BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I was going over my credit report and noticed 4 unauthorized inquiries on my Experian, and XXXX  credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with 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 2022-06-13
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:
I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Experian. I told Experian to remove XXXX fraudulent accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking number : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts

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 2019-07-06
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo lied about permitting international wire transfers -- the account would need to be open for 6 months so that is worthless in my situation. 

In addition, Wells Fargo illegally reopened an account I closed due to fraud years ago, without providing me with any of it's former information, taking {$500.00} of my XXXX income to fund it, and having the gall to attach a hacked old XXXX account to it that I have not been able to access for years. 

A lying XXXX I recorded named XXXX XXXX even had the nerve to claim the money would be refunded and account closed -- while refusing to provide any confirmation of such action. 

Her colleague confirmed during my next call that she was lying and claimed they need to " investigate my allegations that they reopened an account illegally when I applied for a new one, which could take 3 weeks ''. 

I have multiple recordings of their NEVERENDING XXXX during our last calls and need to the money immediately refunded electronically and account closed due to the initial fraud.

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 2022-06-13
Company: EQUIFAX, INC.
State: NC
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:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # 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. 

Account Numbers XXXX XXXX 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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}

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 2017-06-27
Company: LendUS, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
You have already settled a case vs RPM mortgage. I got my mortgage through RPM in XXXX of 2012 but I never received a payout. I 'm thinking many people might have been left out of the settlement. I called the hotline and no one had a good answer as to why I would have been left out. My loan number was XXXX and it was issued through XXXX XXXX, a XXXX XXXX which I 'm sure is a common company RPM uses ... .it 's probably owned by RPM. I think you should dig a little deeper into RPM as I had big issues when they set the loan rate. When the ten year yield was falling and I called to finalize my loan rate they never answered the phone. They only answered when the 10 year stabilized and it was at a much higher level. I was livid ... I am not shocked that they got sued ... <P/>Thank you and have a nice day. <P/>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 2022-06-13
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial purchased our mortgage in XX/XX/XXXX. We learned about it from our previous mortgage company. I called BSI on XX/XX/XXXX to get information to make our payment, and was told the loan wasn't set up yet and to call back in 5 days. I called in XX/XX/XXXX, and was told they had no information about our mortgage and to call back. I called again on XX/XX/XXXX, and received the same call back request. I called a 4th time on XX/XX/XXXX and got to loan number and information on how to set up an account online. I thought everything was set after that, but we received a notice in XX/XX/XXXX that BSI didn't show we're had homeowners insurance. I called and gave them the policy information, and they indicated they'd pay it. We received a letter from our insurance company in XX/XX/XXXX that our insurance hasn't been paid. I called BSI again on XX/XX/XXXX, and they started they had no record of me calling in XXXX or that we had insurance. I have them the information again, including the insurance company name and phone number as well as the policy number. They said it would be paid the following business day. I just received another letter dated XX/XX/XXXX from BSI stating we don't have homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: American Credit Acceptance, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for American credit ACCE. The other was XXXX XXXX. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Checkr, 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX just got a background check from Checkr Background Service on me. On page 3, in my motor vehicle report under Suspensions, there is an incorrect XXXX. Serious Commercial Disqualification item dated XX/XX/XXXX ; 2018 : listed from XX/XX/2018 through XX/XX/2018. This information is incorrect and Im requesting it be removed from my record. My phone number is XXXX. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX M SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX To Whom It XXXX Concern, In response to CFPB complaint ID number : XXXX Your company have violated the provisions of section XXXX, XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a XXXX report is being used to obtain blockage, not contest the accuracy of its XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section XXXX ( a ) ( XXXX ) ( A ), you must not allowed the furnisher XXXX not continue to report that information to any CRA. FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX XXXX XXXX a ) ( XXXX ) ( A ). Second, under FCRA section XXXX XXXX f ), it XXXX not sell or transfer that debt to anyone else who would try to collect it. FCRA XXXX XXXX f ), XXXX U.S.C. XXXX ( f ) .As required by section XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a copy of which is enclosed, I am requesting that the item XXXX XXXX ) be removed XXXX or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( XXXX ) ] and [ delete or correct ] the disputed item ( XXXX ) as soon as possible FOLLOWIN ITEMS : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$620.00} Thank you. 

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 made a reservation for a hotel room in XX/XX/2021 on XXXX. Once I got to the hotel room, I realized the room was completely different from the images the merchant posted on XXXX There was stains all over the sheets, walls, and towels. There was grease on the furniture and the room had clearly not been cleaned. I went to the front desk and I addressed the issue, I was given another room that was equally dirty. I went to the front desk to ask for a refund and leave. The front desk person insulted me and told me to leave even though I hadn't gotten a refund. I called XXXX from the lobby, while I was on the phone with them, they tried to reach out to the hotel several times but the front desk person knowing that they would call decided not to answer. XXXX opened an investigation and I asked Bank of America to get my money back. Bank of America asked me at several occasions to submit via fax ( the only way you can submit documents ) images from the stains in the room, along with receipts of the hotel I ended up spending the night at and the phone records showing I contacted XXXX After receiving my documents, they closed the claim in favor of the merchant because the merchant claimed I spent the night there which is not true, I gave Bank of America proof that I did not stay there. I have been going back and forth with Bank of America who is giving me the run around at this point. I have tried to call XXXX  days this week and they keep giving me different phone numbers for different departments to call but they are not closing the 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 explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: FL
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  Account # XXXX XXXX XXXX and Account # XXXX XXXXXXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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:
In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is 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 2019-10-14
Company: EQUIFAX, INC.
State: IN
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:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX : I receive a call from XXXX. Caller leaves voicemail, identifies self as " XXXX XXXX '' calling about an " important business matter '' and states " we want assure that you are given a final opportunity to secure a statement here in your defense so that no decisions are made without your knowledge. '' She leaves call back number XXXX ext XXXX and ends call with " you've been notified and good luck ''. 

XXXX : my brother receive a call from the same woman at the same #, asking for me. She gives him my date of birth and tells him she is calling about an important legal matter and needs to get a statement from me before they reach out to my employers. 

At no point does she inform either of us she is trying to collect a debt and she misrepresented herself and the situation to be about a pending legal issue. I call the XXXX # and the automation says it is OFG LLC, a debt collection company. I believe this may be a scam, but either way, she used legalese and scare tactics to try and get me to call her.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today is XX/XX/XXXX. I had a XXXX credit card years ago and paid it off in XXXX of XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called Convergent, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA 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 2017-10-17
Company: WELLS FARGO & COMPANY
State: TX
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:
XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.

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