BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX  XXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT 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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}

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 2022-07-09
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I've sent numerous letters to remove personal information that i don't want on my consumer report. In accordance with the Fair Credit Reporting act 15 USC 1681. Experian has violated my federally protected consumer rights to privacy and confidentiality. Also According to the 15 U.S.C 6802. No financial institution is suppose to share my information to third party people. 

This address does not belong on my consumer report, XXXX XXXX XXXX XXXX NY, XXXX, Address ID # XXXX These names does not belong on my consumer report, XXXX XXXX  XXXX XXXX ID # XXXX and XXXX XXXX XXXX ID # XXXX These are clear violations of my federally protected consumer rights.

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 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My daughter purchased a vehicle 6 years ago, which I helped co-sign. This was thru XXXX XXXX. About 11 months ago my daughter refinanced the loan with Capital One. The keyword being re-financed. I did not co-sign on this particular refinance, They even called me and asked if I wanted to be kept on the loan ... I said no, and they said I didn't have to be on the loan ... .she was doing this on her own. Well it has now come to my attention that they DO IN FACT have me as a co-borrower ... .I have signed nothing. They have fraudulently listed me on my daughters vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
portfolio recovery associates. I have told them to stop calling on a debt that should have been taken care of by the credit card. this debt is over 10yrs old if the credit card insurance didn't pay the card off that is the credit cards problem that is the reason i paid monthly charges for the insurance. I have repeatedly told them this and have told them to stop calling me. they continue to call me from different numbers then hang up on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

1

5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2019-02-13
Company: LEXISNEXIS
State: GA
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: Public record information inaccurate

Complaint:
I am in the process of purchasing a home. I received my report from the lender and a company called Lexis Nexis Risk Solutions Bureau is reporting an unknown tax lien to my profile. I have never had problems with my taxes whatsoever. I have not been notified by anyone however they put this account in my profile. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I own a small business, and we were using XXXX XXXX XXXX XXXX XXXX for processing credit cards. Last year, we closed the business and cancelled their services. However, despite this cancellation and no transactions being processed, they have continued to charge us merchant fees every single month, totaling hundreds of dollars. We have called repeatedly to cancel and be refunded, and it just never happens. They will take our complaints, claim that they are cancelling the account and submitting our reimbursement request, and then nothing happens. Sometimes we get an email confirmation of the interaction, sometimes we don't. Most recently they have at least created a paper trail for which we have case reference numbers, but we're still getting charged. They've of course conveniently forgotten that we have been trying to cancel since XXXX of 2021. I have heard similar stories from other business owners. They are defrauding customers and just make it impossible to cancel. I don't want to have to close my bank account to stop the charges, but it seems this may be my only resort. And, I want to be refunded the $ XXXX taken over the last months. Our point-of-sale system has even cut ties with them because of the number of businesses having trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not consent, benefit from nor authorize any of the following accounts/Inquiries : Accounts : XXXX XXXX XXXX  Account # XXXX Date Opened- XXXX XXXX, XXXX Amount- {$2800.00} XXXX XXXX XXXX- Account # XXXX Date Opened- XX/XX/XXXX, XXXX Amount {$500.00} Inquiries : 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 XXXXXX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This account was advertised to receive a {$500.00} bonus if direct deposits were made into the account. I have called 4 times regarding this issue, every time the bank has aknowledged that I met the terms of the promotion. Twice they opened a " investigation '' and each time they keep telling me to wait for the bonus to post to my account. Its been 5 months and nothing has happened, and they keep closing the case. Bonus was supposed to post within 60 days according to the terms of the agreement.

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 2023-03-30
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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
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 explanation
Consumer complaint received 2022-07-09
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau Office of Innovation - Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX Washington XXXX DC XXXX U.S. Department of Justice Internal Revenue Service Bankruptcy Specialist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Washington, DC XXXX To : Consumer Financial Protection Bureau Re : US Bank - complaints on file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Marked as a duplicate complaint on XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed Marked as a duplicate complaint XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX Company response is in progress as of XX/XX/XXXX in relation to CFPB 's personal own statement that " Each week we send more than XXXX complaints about financial products anld services to companies for response. If another agency would be better able to assist, we'll send it to them and let you know. Most companies respond within 15 days. '' and the details listed below. 


Dear CFPB, on XX/XX/XXXX, a US Bank National Representative, on behalf of US Bank National Association, filed into the public records of XXXX XXXX XXXX XXXX XXXX, a list of their own Corporate Representatives, who have personal knowledge of all matters pertaining to me and any business relationship/interactions occurring between me and US Bank National from XXXX to the present date. 

The first complaint submitted to the CFPB regarding US Bank National was on XX/XX/XXXX and submitted thereafter, CAN be responded to within the 15 days alloted by the CFPB and the Bank does not require more time, as they have indicated in a response to the XX/XX/XXXX complaint. 

On XX/XX/XXXX, each individual listed below was personally named as a witness in an action filed against me by US BANK National, and each individual should be contacted directly to respond to all complaints that I have filed with the CFPB sent to US Bank National and are still awaiting their response.

US Bank National described these individuals witnesses as its own : " Corporate Representatives '' - see the attached Court Filing # XXXX E-Filed XX/XX/XXXX XXXX XXXX, who are individuals that are willing to and will testify as to authenticity of documents, the boarding process of business records, and that the records are kept in the course of regularly conducted business. These Corporate Representatives of US BANK NATIONAL have stated that they can also testify as to the fact that a default occurred and the amounts are due and owing. These corporate representatives of US BANK NATIONAL are listed as follows : 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 explanation
Consumer complaint received 2023-03-29
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:
While I was XXXX  some one applied for multiple things in my name using the address XXXX XXXX XXXX XXXX ny XXXX, XXXX XXXX, XXXX XXXX are the last items left as well as the address XXXX is reporting inaccurate information to Experian, they removed it and then it came back, XXXX XXXX is report inaccurate information to XXXX. The accounts was open fraudulently I have provided all the infomation needed, police report, identity, l theft report, drivers license, birth certificate etc I would like these accounts and address removed 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 explanation
Consumer complaint received 2020-12-01
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried to settle this debt. I had a house fire in XXXX the same year. They refused to accept the offer. This was with XXXX XXXX before collections. Then they closed it out, and it was listed as a charge-off I believe. Then, I started getting calling early morning before XXXX XX/XX/XXXX and even night after XXXX and " All '' throughout the day by the collection agency about taking my property. I was having my house rebuilt, having problems with the contractors during this same time. So, I couldn't handle the stress. I have a XX/XX/XXXXwhich caused me to be determined XXXX following a car accident. I was in aXX/XX/XXXXrequired round the clock care for several years as well. Because, I was thinking aboutXX/XX/XXXXbecause everything was so crazy, I went to see a therapist. After which, I retained an XXXX XXXX in XXXX Michigan to handle and make arrangements. The arrangement was XXXX dollars each month. I missed 1 or 2 payments, but i contacted the collection agency prior to that I was having problems with payments. My house isn't finished yet, so I had to rent an apartment. I just moved into my home since the fire in middle of XX/XX/XXXX. I informed all parties of my situation. The collection company sent me a certified letter on XXXX at my P.O. Box that the collection agency placed a lien on the property. I never, received the notice that they were going into court to place a lien on the property. XXXX XX/XX/XXXX. On the court filing document It had my name and P.O. Box which I've had for years address. Yet, they certified me a copy of the lien, but FAILED to sent me a certified copy of the court filing. When I called them they said they couldn't talk to me only my attorney. The debt was for XXXX in the beginning or a little less. Now it's over 7,000. Finally we ar in a PANDEMIC every business, courts, daily routine life was interrupted due to the virus. I believe they intentionally didn't send me a notice, because they knew courts were closed to the public. Courts are still closed to the public currently due to the rise in deaths, and the Governor of Michigan closed Michigan back down for 3 weeks, almost XX/XX/XXXX, it might get lifted. They filed this in XXXX there was no reason good cause that ( I ) didn't receive notice. They had my address it's on the filing form. I would've addressed if I had been properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2023-03-30
Company: EQUIFAX, INC.
State: SC
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/2021, there was an inquiry generated on my credit report titled " XXXX XXXX XXXX XXXX  XXXX ''. This inquiry was not authorized by me nor do I have an account with this company. I have attached my cover letter along with my FTC report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation