BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
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 disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

XXXX shows 60 days late no 30 day late, also shows co, co, co, OKXXXX XXXX also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made XXXX shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co XXXX also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute Transunion has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute

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 2023-11-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX with a dispute for consumer reporting agencies- XXXX, Equifax & XXXX. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute a false account that appears on my credit report, which is a result of identity theft. The account is listed under [ SYNCB/PPC ] and is reported on my credit file twice as closed due to inactive use. 

Upon reviewing my credit report, I have noticed this account, and I assert that I did not open or authorize this account which I communicated with the creditor and they didnt find my name or social under any account associated with them. I have tried numerous of times to resolve this issue and I suspect fraudulent activity. 

I request a thorough investigation into the origin and accuracy of this account. Please provide the following information : 1. Verification of the debt and documentation proving its legitimacy.

2. Any supporting documents or agreements related to the account.

3. Details of the individual ( s ) responsible for opening this account, if available.

I have taken immediate steps to protect my identity, including contacting the creditor and filing a police report. I demand that you correct this error promptly and remove this fraudulent account from my credit report.

I request a written response within 30 days from the receipt of this letter, confirming the removal of the disputed account and any related negative marks from my credit report.

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 2023-08-14
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, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

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

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX  XXXX Credit Card XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX  Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX  Credit Card XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} Inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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:
In XXXX of last year an account was opened in my name for a credit card with a limit of over XXXX  USD and was maxed out instantly using incorrect personal information. When i contacted the credit company they had incorrect phone number and address on file for this fraudulent account proving it was made by someone else. This was 100 % fraud. Late payments started showing up on my credit report damaging my score. The account was closed and then reopened when i attempted to rectify the issue with the credit company. I have tried several times to receive help from the company but they have done everything to ignore my issue and continue to claim the account is mine while sending late payment notices every month. I hired a credit repair company to investigate the matter but were only able to remove one item from my credit report. They were able to prove the account is fraud but for some reason they couldn't get the major credit companies to go further into removing more than the one item from my credit report.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2013, XXXX the balanced of {$2300.00} the original creditor is XXXX XXXX XXXX, I took a look at my credit report and noticed inaccuracies on my credit report.I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also stated to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation.I also stated to please mail me the proof of your investigation and proof that this debt or deleted account within 30 days.

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 2022-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I trie to reach the bank many times to open a dispute and was impossible, I submited a claim trough CFBP on XX/XX/XXXX under this number XXXX The the bank reached me long time after saying they cant open a XXXX due the long time. 
Need to insist in the XXXX request because is the bank fault that nobody takes cares about this. Also I tried to call again last week and that department doesnt have direct line, so need to request a call back but im not in XXXX XXXXXXXX so they cant reach me in an XXXX  phone number. 
The bank put a lot of difficulties to process a claim...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I bought a netspend prepaid rechargeable card so my relatinves could spend on the XXXX XXXX on a XXXX of XXXX weekend. Following advice at the local representatives in the XXXX, Florida - XXXX location paid in cash. 

After being denied activation of the card as my relative was not American I did the activation, however, they still denied both the activation, use of funds or refund the resources paid for said card. ( photos of said card attached ) I have spent a total of 4 hours over the last month talking to Netspend representatives ( phone records attached ), I call once a week, I pass the tests, and the security questions, and give them my SSN, but still, they refuse to send me my money back. They update my address telling me to wait a week for a letter- which never arrives. 

They refuse to give me any kind of case or phone call record and they also refuse to give me the funds back in any other way. As more weeks pass I know I will be reaching the max limit for non-used account cancellation. This shows the bad faith of this company first non disclosing they will not activate the accounts for anyone and second refusing to return the funds they have under my name.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-02
Company: Regional Management Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Regional Finance contacted an unknown law firm / person on XX/XX/2022 which contacted me asking me to have Regional Finance stop calling them attempting to collect my debt. They contacted this person and then gave them my contact details in order for them to stop calling not only this person but for me to get in touch with them as well. 

They effectively were using strangers to collect on this unknown debt. 

I found out that this is some kind of mailed check. They forced me to make a payment or they were going to report me 30 days late. They also had the unknown third party " law firm '' contact XXXX XXXX who alleges I owe them money and have been working with this person as well, we share similar first names apparently? 

I'm very upset that they gave my phone number to random people they were calling and I received phone calls about some debt that I don't even really know about and they won't accept any dispute without a police report which is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
THESE INQUIRIES IS INCORRECT XXXX XXXX DEPT OF ED XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
To whom it may concern, I am writing to dispute information on my credit file. I have noticed there are unauthorized credit inquiries made by these companies listed above. To my knowledge, I have not signed documents authorizing these companies to view my credit report. These inquiries was made without authorization and for no legitimate reason. I never authorized such action and this constitue 's a violation of my right to privacy under the FCRA 604 as well as a violation of my right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( Chapter XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXXXXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
- First, please refer to Case Number : XXXX for further information of the case. In other words, due to my XXXX & XXXX episodes, my wife, XXXX XXXX, did act on my behalf. 
- Second, WellsFargo via both CFPB & U. S. Postal Mail sent my wife a Response Letter ( see the attached ) in which it asked me, the direct victim, to contact XXXX XXXX directly. 
- Third, I personally contacted XXXX XXXX directly three ( 3 ) times, but she did not respond or even returned my call. The details of the three direct calls as follows : * Attempt 1 on XX/XX/2022 at XXXX via XXXX with Representative XXXX in which I was told XXXX XXXX would give me a call back to my cell phone ( XXXX ) as my matter was high up and extremely confidential. Unfortunately, it was a liar. 

* Attempt 2 on XX/XX/2022 at XXXX via XXXX with Representative XXXX XXXX XXXX said due to the matter is in the Executive Office, she could not know the solution and could not contact XXXX XXXX after XXXX minutes attempt to connect with her. XXXX then suggested me to call XXXX. I did and got connect with Representative XXXX. Again, XXXX said she did not have access to the case so she could not reveal the resolution. XXXX then asked me to wait so she could contact XXXX XXXX directly, but the attempt was unsuccessful while I was waiting on the phone. XXXX recorded the notes and the conversation and told me XXXX XXXX would give me a call back on XX/XX/2022 from XXXX onward. I waited for the return call from XXXX XXXX, but again, it was a liar. 

* Attempt 3 on XX/XX/2022 at XXXX via XXXX with Representative XXXX. XXXX did what XXXX, XXXX, and XXXX did : taking notes, recording the conversation, and connecting with XXXX XXXX as the latter was the handler of this case. After 45 minutes of waiting, I did hang up the call as I was too exhausted. 

Please tell me who did show the goodwill and patience to want the issue gets solved? Obviously, not WellsFargo as they have deliberately tried to withhold the information to cover up for their discrimination act against am XXXX & XXXX era of permanently and totally ( XXXX XXXX XXXX ) XXXX XXXX XXXX veteran and also a minority. 

What can I still do?

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