BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX 's, XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.

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 2023-11-30
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has been reporting incorrect information on my credit report, this account has been paid since XXXX, but they just reported the highest delinquency date as XXXX. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I would like to file criminal charges against the people who answers the phone for the claims department for bank of America and only them. They are the ones who's committed felonys on millions of people account. They are lieing and cheating me out y money. There latest is taking pictures of me at there bank getting money from another bank and using them on my 3 year claim and two year claim. I was told on XX/XX/2021 they had a picture of me at there bank and at that time my account was frozen and I had no card. I have the proof from EDD the day that they froze my account and it was frozen for 11 months because EDD start sending me checks at the time when they reopen my account Bank of America still had it closed so EDD started sending me checks. I have check subs from EDD. This back has 9 felony 's on my account alone and I sent Cfpb the proof of tat and you are still getting this there claims department get away with t and I would like to now why? This bank is not doing nothing they soppose to be doing that was order in there injunction by judge XXXX in XXXX XXXX and I would like to file criminal charges against only the claims department there names and addresses to send them subpoenas for court. I was informed by Bank of America that they don't have to give us their names or nothing to be suspended for court so since you're the customer financing protection bill that they pretended to be at one point can you please get their names and addresses so I can send them subpoenas for court 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 monetary relief
Consumer complaint received 2023-12-12
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: Account status incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-09-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures

Complaint:
North Carolina deed of relief by and between XXXX XXXX  note Holder. Who only released the property to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 2023-12-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
PayPal has permanently limited my business account under the email XXXX and tells me they can not discuss the reason because it would interfere with their security systems, and as a result, I am unable to access the funds in my balance. 

As per my account records, there is a balance of {$940.00} within my PayPal account. However, despite multiple reminders and attempts to rectify this issue, PayPal has withheld my funds and imposed a 180-day hold period, during which I am unable to transfer or withdraw the funds.

While I understand that certain measures may be taken to ensure account security and adherence to company policies, I have broken XXXX policies, XXXX terms and conditions and this decision has caused significant financial hardship for me. I have made every effort to resolve this matter amicably, but it is clear that further action must be taken to ensure a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: R & B Corporation of Virginia
State: CT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a third party debt collector who purchased the debt. and has been attempting to collect claiming to be acting on the behalf of the other company who sold the debt after their insurance paid the debt, and i explained to the previous company that my identity was used without my knowledge. and further i asked this company to produce a contract where i personally agreed to do business or contract with them. and they have not done so, also according to the truth in lending act they have to have an agreement in order to collect on a debt they can't simply purchase my information and then force me to pay it furthermore the original creditor was compensated through their bonded insurance and now they are profiting again by selling my information which constitutes identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-10-04
Company: EQUIFAX, INC.
State: VA
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 my multiple 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, VA XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. I filed the correct paperwork according to the FCRA and attached it to my disputes. The credit agencies are not processing my disputes correctly and not sending me copies of the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items should be removed immediately that came in alleged fraud. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX and I am submitting this complaint with the help of the Consumer Financial Protection Bureau to dispute the erroneous account reporting on my Credit File. I was told to pay the balance of the account : XXXX XXXX XXXX with an account number : XXXX to have this account settled. However, I was baffled to see this account reporting as a negative account upon receiving a copy of my updated Credit Report. The Company promised me to have this account removed if I paid it, and I did so. This account was already paid, giving no rights to be reporting on my Credit File. In accordance with the Fair Credit Reporting Act, I am requesting that this accounts be completely removed from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: LA
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-12
Company: DISCOVER BANK
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Credit Card Company name Discover Card Service continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for Discover Card Service XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

Discover Card Service and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, Discover Card XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

Discover has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's System. 

They are in clear violation of the Federal Debt Collection Act under section See 28 U.S. Code Chapter 176, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$520.00}.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-12-12
Company: Experian Information Solutions Inc.
State: LA
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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