BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-21
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON  XXXX   XXXX ,  2017 I pulle d my CR from all  XXXX  major bureaus (  XXXX ,  XXXX ,  XXXX   ) and  noticed that a ERC  ( Enhanced Recovery Corp, LLC ) was listed on my CR as a debt collection and   that it was established in  XXXX   2017. I h ave never had any accounts with " ERC '' and have signed in to no binding documents or contracts with ERC or any of it 's affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NV
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 discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in Identity IQ. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-03-30
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is reporting incorrect information on my XXXX XXXX XXXXXXXX card. They are reporting the first delinquency is XX/XX/XXXX. I filed a dispute in XX/XX/XXXX, they claim they verified it is accurate. However, XXXX removed the account from their report because the beginning of the delinquency was over XXXX years old XXXX beyond the statute of limitations. XXXX verified the account with XXXX  XXXX XXXX and the first date of delinquency was in XXXX according to their review. I believe Experian and XXXX XXXX XXXX are intentionally misreporting my credit and refusal to correct it is XXXX  due to my age, race and gender.

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 2016-10-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recieved credit alert from transunion and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and 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 2015-05-01
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I need your help because I understand I have been a scam victim of sales outboard XXXX XXXX with a bank account in the XXXX XXXX at XXXX, XXXX. On XXXX/XXXX/2015 I made a money transfer to XXXX XXXX head office location XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX related to a purchase of XXXX engineer to sales outboard XXXX XXXX. This purchase has not been received by today. This purchase was performed with all customs fee included. However, new fees for the custom were requested per vendor due to change of XXXX custom policies. These fees were pay with the warranty that if extra fees were requested, my money will be return with 48 hours. The new fees were requested, and then I requested my money back. I understand I am a victim of scam. My bank contacted the XXXX XXXX in order to reclaim my money {$8200.00} XXXX. The response per my bank was that the XXXX can not return the money back because their was not money it the vendors account. I have all the evidence of emails between me and the vendor with the warranty of get my money back. In addition I paid {$1900.00} US to XXXX customs through moneygrams transactions, I have evidence of all the payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.

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 2015-08-12
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SLS continues to request the same documents over and over again, even though they tell me over the phone they have them in their system. They have XXXX copies now of the complete short sale package. My property is in foreclosure and we have an active buyer that is ready to move on now. I feel SLS is not handling this manor in a professional way. They have called me names over the phone, asked me if I work at XXXX XXXX, while thinking they had the phone on mute. I have requested to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EXACTLY, how did these lazy derelicts at transunionXXXX and XXXX, verify anything?! # Transunion made a inapt frivolous attempt. WHERE IS MY COPY OF THIS ARTIFICE USED BY THESE PHONY LYING THIEVES AT XXXX?! # Incredible stupidity, lying their XXXX off, amazing how I can NOT find any phony bill that says I owe {$320.00}. These incompetent derelicts lied and/or claimed they made their own whimsical inapt investigation?! # OF WHAT?! # How did you investigate positive fraud __artifice___ ( malice ) and deceit?! # XXXX 's decrepit reputation for being ( worst ) lying thieves from the other XXXX phone providers. PLUS, these corporate XXXXbirds have a current FALSE ADVERTISEMENT ON-GOING NATIONAL TELEVISION!!!!!!!!

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 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
As you can over look attached Doc. XXXX collection was reporting on my Credit Report reference to XXXX XXXX Account. 
it was reported by XXXX after disputing with Agency I submitted letter to transunion .. 
Transunion refuse to remove negative account from my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It raises XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00}. Please delete these fraudulent accounts ASAP.

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 2017-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I first applied for my free reports in XXXX XXXX through the govt website and was denied by the credit bureau. Trans Union stated that my information was inadequate and illegible. I thought your website was better than that and I 've filled out many on line forms for govt use and have never heard this excuse before. I have heard from attorney seminars that this is a common practice designed to obtain information to build their files so they can unfairly profit from others. They requested that I send them certain information so they can find my file ( my file has been on file since the early XXXX 's ) so I did and they have now replied that it is unacceptable. I have resent the same information again, 3rd time but I do n't expect my reports. Trans Union knows that I am permanently XXXX and unable to work. I rent a small room in a house and utilities are provided for me, I can not drive, I can not work and the bureau knows these things therefore requesting that I provide documents that I am unable to obtain. Furthermore, they are reporting incorrect and derogatory information about me that is preventing me from obtaining much needed specialized living accomodations. Can you help me get a report from them so I can see what erroneous information they have and are profiting from while damaging my good name. If I ca n't get adequate living accomodations I will be homeless. The place I 'm at now has mold and is being torn down soon. 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 non-monetary relief
Consumer complaint received 2023-03-30
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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

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 2023-03-30
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}

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 2021-11-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in XXXX. I have been able to clear some of these thus far and have placed a freeze my credit. I have never lived in XXXX ( have resided in XXXX  since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. 

XXXX XXXX XXXX XXXX {$660.00} ( reported as theft/filed dispute ) XX/XX/XXXX, XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX as theft/filed dispute ) I was made aware of both of these fraudulent accounts via debt XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2021-06-03
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Wednesday XX/XX/2021 I was given a job offer for XXXX in XXXX XXXX XXXX, MN. The job offer ended up being a fake job and the scammers are using the identity of a man named XXXX XXXX. The scammers sent me a check for {$6500.00}. I was to deposit that money into my bank account, which I did on Thursday XX/XX/XXXX, and pay a third party for the equipment to do the job, which I did on Friday XX/XX/XXXX. I was told to pay the amount of {$6000.00} into an account for the computer equipment and to XXXX {$550.00} into a separate account for training. The original check for {$6500.00} ended up bouncing and upon discussing the situation with members at the XXXX bank in XXXX XXXX XXXX and the US Bank in XXXX XXXX XXXX we believe that this was a fake job scam. 

The account that I deposited the {$6000.00} into was an account with XXXX bank belonging to a XXXX XXXX. Account number XXXX. The XXXX account belonged to an XXXX XXXX. His account number is XXXX. I am unsure which bank this account is associated with but I believe that it is US Bank. Both of these counts belong to scammers and the reason why I am writing this complaint is to have these accounts looked into. I have filed a report with my the XXXX XXXX XXXX police department. The case number is XXXX. I also filed a report on the scammers with the FTC. I was told that filing a report with the CFPB would also be a necessary step since this is a banking issue. 

I have spoken with US Bank several times regarding this issue as well as XXXX bank. 

I have included the bank statement with the dates and transaction orders below. I have also included a picture of the fraudulent check as well as pictures of the cashiers check receipt and the money order receipts.

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