed twice ( pretty much at the same time and in two different cities ) and so will be filing two separate reports. I am absolutely shocked that I could have been so naive as to fall for this, but the communications between the landlords seemed legit and the leases they provided also seemed very legitimate. I also feel that the situation was amplified by the weirdness around CV19 & not being able to meet up with people in person. I am trying to get my XXXX XXXX, and so Ive been searching out new cities to live. I found a reasonably priced apartment in XXXX, IN. This is the scam I am reporting in this claim. 

My initial contact with XXXX was made on XX/XX/XXXX where I responded to her XXXX ad. 

XXXX XXXX XXXXXXXX We back and forthed using the XXXX attached email ( can provide emails as well ), until XX/XX/XXXX when she sent me the lease agreement from her personal email. The lease seemed well written and had all of the suspected mentionings that an ordinary lease would have. I was wary of sending money to a stranger, but I also felt like the lease was a binding contract and if needed, I could reach out to a lawyer or something. 

She used the name XXXX XXXX XXXX when she signed the lease and provided the phone number XXXX XXXX XXXX XXXX. The address for the property was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX We had agreed upon {$850.00} for one months rent and a {$300.00} security deposit. My red flag went up when, after I had sent the {$1100.00} ( I sent it to her email, XXXX via XXXX ) she said shed made a mistake and that the deposit was actually supposed to be equal to one months rent, so she asked if I would send the extra {$550.00}. This is when I told her no, we agreed upon {$1100.00} and I wouldnt be sending any more money. And if I needed to send the extra {$550.00} in order to put down a deposit, then I wasnt going to and asked if she would send me my {$1100.00} back. She didnt reply for the next two days. 

I sent her the money on XX/XX/XXXX. 
XX/XX/XXXX was when she said she needed more money. 
I responded the same day ( XX/XX/XXXX ) telling her no I wouldnt send more money and if that didnt work for her then would she please send the money back. I didnt hear from her for two more days, until today ( XX/XX/XXXX ) where I emailed her begging to please say something as I was getting concerned. She then replied almost immediately, saying something that was pretty much gibberish and didnt make any sense. Ive tried calling her and theres no answer and no voicemail either. 

I am happy to provide the lease agreement she sent me and we both signed, and any other information required to assist in this case. Im not even sure if shes a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was used to make charges I did not make. My drivers license was photographed along with my credit card and false transactions were made on my card. I have tried to resolve these differences with Chase with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Remitly, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 I made and international transfer of {$73.00} at XXXX EST. 
Today is XX/XX/2022 and the recipient has not received the money yet. 
I have made several calls to Remitly to resolve this issue and they have not. 
I have also asked them to cancel the transaction and refund my money, they have failed to do that. I need help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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 want to inform the XXXX AND TRANSUNION Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-20
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor has contacted me and I have no knowledge of this debt. I have contacted my attorney to dispute this debt. The amount of this debt is {$560.00}. Therefore, I'd like this account deleted from my credit reports from all bureau. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2018-10-15
Company: Nelnet, 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: Account status incorrect

Complaint:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and nelnet account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX I called USAA to reach a representative The Automated Voice Line always answers. This automated line responds to my TV in the background ALL THE TIME sending me WHO KNOWS WHERE AND AUTOMATICALLY DOING WHO KNOWS WHAT. Clearly, USAA should be held accountable for their automation issues. I confirm, I spoke to USAA XXXX XXXX, requesting she remove my SUNTRUST PROFILE INFO AS I WILL NOT BE MAKING ANYMORE PAYMENTS. and Payment was Made. Jury would have no trouble drawing their own conclusion to JUSTICE and so should USAA. USAA STOLE MY SOCIAL SECURITY MONEY FOR 3 MONTHS. In addition USAA COLLECTS ON CARD XXXX I DEMAND PROOF OF ACTIVATION DONE BY ME THAT IS IN MY POSSESSION. WHAT DATE AND HOW WAS IT ACTIVATED.? And in Addition USAA HAS NO RIGHT TO ** DENY ME THE RIGHT TO REPORT IDENITITY THEFT. USAA IS VERY DISHONEST AND PRACTICES ABUSE OF POWER. I WANT TO SEE USAA FRAUD INTERNAL CREDITS APPLIED TO MY BALANCE THAT ARE HIDDEN FROM ME. I MUST ACCEPT THEY ARE RIGHT WITHOUT SHOWING FINANCIAL PROOF Temporary Credits USAA mentions WERE NEVER MADE PERMANET OR ADDED TO TOTAL CREDITS for this period on truth in lending statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Ditech Financial LLC
State: UT
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:
DITECH FINANCIAL is reporting erroneously on my credit report. They are reporting as a charge off!! this account was NEVER a charge off. I was never even late on my loan EVER! In XX/XX/2018 Ditech went Bankrupt and sold my loan for servicing to XXXX XXXX XXXX XXXX, and now Ditech is randomly showing as a charge off when I was never even late with them. It looks like a foreclosure and charge off and now it's affecting my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: MO
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:
Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXXXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX XXXX XXXX and Public Accommodations Individual XX/XX/XXXXXXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX   XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXXXXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX  Balance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX NA XXXX {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and writing in for the second time. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5700.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$260.00}

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 explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have sent letters out via first class mail with tracking on XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not remove this innacurate accounts, an arbitration will be filed and sent out to all parties.

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 2020-12-04
Company: BARCLAYS BANK DELAWARE
State: MA
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:
This account are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies.

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 2020-07-20
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: Public record information inaccurate

Complaint:
I am reporting my identity stolen. There is one credit card, one collection, and one Bankruptcy on there that is not mine. I also have family members with names similar to mine. The there are addresses on my report as well that are not mine, I never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: General Motors Financial Company, Inc.
State: MO
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:
This account from GM Financial had been reporting in a charge off status and shows 57 reports on XXXX  before updated as settled with XXXX balance on XXXX  and XXXX. This account had been charged off and allegedly had a deficiency balance however, GM Financial never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.

Company response to consumer: Closed with explanation