BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TD BANK US HOLDING COMPANY
State: MI
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:
NORDSTROM/TD BANK USA is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy.

NORDSTROM/TD BANK USA shall remove this charge off from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
Despite the XXXX dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This in regard to Paypal. During the first week of XXXXXXXX XXXX I had some unauthorized transactions from my debit card in which I contacted my bank fraud dept about the incident however I did received a new card. I had to changed my accounts information on how I pay my bills and one them is PayPal, I logged into that and notice something wasn't right there was received payments from individuals and a business tied to my information. None of these are mine and never any of those funds and these happen on XXXXXXXX XXXX. I then contacted and spoke to a live rep with Paypal she said it look like someone in California use my account to change the information to " primary '', to scam and fraud. Selling fake goods and then using my PayPal account to collect their funds. Then these customers are looking at me ( a victim as well ) for their money back. PayPal did send 7 statement for each customer that they had figure out the problem. But, it still left a XXXX negative balance on my account because of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, The following accounts XXXX XXXX XXXX XXXX ; account # XXXXXXXX XXXX XXXX ; account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  ; account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : TOYOTA MOTOR CREDIT XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

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 convinctions 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

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 2022-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The amount SPS paid out in home insurance does not accurately reflect my policy documents and SPS WILL NOT EXPLAIN WHY SPS REFUSES TO UPDATE ESCROW DOCUMENTATION TO REFLECT TRUE POLICY AMOUNTS!!!! In addition, I was informed my account is on a Bankruptcy repayment plan. Why is it on one now and what is that?? I was never told about this. They Hijacked my credit reporting that i have not made any payments. I have made on time monthly payments. Why does my credit not reflect this?? I AM NOT IN BANKRUPTCY! 

I GET XX/XX/XXXX SPS paid XXXX {$3600.00} for policy effective XXXX. The policy was updated XX/XX/XXXX new amount {$2200.00} saving {$1400.00} SPS was notified, XXXX  returned {$1400.00}, I wrote Check # XXXX for {$1400.00} to SPS for ESCROW ONLY. All of this transpired prior to my first payment being due! 

Forward to XX/XX/XXXX and SPS paid {$2900.00} for Insurance. Updated policy effective XX/XX/XXXX was for {$2000.00} to all state saving {$920.00} INSURANCE & TAXES FOR XXXX TOTALED {$3300.00} NOT {$4800.00} INSURANCE & TAXES FOR XXXX TOTALED {$3200.00} NOT {$4100.00} I contacted SPS for 26 months and requested a new escrow analysis in XX/XX/XXXX to include the NEW INSURANCE PREMIUM!!!! SPS refused to update my insurance policy information and ran the Escrow analysis with the OLD/INCORRECT numbers! Therefore, it is unknown what the monthly payment should have been from the start. for unknown reasons and to this day they still REFUSE to update policy information! 

I am having a hard time understanding why SPS refuses to acknowledge the updated insurance premiums in XXXX and XXXX. If the policy information was updated reflecting the TRUE policy amounts there would not be an ESCROW shortage! 

The Enclosed documents sum everything up!!!! THE POLICY INFORMATION WAS NEVER UPDATED!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX BANK XXXX Balance : {$2700.00} ; XXXX BANK XXXXBalance XXXX {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Certified Bureau of the South, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I have been a victim of identity theft and I attempted to dispute this information with the  XXXX  credit bureau. The items I have disputed do not relate to any transactions that I made or authorized. Pursuant of the FCRA and the FDCPA, I now exercise my lawful right to question the validity of these debts your agency claims I owe. I understand the collection agency is suppose to suspend all collection activity until they provide me with some info abut this debt. Through my dispute with   XXXX   they claimed this account was proven as valid and remain on my credit report without providing me with any information about the debt such as an original bill or something with my unique signature on it. I dont believe   XXXX   is truly investigating these disputes and are playing with consumers ability to obtain credit. I am just now realizing the importance of credit which is why I am just now going over my credit report and for these companies to play with consumers livelihood like they are doing is just not right. The information that I am concerned about is as follows ; Collection agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX    XXXX   XXXX   Opened :  XXXX   XXXX ,   XXXX   Balance : {$230.00} Collection Agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  e Opened :  XXXX   XXXX ,   XXXX   Balance : {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one has illegally & inaccurately reported late payments on my credit. 
Dates from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 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 2022-08-01
Company: South River Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a reverse mortgage told I'd been approved then told on XXXX that the man who was handling it was sending out by XXXX questions they had overnight. On the XXXX I told him nothing came. He told me he had a tracking number. I ask for the number. For seven days I tried to contact him. On the XXXX day I called the company to find out why I had not heard from him, found out he was out of town. Called back after I hung up to speak to his supervisor but was not given to his supervisor. He came back on the XXXX told me he would send another on, gave me a tracking number. Today is the XXXX. I still have recieved nothing XXXX tracking says they have no such tracking number like the one he gave me. I am tired of being lied too while the interest rate goes up. I changed XXXX XXXX co. After being treated the same way by the first one. I am a single  XXXX female and I don't know what to do. Counseling and appraisal are only good for 6mos and I've been given two dates this man told me this would be finished and there long gone. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Late Date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Late Date 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX  # XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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. Company states the item has been verified and belongs to me without showing how item has been verified and the claims it belongs to me when I have NO knowledge of it. Under the FCRA I have the rights to know how its been verified, the investigation information and to ask the credit bureaus to respond within 14 days and resolve.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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