BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-01-05
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a victim of an internet scam involving my credit cards. This took place in XXXX2019 to XXXX, 2019. I was told to buy XXXX gift cards from XXXX and XXXX and they would pay off the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my XXXX, XXXX and citi credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
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:
Dear Exquifax, I recently received a copy of my Exquifax credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into the following creditors : XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX.
If you find I was not the one who authorized these inquiries, I ask that it be removed immediately from my  credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 

If you find that I am in error, then please send me proof of this. 


Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a letter to the XXXX and XXXX Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. WELLS FARGO DEALER SVC ********

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 2022-07-20
Company: Experian Information Solutions 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:
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 from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$62000.00} XXXX  XXXX Balance : {$29000.00} XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX  XXXX Balance : -

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 2022-07-20
Company: Experian Information Solutions Inc.
State: VA
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 appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$24000.00} ; US DEPT ED XXXX {$1300.00} ; US DEPT ED XXXX {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 account 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. The account needs to be removed as it is fraudulent : XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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, account # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. 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 correct 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 XX/XX/21

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion still has not deleted the hard inquiries that need to come off due to a car dealership handing out my applications. I did not give them permission and they ran my credit several times. I have sent multiple letters showing proof these were suppose to come off yet the credit bureau refuses to take them off. This is against the law and not right what they are doing. I am trying to purchase a home and my loan officer wants all these inquiries off.

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 2020-10-07
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I entered into a forbearance/deference agreement with Morgan Stanley Home loans. Initially, it was for 3 months and it was extended to 6 months. When I last spoke to a representative on XX/XX/2020 I requested that they extend for another 2 months and the representative said that shouldn't be a problem. I received another call and someone else told me something different in that I could not extend another 2 months and that I would have to agree to a deferment so I did so. They told me that I could in a sense put the XXXX payment into the deferment plan and possibility of putting the XXXX payment in the deferment agreement so essentially I would extend for another 2 months. I kept getting automated calls to call Morgan Stanley, everytime I called I would get a different response, this time the representative told me that I had to make the XXXX payment immediately. I would have liked to have extended my forbearance for another 2 months and put that into the deferment plan but I keep getting told different things. At one point a couple of months ago when I asked for the modification package to be sent to me another representative told me that I would only be able to defer 3 months of the payments and the other 3 months I would have to pay as a lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I 've paid a debt that has been reporting on my credit and was told after I pay it, It will be remove from all three of the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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 XXXX attempt to notify you that I am a victim of identity theft and I'm sending a complaint 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 alleged identity theft. These items are unknown to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS is required by law to remove any items which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX  XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX  XXXX Inquiry XXXX XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX Inquiry XXXX XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry XXXX XX/XX/2021 ; XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry Date XX/XX/2021 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 2022-07-20
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:
Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. 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 correct 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 XXXXXXXX Late Date XX/XX/21

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 2019-10-17
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:
Equifax is reporting incorrectly collections in the amount of {$48.00} ; {$42.00} and {$28.00} on the XXXX XXXX XXXX account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts were billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On or about, Thursday, XXXX XXXX, 2017, Prestige Financial Services, called and harassed me about making a payment on my car loan. I have spoken with them on numerous occasions about making a payment, and they have continued to harass me. I am certainly feeling the effects of the XXXX XXXX. I am also dealing with issues with my house. I understand where they are coming from, however harassing me is not the correct way to address the issue. I have never missed a payment and if there has ever been an issue, I have remained in contact with them to let them know that I needed an extension or some additional time. This is also not the first time they have called and harassed me about the situation.

Company response to consumer: Closed with explanation