BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
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:
Im submitting this complaint to inform you again 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 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 2022-11-24
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had originally Disputed the debt with TDXXXX back in XXXX  stating that the account was not mine and was opened due to identity theft in which I believe my ex wife was involved. 
I filed a police report and sent to TDXXXX   along with XXXX, XXXX, XXXX. 

Each bureau removed this item from my credit profile due to identity theft. Upon talking with TDXXXX a representitive stated they would never let this debt go as they had my signature. 

After having to prove it was identity theft TDXXXX still continues to report the invalid debt descimating my credit score every few years. Hindering my chances at home ownership/vehicle purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this CFPB complaint regarding the continued reporting of the fraudulent items on my Credit Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these the Following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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:
This is XXXX XXXX and I am submitting this CFPB complaint regarding the continued reporting of the fraudulent items on my Credit Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these the Following items completely from my Credit File : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXXXXXX XXXXFederally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: CITIBANK, N.A.
State: TX
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:
CITIBANK HAS NOW MADE AN ETROR ON MY XXXX CREDIT REPORT. DUE TO THEIR NEGLIGENCE AND DISHONESTY, MY EXCELLENT, ALWAYS ON TIME PAYING ON 1ST OF EACH MONTH SINCE XXXX. I FILED A DISPUTE FOR IN TOWN SUITES AND THEY OPENED A CASE AND SENT ME A NEW CARD. THAT WAS THE WRONG THING TO DO BECAUSE IT WAS NOT A FRAUD CASE, IT WAS AN ITEM NOT AS DESCRIBED, DEFECTIVE BRECH OF CONTRACT WITH IN TOWN SUITES. SO NOW MY CARD WAS SENT TO MY XXXX XXXX ADDRESS, I AM NOT THERE I AM IN TX HELPING MY SISTER WITH STAGE XXXX XXXX XXXX. WE ARE STILL IN A PANDEMIC AS WELL. I CALL ON XX/XX/XXXX TO MAKE MY PAYMENT AND XXXX SAYS I CANT PAY DUE TO NEE CARD BEING SENT OUT. I TOLD HER TO MAKE A NOTATION ON MY ACCOUNT TO AVOID LATE FEES. 5 DAYS LATER I GET THREATENING EMAILS FROM CITI SAYING I NEED TO PAY MY BILL OR ELSE!!! I DONT HAVE THE NEW CARD AND WAS TRYING TO PAY BUT CANT WITHOUT THE LAST XXXX DIGITS OF THE REPLACEMENT CARD!!!! SO WHAT WAS I SUPPOSED TO DO??? I CALL CITI AND IT GOES STRAIGHT TO COLLECTIONS WHERE IM VERBALLY ACCOSTED BY XXXX. XXXX THREATENING ME AND TALLING DOWN TO ME LIKE THE SCUM OF THE EARTH HE IS. IM ASKING FOR A SUPERCISOR, AND HE SAYS " SO YOU DONT WANT TO PAY YOUR BILL?!!!! '' ARGUING WITH ME IM GLAD IT IS RECORDED YOU NEED TO LISTEN TO ALL PHONE CONVERSATIONS WITH CITI AND MYSELF. I CALL 5 TIMES BEING VERBALLY ASSAULTED BY CITI REPS AND FINALLY PAY {$100.00} SO I CAN STOP THE THREATENING FROM CITI. MY DISPUTE IS STILL NOT RESOLVED AND I STILL DONT HAVE MY REPLACEMENT CARD. NOW ON MY CRDIT REPORT IT DOESNT SAY EXCELLENT PAYS EVERY MONTH ON TIME AND IM.IN THE PROCESS OF BUYING A HOME. I WANT CITI TO GET SHUT DOWN WITH IN TOWN SUITES FOR TRYING TO RUIN MY LIFE IN RETALIATION FOR COMPLAINING!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Army and Air Force Exchange Service
State: OK
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:
I purchased a sofa using the XXXX XXXX XXXX website on XXXX XXXX XXXX When it arrived the sofa was destroyed and I immediately called to get it returned. They came to pick it up a few days later and confirmed it arrived back to them. It cost {$990.00} and the Reference # is XXXX XXXX I have been calling the Exchange and the Star Card customer support multiple times every month to get a refund. I hear the same thing every time and nothing is being resolved. They tell me that a department needs to sign a document to get the refund but they failed to do so and will get it done today. Then I should get the refund in 3-5 business days. After eight months and over fifty phone calls I still haven't received the money back.

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 2022-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : Account # XXXX US Department Of Education XXXX US Department Of Education XXXX XXXX XXXX US Department Of Education/XXXX XXXX XXXX US Department Of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
SO Basically I feel like I am being over charged for student loans I am a single mom of XXXX children I am struggling and these student loans are keeping me from doing anything productive for me and my family.I am currently still in school trying to pursue my career so I can live a better life for my children Its like every year it goes up tremedously I reached out to the lenders about this no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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, all 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2022-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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've recently checked my credit report and noticed that its accounts on my report that aren't mines and I'm overall new to credit and want a fresh start since these accounts aren't mines.

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 2022-06-22
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


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

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

Company 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 2022-06-06
Company: OneMain Finance Corporation
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:
I pulled may once a year free credit report and I see an inquiry that I am not familiar with. This inquiry is fraudulent and unauthorized and differently unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: CO
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:
The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.

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 2022-08-20
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required 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 non-monetary relief