BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

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 2022-11-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Started calling me a few weeks ago. I told them we are in a lawsuit against each other and that they need to contact my attorney. The first time I actually answered they said to have my attorney contact them, which I asked the attorney office to do. The second time I actually answered, I told them we are in a lawsuit and they need to speak to my attorney and they said thats not how it works, which is untrue so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: DISCOVER BANK
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:
XXXX is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

XXXX  is refusing to remove a fraud account from Discover credit card. 

XXXX is the account number in XXXX and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

XXXX  will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my XXXX account. XXXX  responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my XXXX  account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: KS
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 have identified information on my credit report as a result of Identity theft. These items are not related to any transactions completed by me.

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 2017-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX  Bankrupt cy discharged   XXXX    XXXX  ? - Capit al One called  my home and sent me emails  XXXX / XXXX /  XXXX  ? - Capi tal One left voi cemails at my workplace  XXXX  Cap ital One  l eft two voicem ails at my workplace  XXXX  Ca pital One left two voice mails at my workplace  XXXX  I talked to someone  at Capital One and told  them the debts were covered in bankruptcy. They transferred me to someone who was going to try to collect my debt. The call was never picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2018-10-21
Company: SYNCHRONY FINANCIAL
State: IL
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:
Unauthorized inquiries on my reports. I have tried to contact the companies requesting to verify or remove the information with no response.

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 2021-01-24
Company: EQUIFAX, INC.
State: CA
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:
Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Maury Cobb, Attorney at Law, LLC
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:
On XX/XX/XXXX Report Number XXXX was generated by XX/XX/XXXX about XXXX XX/XX/XXXX. They deleted the account due to Fraud and  inaccurate information. The company XXXX XXXX XXXX then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX  and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XX/XX/XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XX/XX/XXXX and XX/XX/XXXX from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
I have attached an FTC report with inquiries I did not authorize

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 2021-08-24
Company: DISCOVER BANK
State: NY
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:
I received notice of a credit inquiry on my XXXX  report, dated XX/XX/21, from Discovery Financial. I didn't apply for anything. I contacted Discovery, they say they have no record of this, but when I contacted XXXX  they said there was definitely a " hard '' inquiry with my SSN, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted the company regarding the medical debt for XXXX that does not belong to me. I have contacted them twice concerning the issue to no avail. It is apparent that the debt is not mine but the continue to try and collect it. Even in the paperwork they sent on XX/XX/XXXX Account # XXXX and XXXX XXXX. The DOB clearly shows XX/XX/XXXX and a insurance company of XXXX  XXXX XXXX TX which neither are mine. Also the testing was performed in NC I live in TX. I have been denied credit because of this incorrect information on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 an FHA Valuation appraisal was performed and is currently flawed and tainted I requested another appraisal from XXXX XXXX. At Mr Cooper mortgage company the parent company of XXXX XXXX and the request was ignored. There were Violations of the Uniform Standards of Professional Appraisal Practice Standards. USPAP. Improper influencing of appraiser or the appraisal process. appraiser failed to follow specific FHA instructions for completing appraisal report form. FHA Appendix D Valuation protocol appraisal requirements 4150.2 page D 1

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I knew that the we wouldn't have XXXX 's mortgage payment because we were evicting the tenants. I contacted Mr. Cooper in XXXX to let them know and begin working on the loan modification process. Since XXXX I have uploaded and emailed over 40 times to get them the required documents. They have lost several, allowed others to expire, and ignored several. We have spoken with numerous supervisors that promise to help but afterwards we are never able to reach them again. People call us to tell us we are missing documents and when I tell them I resent said document they suddenly are able to find it. I have emailed XXXX XXXX ( she uploaded documents for me on XX/XX/XXXX ). I spoke on the phone with XXXX XXXX ( supervisor ) on XX/XX/XXXX and we emailed back and forth the things he said they still needed from me. I sent those forms to him on the XXXX. He promised to help, call me back, and respond to my emails, but I never heard back from him. On XX/XX/XXXX I emailed him requesting an update on the loan modification and I didn't get a response. On XX/XX/XXXX is when we spoke with XXXX XXXX and he told us " this will be the biggest headache of your lives and at the end of the day they are still going to take your house ''. Nonetheless, we continued to send forms in and I tried to reach out to XXXX XXXX again and to XXXX XXXX ( my personal loan specialist ). XX/XX/XXXX I spoke to XXXX XXXX ( another supervisor that promised to help but didn't ) and I emailed her forms to upload. I had to email to request uploads because their website can't upload documents that are " too large '' .On XX/XX/XXXX I spoke to and emailed documents to XXXX XXXX ( another supervisor that didn't help ). I was sent a response email stating to call Mr. Cooper for any questions or concerns. I emailed forms to XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. This is not counting the forms I was able to upload myself via their website. This company is so disorganized. They are liars and scammers and they play with peoples emotions hoping that we will get tired and give up. We have been trying for months to resolve this issue and they are not doing their part. In the meantime my account if accumulating outrageous late fees and penalties and this is destroying my credit. We have since gotten new tenants and they are harassing them with visits and mail about foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a secured credit card with TD bank about 2 years ago after having our bankruptcy XXXX the previous year. My husband and I were told that it would take about XXXX months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been about 2 years and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. My credit score is in XXXX range.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TN
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:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
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 XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TN
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:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXXXXXX 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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1600.00} XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00}

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 2022-11-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a dispute letter to Experian about unauthorized inquiries made to my credit file. It is now XX/XX/2020 and I have not received any dispute investigation results from this company.

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