BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Pendfed this week double paid all the bills I paid and then took the money back. Which in turn didn't pay my bills. Also they charged me over draft fees. They gave the fees back. But all the bills I paid says they didn't get paid and they are charging me return fees and late fees. Which pedfed is not taking responsibility for nor offering to credit me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: MS
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX  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 2023-08-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found this account opened in my name in XXXX, XXXX  closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, XXXX  is still reporting it on my account.

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 2023-01-28
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: Personal information incorrect

Complaint:
I have tried multiple times to have my name and social security number corrected on my Equifax credit report. The company is completely disregarding my my disputed information. I have forwarded a copy of my driver 's license, social security card, and utility. I wad sent a response to my dispute on XX/XX/2023 and the name above my address is clearly not my name and I have provided multiple documents to verify my identity. I would like the record to show that my accurate XXXX is XXXX XXXX. I do not go by any other name or alias. The incorrect name of XXXX XXXX is on my credit report dispute. I am NOT XXXX XXXX. I am requesting this name be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-07
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against Americollect , Inc. regarding their handling of the debt associated with account number XXXX, which they reported to the credit bureaus without providing proper debt verification, as requested. 
On XX/XX/ I sent a written request to Americollect, Inc. requesting verification of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or the requested verification letter. This failure to comply with my legal request raises serious concerns about the validity of the debt in question. 
Moreover, I want to highlight that I made a payment of the total outstanding amount of {$1300.00} to the original creditor, XXXX XXXX XXXX of XXXX XXXX, via check # XXXX on XX/XX/. However, this payment was made without assuming any responsibility for the debt, as I had not received the requested verification from Americollect , Inc . 
Furthermore, I am deeply troubled by the fact that Americollect , Inc. has reported an amount of {$1200.00} to the credit bureaus, despite the original billed amount being {$1300.00}. This discrepancy raises doubts about the accuracy and legitimacy of the reported information. 
I am formally requesting the following actions : 1. Immediate removal of the collection account # XXXX from my credit report. 
2. Confirmation of the removal sent to my address or email as proof of compliance.

3. Proper adherence to the FDCPA regulations by Americollect , Inc. by providing the requested debt verification. 
I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Americollect , Inc. for their failure to comply with the FDCPA regulations and their inaccurate reporting to the credit bureaus. 
I appreciate your attention to this matter and request a swift resolution to rectify this erroneous reporting on my credit file. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am submitting this Identity Theft Affidavit to report and dispute fraudulent activities and unauthorized transactions that have occurred under my name. I assert that the information provided herein is true and accurate to the best of my knowledge. 

I became aware of the identity theft on XX/XX/XXXX  when I noticed suspicious activities on my financial accounts and received communication regarding accounts I did not open. This has caused significant distress and concern for my personal and financial well-being. 

I have taken immediate steps to report this identity theft to the relevant authorities, and notifying my financial institutions. I am in the process of working with the affected entities to rectify the fraudulent transactions and secure my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: CCS Financial Services, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was trying to put in an application for a rental property. And I was told I was denied because I have delinquent rental accounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a TD Bank business account which I opened when I lived in XXXX. I recently moved to XXXX  with the intention of keeping my business and my business account open but since then, circumstances have changed and I have been forced to close my business and therefore no longer require the account. I have asked TD how I can close my account even though I live outside of their service area and their only response has been to go to a local branch. I find this to be an untenable solution when personal account holders have the option of sending a notarized letter or requesting the account closure through their secure messaging system. At this point, in order to avoid paying the monthly maintenance fee, I will be forced to maintain a minimum of {$1500.00} in the account. This will go on until I am able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to make an unnecessary trip to XXXX  and close the account in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my attention that a previously deleted fraudulent account has reappeared on my credit report, causing significant distress and concern. 
Account Information : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
I am both shocked and frustrated to discover that the accounts, proven to be fraudulent and deleted from my credit report in the past, has somehow resurfaced. The implications of this reoccurrence are not only detrimental to my creditworthiness but also raise serious questions about the integrity of your bureau 's processes in handling fraudulent accounts. 
The fraudulent account in question was previously deleted from my credit report, indicating that it was recognized as fraudulent. I request an explanation as to how an account that was once confirmed as fraudulent and deleted has been allowed to reappear. I am deeply concerned about the efficacy of your bureau 's verification process. 
Given the established fraudulent nature of this account and its prior deletion, I insist on its immediate removal from my credit report. The reappearance of this account is causing unwarranted harm to my credit standing, and I expect swift corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my consumer report and noticed that there were a few unauthorized, unknown inquiries being reported. At no time did I authorize anyone to put anything on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
I sent a letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the account I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

Account # XXXX has violated my rights According to Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Also 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-12-12
Company: EGL US, LLC
State: OH
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:
BMG Money is reporting inaccurate information to the credit bureaus. I have ONE loan with them, and my report shoes TWO active/open loans, which is increasing my debt to income ratio on my reports. I've contacted them several times. In XX/XX/2022 they asked me to email screenshots of the discrepancies, I did. 5 months later in XX/XX/2022, the same loans are being reported! I called and talked to a XXXX named XXXX, she hung up on me, and never called back. 

It's extremely disappointing they are not interested in addressing this. This is negatively affecting my credit, and I need it taken care of expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my bank navy federal credit Union denied my fraud claim charges of {$2200.00} [ Incident : XXXX ] and {$270.00} [ Incident : XXXX ]. I never made those charges and I feel as if they never conducted the correct investigation. After that date they had ask me for my identification which I had submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: WI
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:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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