BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-03
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was living in XXXX, Colorado from XX/XX/XXXX to XX/XX/XXXX. Sometime after moving there I had my car broken into and my passport stolen. Sometime after that my identity was used to open several account for various things. I was sent multiple bills for around {$1000.00} to {$4000.00} that I have had to dispute and a new one I am currently disputing right now. I have also been a victim of a car loan from a company called Santander XXXX. After disputing the smaller charges with phone companies, I was left with the Car Loan of {$14000.00} half of which was paid for. Thus, leaving {$7500.00} worth of debt unpaid. This was already on my collections by the timeI realized this and it tanked my credit score. I couldnt get approved on an apartment in XXXX I wanted and realized I should move back to texas. I literally had to move back home because of this identity theft. I then contacted the company thinking everything would go smoothly but that was far from the case. Around XX/XX/XXXX I contacted Santander regarding the identity theft and they told me to print out and sign a fraud packet. I submitted the fraud packet by mail like they had asked with all the correct info only to be told a later they do not receive physical mail anymore due to covid. I was very frustrated as these were the directions on the packet. They then told me to email the documents. After emailing the documents I waited a month for being told that they were unable to approve the fraud packet. I called the company and they told me the issue was that the file type was not correct. After that I was extremely furious as they could have mentioned this sooner. I made sure the file type was correct, I sent the documentation to multiple of the emails they provided and made sure they received everything. Another month after that I received an additional letter denying their " approval '' of my fraud claim. I have {$7500.00} worth of debt on my collections that isnt mine and is destroying my credit. I would like to one day buy a car and a home and this is causing me immense stress and anxiety. I had to relocate because of this. I don't know what else to do because this company is not making it easy when all the phone companies approved my fraud claim instantly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX servicer Shellpoint Mortgage has yet to produce the original promissory note of the loan agreement proving its legitimacy signed by both parties. I claim that the original promissory note are unclear and difficult to understand and very predatory in nature. Confusion as to what was financed and owed. My mortgage has been transferred more than 4 times causing major confusion on what the actually balance is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-12
Company: EQUIFAX, 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:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXXXXXX 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX is reporting a medical account that is under {$500.00} and as you can see, they never reported the balance to the credit bureau. As of XX/XX/2023, any medical accounts under XXXX  is invalid and isnt supposed to show up on my credit report. This account needs to be removed immediately because its fraudulent charges as well by the Dental office that theyre collecting money for. The initial balance is {$170.00} and they tried charging me {$50.00} for a no call no show fee after I told the dental office, that I will not be coming back because of the nonsense that they pulled.

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 2023-04-21
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:
This is my NUMEROUS request that 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX , CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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:
This is my 11th 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 XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 11th 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 XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX  XX/XX/2023

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 2022-12-21
Company: Premium Credit Bureau
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 55 Hard and soft Inquires combine with all 3 credit bureaus. I didn't authorized such inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023 XXXX, Equifax, and XXXX were all sent Factual dispute letters. Since that time no correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}

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 non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In around XX/XX/2023 I submitted an identity theft report to XXXX and Equifax via upload service, to block and remove fraudulent accounts as a result of identity theft, as identified in USCS 15 SECTION 1681c-2 BLOCKING INFORMATION. I provided a social security card and Driver 's License. Although after calling both reporting agencies the following week of XXXX of XX/XX/2023. 1st XXXX. " Specialized Fraud Team in which I was told that we reviewed your Fraud Dispute and determine that my FTC report does not meet our requirements and was not blocked, I was also told that contact the furnisher of the information to resolve it. So On Equifax Side I was advised that it will take 30 days to removed which is our policy but keep in mind Equifax disregarded 15 SECTION 1681c-2. Nevertheless, I tired of going back and forward XXXX should have learned it's lesson in a Case in 2021 XXXX V. RAMIREZ IN A SIMULATOR SITUATION. I WANT JUSTICE AND I WHAT THESE ACCOUNTS REMOVE AS REQUIRED BY LAW IN THE TIME FRAME BOTH I WAST XXXX AND EQUIFAX TO HAVE FINES AND PENALTIES APPOSED BECAUSE I HAVE ALL THE EVIDENCE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NV
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 my NUMEROUS request that 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}

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 2023-04-21
Company: TOWNEBANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 a purchase was made from my XXXX account that was hacked into. The purchase was made for a delivery to a house in XXXX Virginia witch is 2 hours away from me as well as I do not know the person the made the purchase. The bank was contacted and they denied to look into the claim and informed me that they believe I am the one who made the purchase without doing any type of investigations.

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 2022-12-22
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted I.C. SYSTEM, INC regarding a ATT U-verse debt that is showing up on my credit report. They informed me that the service ( I assume XXXX XXXX  ) was setup at an address in Illinois. For what it is worth, I've had XXXX XXXX  Stream service ( another ATT XXXX  ) for five years, which should make one question why I would open an account for a second cable service. 

I informed I.C. System, INC that I've lived in XXXX my entire life, and there is no scenario that any service should have been setup at an address in XXXX. This must be a fraudulent account. I made no progress with this company. In fact, they used the opportunity, when I called to dispute the debt, to get my home address in XXXX and update their records instead of doing anything to determine if this was fraudulent. I disputed the debt on the XXXX credit report two times. With both disputes, the results came back within 24 hours with no change. 

This is impacting my credit score. Please note it is the only delinquency on my credit.. 

Seeking help because I've exhausted other means of getting this corrected.

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 2023-02-22
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are calling ; to collect a debt on a person that does not live here. The last message was XX/XX/2023 XXXXXXXX XXXX by a Robo Call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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: Personal information incorrect

Complaint:
Disputed with the Bureaus and made calls to remove the inaccurate information.

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 2023-04-21
Company: EQUIFAX, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I attempted to purchase tickets for a football game over the internet. I contacted the seller, agreed on a total of XXXX USD, and was told to use XXXX to transfer the amount to them, after which they would send me the tickets via email. After confirmation was sent to the seller, I received no further contact from them. I felt comfortable using XXXX because my bank, PNC, uses the company for money transfers. After disputing the transaction with my bank and XXXX, sending screenshots of the text message conversation with the seller and other applicable information, I received a letter in the mail stating the following : " You contacted us recently to dispute a person-to-person payment to/from your account ending in XXXX in the amount of {$720.00}. Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute was denied. You have the right to request the documentation we relied on in making our decision. '' While I understand that I initiated the transaction, I was not aware that XXXX provided zero protection for consumers using their product, or that I was being scammed through their app.

Company response to consumer: Closed with explanation