BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX, AZ,XXXX  XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 



To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : I had this service. 
What services I am being charged for. 
What the cost of each service I am being charged for. 
Furthermore, { XXXX XXXX } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 



I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be validated with contract signed by me or removed immediately. 

Name of Account Account Number Validate : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX { dispute_explanation } * Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file. 


Thank You, XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 



Signed, sealed and delivered in the presence of : 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 2017-08-27
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
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 have tried to resolve this issue through cfpb on four previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but Credit Information Systems has yet to remove them.

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 2017-08-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I established services with XXXX in XXXX XXXX, XXXX. At the time of setting up services i chose to pay a deposit so that my credit would not be ran. Well according to my XXXX report I have a hard inquiry from XXXX dated XXXX XXXX, XXXX. They did not have permission to run a credit report and I did not give them my social security number. So how is it they were able to do a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MN
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:
The following fraudulent credit card accounts currently listed on my Equifax and XXXX credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX XXXX. Theres no bankruptcy records on my XXXX XXXX XXXX Report, the third party company/vendor XXXX and Equifax use to get public record information. I have sent documentation from XXXX XXXX to XXXX and Equifax for proof the public record is not my public record, but XXXX and Equifax continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX XXXX Report. The following credit inquiries currently listed on my Equifax credit report are fraudulent credit inquiries : XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States Senator, XXXX XXXX, Minnesota United States Senator, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, United States Attorney General, and Joe Biden, President of the United States of America to look into this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-27
Company: Activity Collection Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed inaccuracies being reported to XXXX and XXXX credit bureaus by XXXX XXXX XXXX, I for services provided XXXX XXXX XXXX XXXX and XXXX XXXX. I 've never had any Services provided by this XXXX that was n't paid for. Therefore I disputed the information back in XXXX when the error occurred and it was removed from all credit reporting agencies however now I noticed that it reappeared on XXXX and XXXX only. Therefore once again I disputed the charges with the credit bureaus on XX/XX/XXXXand sent the collection agency a letter asking them to verify the debt or remove it from my credit reports. Unfortunately there 's been no action done to verify the debt or being remove from my credit report. My credit report shows remarks that debt is being disputed however it has went away. Therefore onXX/XX/XXXX I tried calling XXXX XXXX XXXX, I to provide my contact information and request a copy of the bill I was being charged for. The representative that answered the phone was extremely rude and very disrespectful to me accusing me of not paying my bills and he started yelling over the phone. I was asking him to send a statement with a summary and description of balances owed. Representative who answered ask me very rudely " What are you going to do with the information '' " Are you going to pay the bill he ask ''. I just repeated my original request and ask for a copy to be sent and that when he lost control and demanded that he 's not sending a bill and he 'll provide me with the information to pay the bill and over the phone. I hung up the phone because I did n't think I deserve to be treated like this for trying to solve a problem that 's already impacting my credit report. I feel something 's not right because he did n't try to call me back however they also never corrected my credit report. Please assist because they only thing I 'm trying to do is clear things up however I have absolutely no records showing that I ever had Services provided that I did n't pay or co signed for anyone else 's Services.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
A charge was made on XXXX XXXX XXXX for XXXX of which we have a disputed. The merchant advised that the case was lost and we should have received a refund its been weeks. Capital one has not giving us our money and every time I call its a different excuse. The last one is that the case was still open when its not. This is a closed account and Im requesting that they issue us a check for the amount that they owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CURO Intermediate Holdings
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received this e-mail claiming to be from a law firm claiming I will be prosecuted for an unpaid debt and numerous other threats that violate consumer collections laws. Their e-mail does not tell me who the debt is for, just an extensive list of the companies they claim to represent. As a legal document, it is if filled with grammar and spelling errors. It is a very unprofessional letter. 

Another red flag is it appears I am only Blind copied on this e-mail so who knows how many other people received the same e-mail. The biggest red flag is that it is coming from personal e-mail addresses. 

Finally, this is not the first time I have received an e-mail like this from XXXX Attorneys. 

I have been a XXXX  XXXX  for XXXX  at a rather large XXXX   for 14 years and I know consumer protection rights when it comes to collecting on a debt. 

This is a major violation and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nationstar refused to discuss information on a short sale contract I was approved on to purchase.from them. Contract date XXXX/XXXX/XXXX to expire on XXXX/XXXX/XXXX. I requested an extension to close on XXXX/XXXX/XXXX because of extensive damages to the property from XXXX/XXXX/XXXX til XXXX/XXXX/XXXX. 
I was told they cancelled the offer because of the request. It states in my contract with the seller about damages when going to close. They refused to consider two contractors estimates of water intrusion and black mold clean up. The home is not habitable, It is rat and mice infested, cat and dog poop and urine everywhere, cat hair everywhere. 
Nationstar refused to talk to me even after they cancelled my contract. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MN
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:
The following fraudulent credit card accounts currently listed on my XXXX and Experian credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX, Minnesota. Theres no bankruptcy records on my XXXX XXXX Consumer Report, the third party company/vendor Experian and XXXX use to get public record information. I have sent documentation from XXXX XXXX to Experian and XXXX for proof the public record is not my public record, but Experian and XXXX continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX Consumer Report. The following credit inquiries currently listed on my XXXX credit report are fraudulent credit inquiries : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota Attorney General, XXXX XXXX, United States Attorney General, and XXXX XXXX, XXXX of the United States of America to look into this matter as well.

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 2022-09-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and XXXX have got into the hands of the wrong person.

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 2022-03-07
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
company does not want to report- verification status or record of payment history to credit bureaus. Was told that they did not have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax announced that they were hacked on XXXX/XXXX/XXXX and that the personal information of costumers may be compromised. I checked my status on the equifax security website that Equifax provided in order to determine whether I was a victim or not. The website noted that I may be a victim. This places great stress on me and the possibility of my identity being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy Chapter XXXX Discharged XXXX Date Filed XX/XX/2013 2013

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 2017-09-08
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NV
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I went to the Fifth Third branch located at XXXX XXXX XXXX with my first payroll check from XXXX XXXX. The check amount was XXXX and when I went to deposit it, the check was scanned in Check XXXX and flagged as being drawn on an account that has had checks returned in the past. I explained that I needed immediate access to the funds in order to move into a new apartment and avoid being homeless. I was told that if I opened a new account ( I had an existing prepaid " express '' account ) that my funds would be available on the next business day which was Monday. On Saturday, a friend of mine who works at a global investment bank and was able to come with me explained I should have been informed that I could cash the check at the bank it was drawn on. Thankfully, he also allowed me and my girlfriend to stay in his living room for a week. I was encouraged to open an account this applying the Reg CC new account exception, and my check was put on hold until XX/XX/XXXX. 

On Monday the XX/XX/XXXX, I went back to the bank and was informed of the hold and that it would be removed. XXXX who had opened the unnecessary new account ostensibly to hit her new account opening quota was unavailable and XXXX told me he do nothing. As the week progressed between the generosity of my host and my girlfriends tips we managed to eat and survive. On Friday the XX/XX/XXXX I went in again and the regional manager was there. They said that the hold would be lifted. It was not. I returned again Saturday the XX/XX/XXXX and was told to wait until the XX/XX/XXXX. I have now been homeless and penniless for 10 days. 

I am most concerned that I was not told that I could cash the check at the issuing bank which was a few blocks away and that, like XXXX XXXX, I was forced to open an account I did not want or need. There is no way the check did not clear and any financial institution with any sort of reconciliation team would have lifted the hold when the check cleared, likely Wednesday. I 'm trying to get my life in order after a very challenging couple of years and without the support of friends I could have been homeless or ended up dead in a ditch, god knows what else. This has been the most stressful and one of  the most challenging experiences of my life. Do n't bank with Fifth Third.

Company response to consumer: Closed with explanation