BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report.

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 2022-12-16
Company: EQUIFAX, INC.
State: DE
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:
I XXXX XXXX never gave Equifax, written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

None of these companies have lawful authority to put any account on my consumer report. All accounts list below must be deleted!

I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent account.

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of! 
Each one of these accounts need to be deleted immediately, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Once again all accounts above shall be blocked and deleted from my credit file immediately! 
This will be forwarded to the consumer Financial protection Bureau, I will also notify my attorney generals office as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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:
Hello, there is a child support account reporting in my credit reports from the State of XXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( XXXX, Equifax, and XXXX ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Cash Express, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yesterday I was contacted on my job by the manager of this location. Not only did they call but they called about six times. My coworker explained that it sounded like a child. Everytime she would put her on hold and I try and pick up the phone they would hang up. She was disguising her voice. I was able to take pictures of the time stamps of the caller id showing the calls and the time stamps. I went into the store to pay and the XXXX was saying that I owed XXXX. I gave XXXX XXXX. Once I got the receipt it only showed I owed {$540.00}. So I told them to give me my {$96.00} back. The manager refused. At this point I 'm not sure if this lady is trying to keep my money but how can you change me something that 's now showing on the receipt. I also asked for a print out of my payment history and was told I could not have that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2023 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Was not notified of investigation status or results

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2020-07-14
Company: FISERV INC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received paper letter from Fiserv saying it paid a utility bill on my behalf from a bank account I closed and that I owe them the money. The bank account # they referenced was not mine, but I did have an account at the bank they mentioned that I did close. They had my full name and address correct. They said to call Fiserve at XXXX but I'm not doing that. The mailing address for Fiserv on the letter is XXXX XXXX XXXX XXXX, OH 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 2018-08-01
Company: Experian Information Solutions Inc.
State: MN
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:
Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending 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 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
XXXX issued a check for XXXX. My husband was in an accident XXXX. The check was made out to XXXX XXXX law firm, XXXX and XXXX XXXX. I waa never made aware of the issuance if the check mid XX/XX/XXXX. The lawyer sign and added XXXX Signature. Issued XXXX a check XXXX we were living together but separated with out my knowlegde or signature. The check was issued by XXXX and cashed at Bank America. I have been giving the run around from XXXX and Bank of America. The lawyer removed himself from the accident case he was handling for me stating to XXXX I am trying to get him disbarred. He never contacted me. XXXX sent me a copy of the cashed check. This was 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 2022-12-02
Company: Grow Credit Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$60.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CT
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 contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Wilber and Associates, P.C.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wilber & Associates PC is demanding payment from me ( or my insurance company ) on behalf of XXXX XXXX stating " Our client is seeking reimbursement from me as a result of the incident which occurred on claim date ( XXXX in XXXX XXXX, Oregon. Their Client Claim number XXXX. The amount of the claim is {$5500.00}. There is no description of the incident! 

This is a completely fraudulent claim which they have engaged in with others repeatedly per your files and other reports from XXXX throughout the US! I have never been in XXXX, Oregon on that or any other date. I have not contacted them because I don't want to give them further opportunity to harrass and threaten me. 

Thank you for your assistance in resolving this and hopefully taking legal action for this clear scam which undoubtedly frightens some people into paying money they don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$760.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00}, XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XXXX XXXX, XXXX, High Balance {$76.00} ), XXXX XXXX  XXXX. ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$850.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase will not validate my bank account in the XXXX so I can transfer money back to myself. I have transferred the required Euros, with all the correct references, to Coinbase 3 times and requested validation on a daily basis for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Credit Karma, LLC
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: Public record information inaccurate

Complaint:
CreditKarma keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted XXXX repeatedly as I was told that this is the only place they could have attained this information from. XXXX stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 5th collection agency that was contracted by XXXX to attempt to collect.Please see attached letter from AFNI, all 4 of the previous collection agencies were never able to verify the debt. Please refer to my original complaint XXXX XXXX That was the 1st three, than the 4th, XXXX XXXX see complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX  ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, 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 XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: LA
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSP-XXXX-VER-XXXX {$0.00}

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 2022-12-15
Company: EQUIFAX, INC.
State: PA
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 initially filed a disputes for some illegitimate accounts on my credit profile which where sent out via usps certified mail XX/XX/2022. The initial dispute was for Equifax to validate & verify the accuracy of the account in question. However more than 30 days have gone by with no reply/ update to my credit report from the initial disputes that were mailed. They where never picked up from the XXXX XXXX XXXX 
Tracking numbers where XXXX XXXX XXXX XXXX XXXX  : acct # XXXX I then immediately filed a FTC report for the illegitimate accounts on my credit profile. And submitted the disputes separately online on XX/XX/2022 & XX/XX/2022. I received results for the disputed accounts via Equifaxs online dispute center between XX/XX/2022 & XX/XX/2022. However 4 of the 6 disputes where deleted leaving me with 2 illegitimate accounts on my credit profile. I then resubmitted my dispute via online dispute on XX/XX/2022. I received the results on XX/XX/2022 stating that the 2 accounts that where left had still been Verified. I the. Submitted an additional dispute on XX/XX/2022 with a Re : Method of verification. My dispute was finished on XX/XX/2022 stating that the account was verified again. I was not provided with any proof of the verification for XXXX XXXX  : acct # XXXX. Also XXXX  sent me the account summary after I filed the ftc report with Equifax which has a complete DIFFERENT ADDRESS on file, which I received on XX/XX/XXXX!!!!!!!! Also on the dispute results that I received on XX/XX/2022 it stated that the identification and the address had been reviewed but there were no result of it! I have included all of the documents that I have obtained and that I have submitted to Equifax before. Which supports my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSPXXXXVER-XXXX {$0.00}

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 2020-07-14
Company: EQUIFAX, INC.
State: TN
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 AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :

Company response to consumer: Closed with explanation