BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The accounts listed below has violated 15 U.S.C 1681, section A. states I have the right to privacy, U.S.C 1681, section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C. 1681c ( aX5 ) section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse items or information, other than records of convictions of crimes which antedates to more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reason to cause to believe that the information is inaccurate. 

The accounts below violate my right to privacy, and were reported to the consumer without my instructions, they also contain adverse information. 
1 ). XXXX ACCT # XXXX, 2 ). XXXX ACCT # XXXX 3 ). XXXX ACCT # XXXX 4 ). XXXX XXXX ACCT # XXXX 5 ). XXXX XXXX ACCT # XXXX 6 ). XXXX XXXX  XXXX ACCT # XXXX 7 ). XXXX ACCT # XXXX 8 ). XXXX XXXX ACCT # XXXX 9 ). XXXX XXXX ACCT # XXXX 10 ). XXXX XXXX acct # XXXX ( XXXX ) 11 ). XXXX XXXX acct # XXXX XXXX XXXX 12 ). XXXX XXXX acct # XXXX XXXX 13 ). XXXX XXXX  acct # XXXX XXXX XXXX 14 ). XXXX XXXX  acct # XXXX 12 XXXX XXXX XXXX 15 ). XXXX XXXX acct # XXXX XXXX XXXX  16 ). XXXX XXXX acct # XXXX **** XXXX 17 ). XXXX acct # XXXX 18 ). XXXX XXXX acct # XXXX 19 ). office of the attorney general ( child support ) more than 7 years and paid Acct # XXXX, been on report over 11 years inaccurate

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$240.00}

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 2023-03-15
Company: EQUIFAX, INC.
State: NY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is going to be very simple for ProCollect to understand. First, their client who created an illegal debt called criminal fraud based on lies then transmitted it across wire to ProCollect in TX. In XXXX of 2022, ProCollect then used the mail " mail fraud '' to send an extortion attempt to collect a fraudulent debt. 

Their client knows what they have done is wrong and will be facing severe penalties and charges under DOJ. Now, since ProCollect has involved themselves in this illegal activity, they will be added as a third party attachment where they will be responsible for not only civil damages but also criminal. 

To clarify this, ProCollect, their client ( XXXX ) has used their organization, " enterprise '' to create fraudulent debt and then to extort people over that fraud. Now, ProCollect had been warned about this. Under the RICO ACT they will be wrapped together in a nice little bundle. 

Every time we have tried to dispute this, ProCollect goes to their client who then continues to resubmit a fraudulent debt and ProCollect accepts it transmitting the debt through " wire '' Law enforcement has advised us that ProCollects failure to stop their activities after showing them we do not owe a debt and their refusal to accept the evidence, shows ProCollects continued attempt at illegal activities. 

ProCollect should wonder why their client has shut up and not said anything in several weeks. Very interesting, their client XXXX XXXX has not spoken a word. Do you know why? It has to do with losing her freedom. Just like you have the possibility of doing. 

ProCollect states they are not the ones with the debt. Well, their names are all over our credit with criminal fraud. It blatantly says " This is ProCollect trying to collect fraud and we will hold your credit XXXX until you do! '' Thats called extortion.

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 2019-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2019, I conducted a balance transfer of an entire balance from Capital One to a no interest XXXX card. I was told that the processing time is 5-7 days. On XX/XX/2019, I phoned Capital One to apprise them of the transfer and ask if the account had been paid off. I was told it was not. I once again phoned on XX/XX/2019 to inquire and was told that it was not. I was told by the Capital One representatives on both days that notes would be made on my account that the payoff was going to be forthcoming. No other action was asked of me and no payment was requested or demanded. No warning of negative activity was made. 
One XX/XX/2019, the expiration of the 7th day for processing time, I received an email from XXXX letting me know that a 30 day late reporting was made by Capital One. The reporting decreased my score by 44 points. I then contacted Capital One to ask why this reporting was made without warning during the multiple conversations I had with them letting them know of earnest intentions. They responded that I should dispute it as there was nothing they could do for me. Had they warned me, I could've protected my credit history by making any payment that they needed to avoid a negative reporting. 
My accounts have always been healthy. This is the first late reporting on my credit history. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
State: TX
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:
There is an unauthorized credit inquiry from THD/CBNA on XX/XX/20. I have filed 2 disputes with Equifax and they will not remove. I just spoke with someone today and they said I have to contact the creditor or file a consumer report. I contacted Citibank and they were not helpful. I spoke with XXXX XXXX ID XXXX today and she kept saying I have to contact the credit bureau. They are just giving me the run around. This isn't the first time that someone has access by credit and/or bank accounts. I keep getting alerts that my information is being sold on the black market. This is so unfair that no one will help me remove it. Luckily, no credit lines were open but I want it removed and my credit report to report accurately. 

XXXX Dispute ID 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 2022-10-19
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 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 2023-03-14
Company: Experian Information Solutions Inc.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.

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 2022-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 explanation
Consumer complaint received 2017-12-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Friday XX/XX/XXXX I was attempting to make a purchase at the XXXX XXXX XXXX XXXX XXXX department in XXXX XXXX, XXXX XXXX. I swiped my card and was told that the transaction did n't go through because the fraud department had put a block on my card. 
No explanation was given, the clerk in the department had my passport, and my XXXX XXXX card, I was allowed to talk to fraud department. I explained to them that I had made many around 25 purchases, as some purchases had to be done separately to get credit or additional percent off. 
The supervisor of the department asked if they could send me a text to my cell phone. I reluctantly agreed and was then told since I have phone service through XXXX, they could n't send me a text because they could n't verify me. I do n't pay a monthly bill and the phone is a smartphone, just I buy blocks of time as needed. 
So the issue was never resolved. On Saturday XX/XX/XXXX I received a letter in the mail from XXXX XXXX Fraud Prevention, claiming that I needed to call them right away because they had been trying to reach me but were unsuccessful. I called the number sat on hold, and then someone picked up the phone and hung up. It was at that exact time as the department had just closed. 
Today XX/XX/XXXX i called and asked for a supervisor, I talked to XXXX. Well frankly I yelled and swore at her. I had entered my information into the automated system, with the specific phone number XXXX which is for the Cardholder Protection Department. I was told that the information I enter on the phone does no t get passed through to the agent or supervisor if one is needed. SO WHY AM I ENTERING THIS INFO IF IT DOES N'T GET PASSED THROUGH. 
I had to give XXXX all this information to verify who I was, I was still not able to get my account unblocked. We went through the same XXXX about getting a text to my phone. I CAN GET TEXTS, THEY ( XXXX 'S FRAUD DEPARTMENT ) CA N'T SEND ME A TEXT BECUASE THEY CA N'T VERIFY MY NAME ON THE PHONE OR SOME XXXX LIKE THAT. 
So XXXX asked me questions from available public records and I passed the security questions that I should have been able to do at the store on XX/XX/XXXX but, hey maybe they wanted to go home and did n't want to ask questions. Who knows. 
but they finally unblocked my card. 
XXXX, kept on saying that she understood how frustrating this must be and that they wanted me to use my card. However, they were not protecting me, and why would I want to use a card that caused me so much trouble. Would you want to use a card from any business if they unceremoniously blocked your card?

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 several times I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXBalance : {$3200.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}

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 2019-07-29
Company: Experian Information Solutions 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:
On XX/XX/2019, I got a notification from my XXXX  protection with Experian that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. XXXX and Experian are the only XXXX showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be XXXX point from getting a top tier interest rate.

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 2023-03-06
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I recently filed a complaint that was closed by Mr. Cooper. In their response Mr. Cooper lied to this agency and by default to us once again. 

Mr. Cooper and XXXX XXXX have systemically lied to us in what seems to be an effort to drag this out to a foreclosure date. 

Even after Mr. Cooper responded to a previous complaint we received documentation from Mr. Cooper XXXX XXXX XXXX ( XXXX XXXX XXXX in her email address ) refusing to supply us with the information we requested. Her email reply and XXXX reply do not include the very specific documents we requested. ( Attachment : XXXX XXXX XXXX XXXX ) and ( Attachment : XXXX  ) In fact Mr. Cooper employee, according to XXXX XXXX, lied to us. She very, VERY clearly stated XXXX XXXX OWNS our loan. She has repeatedly used the word own in replies to us AND to this agency. This is a falsehood. ( Attachments XXXX and MrCooperXXXXr ) We sent an email making it very clear what documents we were looking for yet XXXX did NOT provide the correct documents. 


Attached you will see her documents stating XXXX XXXX OWNS the loan AND documents showing XXXX XXXX denying they OWN the loan. 

Mr. Cooper will claim she misspoke but it is in several correspondence from employee XXXX XXXX. 

Mr. Cooper has engaged in this type of fraud and deceit for years causing both mental health and physical conditions to deteriorate for myself and my mother and they should be held responsible. 

The loan is predatory originating from XXXX in 2006, we have paid an estimated {$130000.00} on an {$80000.00} loan and they want {$66000.00} more. Mr. Cooper has failed to provide documents as requested. Repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: AL
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 have sent letters to Equifax, XXXX, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX 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 explanation