BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ( {$6200.00} ) XXXX XXXX  : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have 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 an 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 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 non-monetary relief
Consumer complaint received 2022-07-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a checking account with TD bank that is not me. I received a notice of my checking account in the mail from them. I contacted TD bank today ( XX/XX/22 ) and they said they would initiate an investigation. There is XXXX dollars in the account but I am guessing there is more to the story. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: MO
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:
Again, I was a victim of identity theft and this my third request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Under the FCRA section 605b I need the following items deleted from my Credit Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is to notify the Credit Bureaus if they do not REMOVE the listed accounts and information on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I attempted to purchase a rower ( workout equipment ). While checking out the website appeared to have been hacked/fake. I called my credit card company immediately and reported the fraud activity. I told them that they should not pay that vendor/amount if it goes through. They decided to let the charge post, so I had to call back and dispute the charge a second time. On my third attempt at a dispute they told me that the vendor confirmed sending me a hot tub and there was nothing they could do about it. At this time I did get more information from Capital One as was able to do my own investigation. This scam is way bigger then me. I did not receive the item I ordered ( the rower ) or the hot tub they claimed I got but I did receive a fork and a spoon from XXXX, company XXXX, an underwear factory located on the first floor ( same company you see all over the news sending people seeds ). I submitted a 9 page report explaining everything including other claims from other consumers. I can not speak to anyone who can help me within Capital One and the merchant does not exist for me to contact directly. It is now XX/XX/2020 and I am still fighting this {$110.00} dollar charge. I urge everyone to not use Capital One they do not care about their customers safety, financial well being or their experience with Capital One. I really hope the CFPB can help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 2023-08-22
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX 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 2017-09-25
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Grant weber will not verify by sending me a copy of my California ID since they are stating these are medical bills. They reported on my credit report couple years back that they are charge offs when I asked for identification. Now they are back on my credit report showing open. Still will not provide proper identification that they have authorization that it is me and they can try to collect after reporting charge off.

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 2020-08-18
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:
I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity/Wayfair XXXX XXXX - This company ( Comenity ) increased my credit limit at my request. I began to order more items from Wayfair because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. Wayfair nor Comenity were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. Comenity finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at Comenity ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ 1,500+ because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: ENCORE CAPITAL GROUP 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:
After reviewing my credit report I have noticed several accounts that do not belong to me. I ask that these be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please be advised this is my FOURTH WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Account Name XXXX XXXX XXXX XXXX. Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA XXXX On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. * Please remove all non-account holding inquiries over 30 days old. Thank You, 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 2022-07-29
Company: EQUIFAX, INC.
State: VA
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:
On Saturday, XX/XX/2022, I received an email alert from XXXX that a new account had been detected by Equifax on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX  " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the XXXX time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home loan was sold to Wells Fargo. For the past couple of years Wells Fargo sends us notices that we need to provide them documentation for Hazard Insurance or they will purchase this and charge us for it. We have long used XXXX insurance. 

Our concerns are : 1 ). Wells Fargo uses the term " Hazard Insurance '' instead of " Homeowner insurance ''.

2 ). Wells Fargo provides a phone number - " If you have any questions, please contact us at XXXX '' however this number only has programmed information and as far as I could tell no access to ask a persons questions like : * Does hazard insurance mean homeowners insurance? 
* Do you need the entire policy or just a 'proof of insurance '? 
* Do you know when your web site will be working again so I can upload the information? 
* What is the timeline before you purchase insurance and try to make me pay for it? 
* Your letter states " we tried to get the new policy information form your insurance provider but haven't received it yet '' - what actions did you take and how can we fix this so we don't have to do this every year? 
3 ). Wells Fargo provided four options for providing insurance information : a ) Mail it to an address- but there is no indication of when this needs to be received and processed. 
b ) Fax a copy to a number provided- I don't have a fax, so this was not tried. 
c ) Go to a website www.mycoverageinfo.com/wellsfargo - however over several days - XX/XX/XXXX and XXXX, XXXX- this wasn't working " Upload Temporarily Unavailable - We are experiencing a technical issue and this feature is currently unavailable at this time. Please try again later ''. 
d ) Email you policy to XXXX. This ended up working for us after several days. 

Wells Fargo makes it difficult to demonstrate that one CONTINUES to carry home owners insurance.

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 2022-12-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts or inquiries, nor do I recognize any addresses listed in this report. Please remove them immediately.

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 2022-12-05
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
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 am allowed under the HIPAA Law ( Health Insurance portability and accountability Act of 1996 ) to protect my privacy and medical bills from third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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