BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate complaint, this complaint due to the new evidence. I represent myself by myself. I'm victim of identity theft and my personal information was compromised. As a result I got hard inquires on my report that I have never authorized. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have come to you, the credit reporting agencies to resolve these issues. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these unauthorized hard inquiries from my 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 non-monetary relief
Consumer complaint received 2021-10-30
Company: VW Credit
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a XXXX XXXX XXXX in XXXX and I finish paying for it in XXXX XXXX I did not get a Title from XXXX XXXX . The suv was financed by the XXXX XXXX XXXX The XXXX was bought to use in my business : XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 
I paid XXXX for a copy of the title in XX/XX/XXXX, and when I did not get it I went to the XXXX XXXX XXXX XXXX and was told that there was leinhold on the Title. XX/XX/XXXX I call XXXX XXXX and was told that I would get the title in 10 day. 
After more than 6 weeks passed I called them again. I a still waiting on the title and ai a unable to sell the XXXX XXXX. I am still paying Auto Insurance and State Tax. 
Please help e to get my title '. XXXX XXXX XXXX XXXX # XXXX my email XXXX telephone XXXX XXXX Thanks for your help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to transunion twice in the XXXX and XXXX to have inquiries removed from my report. I have been a victim of fraud. I have an active alert on transunion. No one should be able to run my credit for any reason without a password. Also all inquiries that are not connected to active accounts do not belong to me. I would like to have these inquiries removed. They should have never been in my credit. 
Transunion has not cooperated with me in getting anything 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 2023-08-07
Company: U.S. BANCORP
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:
There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.

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 2020-02-28
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 filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.

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 2020-02-28
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: Account information incorrect

Complaint:
This 1099 shows XXXX XXXX XXXX cancelled the remaining debt of {$6200.00}, yet XXXX XXXX  XXXX is still reporting on my credit that I owe {$6200.00}. The account needs to be updated with a {$0.00} balance because the debt has been cancelled and written off, and can not be paid because they have already reported the amount to the IRS, so on my credit that show be reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
During the month of XXXX, I had sent a form to get a refund on what I had paid during the months of XXXX or XXXX of this 2022. Not aware that I had used the Capital One Card to pay for a transaction, I thought I used my other bank cards for it. When the last 4 digits was given by the reps at Secretary of State, I compared cards to find out it was on my closed account, credit card that also has a balance. This issue has already been discussed and is in process of the handling between several debt consolidation and of other resolutional sources. Nor did I give any promise to pay or consent to accept such monies to clear debt owed from this refund. The amount was expected to be received by me for other personal use. For the record the consolidation process is currently still ongoing. I tried getting help with issue from both Capital One and the Michigan Secretary of State to NO Avail!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: CO
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 have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Experian is reporting on this account. My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Experian in XX/XX/2022 and no response, I sent a follow up at the end of XX/XX/2022 and still no response and no correction to the account. The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Experian is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Experian is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The account type is listed as " unknown-credit extension or collection '' - This means is unvalidated and the company who is reporting is issuing inaccurate and incomplete information, Lastly a collection account should not report any two year history and of course experian is also reporting a history. This is at least 5 violations. Ive included the letters mailed and the 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 2020-02-28
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Beginning approximately XX/XX/XXXX, I began receiving telephone calls from a collection agency at my workplace as well as on my cell phone. No message were left, only missed calls. On this same day, I conducted a XXXX search on the collection agency using the telephone number from which the call came. I discovered that the collection agency was using a spoofed telephone number with the area code of the city where I current reside. However, the collection agency is located in XXXX, New York. 

1. I did not give this company permission to call my workplace repeatedly whether or not a message was left. 

2. As of XX/XX/XXXX, it is illegal for a collection agency to use a fake telephone number or " spoof '' telephone number to trick a consumer into answering their telephone. As such, the collection agency is in violation of both state and federal law. 

Additionally, the collection agency has called my work and cell numbers using several different spoofed numbers with the area code XXXX, which is my current area code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
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: Old information reappears or never goes away

Complaint:
I was added as an authorized user on two XXXX accounts in XX/XX/XXXX. I was removed from both accounts in XX/XX/XXXX. On Experian website it states that closed authorized users accounts could be removed from the credit report by contacting the credit bureau. Therefore I filed disputes with Experian. However, after several phone calls and three disputes, nothing change. My closed authorized user accounts sill show up on my credit report. Here is the official website stating relevant information from Experian : XXXX XXXX XXXXXXXX XXXX XXXX I do not understand the fact that Experian does not follow their own company rules and ignore all my dispute request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized transactions ( total of 13 transactions ) took place on my Wells Fargo checking account as following : XX/XX/22 {$390.00} ( same day 12 times ) XX/XX/22 {$190.00} ( one time ) Total loss of {$4900.00} through a debit card. 

I had filed a claim on XX/XX/22 with Wells Fargo. They had concluded these transactions are authorized and closed the case on XX/XX/22. I disputed this conclusion several time, but going nowhere. 

I need help to get my money back.

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 2019-04-25
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 writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I recieved a email stating my loan was approved. I never applied for this loan I called them .they informed me to make a police report I did. they sent information to my email had all my information my old job number as well as my old account that was shut down over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX CT XXXX XXXX, NY XXXX, CAPITAL ONE XXXXDate Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation