BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
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: Account status incorrect

Complaint:
I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the 30-day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. 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 2021-04-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by XXXX on XX/XX/XXXX Section 8 was paid up to XX/XX/XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received 4 emails from Bank of America, who I do not bank with. I haven't clicked on or responded to any of those emails. 
The first email was to verify my email address used to create the account. I did not respond. 
The second was a welcome email for online / mobile banking enrollment. 
The third was an in-progress email for an application to a checking account. 
The fourth was the approval for the then opened checking account. 

Bank of America does not have an easy to find phone number to report fraud, so today, Monday XX/XX/15, I reached out via direct message to their XXXX account. 
After I missed their call, I called back. 

At noon the person I reached, XXXXXXXX XXXX, asked for my Social Security number to find the account. 
I stated I didn't want to provide my Social Security number because I did not set up the account. 
I noted that at least my email address used to set up this account since I received four emails from them. 

He said that he couldnt look up my email address and wanted me to physically go into a Bank of America branch. 
I declined and insisted he look up by my email since I was not the one who initiated the account to be setup. 
Since I didn't respond to ANY emails, including the email verification email, it appears his company was trying to defraud me either through insufficient vetting of an applicant or by BoA conducting unscrupulous activities by secretary setting up accounts. 
I informed him and in the XXXX XXXX thread, my next steps are to report the company for fraud. 

After replying to the XXXX XXXX direct message of my intentions to report them for fraud, I received a call back from XXXX in their Social Media department who pledged to act as a liaison to XXXX in the checking fraud department to try and resolve the issue using only the information they had. 

They insisted they could not proceed without my SSN, which I reluctantly provided. 
XXXX found an account, which used my SSN and a previous address and closed the account, noted there was no activity, stated she would report to the credit bureaus that the account was not authorized, and would send an email with next steps to protect against 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 2018-11-08
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a XXXX XXXX XXXX XXXX in XXXX, Florida. I submitted myself and my information for a background check to First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX. 

The background check was completed and a report from First Advantage was delivered to me on or about XX/XX/XXXX. 

The report, which was also provided to the XXXX XXXX XXXX XXXX, Acct # XXXX, included information alleging that I had been placed on probation in XXXX County for a one year period for a crime committed in XX/XX/XXXX. If the Company, First Advantage, had looked further into the charge and the alleged date of commission, they would have discovered that I was still in Elementary school at the time and this charge could not practically belong to me. I am embarrassed and humiliated that further questioning of me or research into the information was not completed by First Advantage. The negligence in handling the background check under these circumstances is inexcusable. A False report has now been provided about me. I have contact the agency where the charge was allegedly filed ( XXXX County State Attorneys Office ) XXXX XXXX, FL and have been advised that no charges exist under my name. 

I want the Consumer Financial Protection Bureau to investigate the error in reporting by First Advantage and I want Agency to be reprimanded for their negligence in handling this case. The Agency MUST send immediately a corrected report and an apology to the XXXX XXXX XXXX XXXX for causing me this harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
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: Information belongs to someone else

Complaint:
Fraudulent account identity theft XXXX XXXX XXXX Amount XXXX Open XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I spoke with the representative at XXXX XXXX about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian credit reports has my name on there as XXXX XXXX XXXX. My name has never been XXXX XXXX XXXX. Please remove this from my credit. Thank you kindly

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: 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items 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 2020-11-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a 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 2023-05-03
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: Account status incorrect

Complaint:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

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 2017-09-22
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX dated XXXX 2016 met this requirement, pursuant to the Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$5400.00}.

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 2019-11-07
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2020-10-19
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear Officer of the XXXX, I am XXXX XXXX. I required XXXX on XX/XX/2020 and XXXX XXXX XXXX You completed my XXXX  XXXX  report. I am part of the XXXX  XXXX   XXXX  in XXXX XXXX A program that verifies that one has no income or benefits and provides basic medical services for those who are not eligible for XXXX or XXXX. 
Since then, for {$210.00} XXXX XXXX  has been sending invoices to me with the last on threatening collections on someone who has {$40.00} in their bank account and who lives with her son. 
My son called and spoke on my behalf to XXXX, sent everything they needed to verify financial need ( they said that they had a program for this ) but has been ignored by them ever since. He spoke to XXXX on XX/XX/2020 and then her supervisor XXXX XXXX later. 
XXXX XXXX XXXX was rude and unprofessional, asking discriminating questions like " is the patient legal in this country '' and the like and ultimately decided that they would not waive the {$210.00}. 
Numerous emails asking for details of the services provided have been ignored. 
Request for contact information for XXXX XXXX XXXX XXXX and CEO of XXXX, and XXXX XXXX XXXX the XXXX have been ignored. 
Requests for " Any paperwork that you may have showing we agreed to cover doctor fees and All other paperwork that you may have '' have been ignored. 

The company has now sent me to collections, I have no income, I have no money, my son pays for my basic needs and houses me. Am I to now fight a collection company because I was unfairly sent to them for months on end??? 

I am writing to other appropriate government agencies to ensure that other poor patients are not harassed in this way. 
Thank you for helping me and other patients by providing this safe space to complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00}

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 2022-07-14
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 and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX 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 2021-08-13
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We can not operate like that. 
How is it possible that {$30000.00} simply disappear after being transferred, with absolutely no follow-up from XXXX XXXX ( former TransferWise ). 

The status for the transfer in XXXX XXXXXXXX website says : ransfer successfully sent Keep in mind It can take up to 2 working days for your bank to credit the account. 

It has been over 4 days, and nobody has reached out to me ( in case they need any verification ). 

How is it possible that {$30000.00} just disappeared like that. 
Do I really have to chase my own money because the involved banks and partners are not doing their job? 

I understand if there are additional checks and I will provide anything that is necessary. What I don't understand and don't agree is that nobody reaches out to me. They just keep my money somewhere ( possibly earning interest to them? ) waiting for me to take an action that I don't know what would be. 

I don't have anybody other than XXXX to contact. However, XXXX website shows it as fully completed. 

It is a service that is completed, but not just not delivered, but I'm not even aware where my {$30000.00} went to. 

This is just absurd, and poor job from regulators ( unfortunately I'm not surprised - it's money first, service second ). 

I would like to request an audit of all services provided by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. 

On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request Cavalry Portfolio Services , LLC ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( XXXX  XXXX ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit bureaus. 

On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE ( XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). 

The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like Cavalry Portfolio from using deceptive, false, or misleading representations in the course of  collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: TN
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 have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On Experian and XXXX  I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.

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