BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2023-07-17
Company: Experian Information Solutions Inc.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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

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 2023-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone tried to open an account at XXXX and XXXX in my name and I am asking for the inquiries to be removed immediately. Thanks

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 2023-12-10
Company: ENCORE CAPITAL GROUP INC.
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given you written or unwritten, verbal or non verbal in accordance with 15 USC. 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
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: Their investigation did not fix an error on your report

Complaint:
I disputed a bankruptcy on my report that should not be reported because it was given to them through a third party source not from the original source and they won't delete a third party source violating my privacy which they by law can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I initially submitted a complaint to the CFPB in XX/XX/XXXX due to Amerisave reporting me delinquent to XXXX and XXXX despite the fact that we made a forbearance agreement from XX/XX/XXXX through XX/XX/XXXX. Amerisave responded to the complaint, acknowledged their error, and removed the derogatory credit reporting. Since then, Amerisave continues to report me delinquent. I submitted a dispute to the credit reporting agencies and have contacted Amerisave multiple times including speaking with 2 different supervisors over several months to have the derogatory reporting and all notes removed from the credit bureaus. Amerisave is acting in a predatory manner by continuing to violate the terms of my forbearance. Representatives continue to agree verbally that the credit reporting is an error but continue to report delinquency. Additionally, Amerisave is unresponsive to my attempts to reach an agreement regarding the forborne balance and possible permanent loan modification. Despite my good faith attempts, Amerisave has not reciprocated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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 belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-07-17
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:
On XX/XX/2023 i received an email notice that my credit score dropped for experian so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for XXXX minutes they could not find my account so i called experian and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them XXXX ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the real estate industry and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: Professional Debt Mediation, Inc.
State: MN
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROFESSIONAL DEBT MEDIATION closed my other request asking for my PERSONAL INFORMATION which is not allowable on these forms. I am on XXXX and you are not supposed to collect from me. Stop collecting from me for the discriminatory XXXX XXXX XXXX, for who I shouldn't have even OWED any money, nor was I given a notification of debt, even electronically. You also asked me on my last complaint for personal information, which against CFPB 's form rules and for my protection as a consumer, which is scummy, but you refuse to stop collecting from me, which goes against XXXX as my money is from the government and can not be collected from. Cease and desist, or I will report you to XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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:
In XXXX, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a Target Credit card in my name. I have tried to dispute this and the company will not look into this. I have even asked them to Validate the debt and they won't send me any information on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO TRANSUNION VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) Such amount of punitive damages as the court may allow ; and ( XXXX ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.

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 2022-11-19
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:
Account Name : XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( XXXX ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO EXPERIAN VIA XXXX XXXX MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.

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 2020-07-31
Company: EQUIFAX, INC.
State: AR
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 have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. DEPTEDXXXX   XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-17
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A merchant, named XXXX XXXX XXXX, fraudulently took {$440.00} from my checking account after lying about making repairs to my camera that were not made. The merchant is located several XXXX miles away from my home which made it impossible for me to visit. I shipped my camera, via XXXX, to the merchant. 
The merchant notified me that the camera was " repaired '' and demanded payment before returning my camera. I was forced to pay the merchant without having knowledge that my camera had not been repaired and was still broken. 
The merchant cashed my check and, about XXXX weeks later, returned my camera to me in a state of disrepair. I contacted the merchant and attempted to demand a refund but the merchant was uncooperative. I subsequently contact PNC Bank, described the situation thoroughly, and asked for its assistance in recovering the funds. 
PNC Bank did nothing to recognize that I was a victim of fraud and essentially supported the fraudulent act of the merchant by admonishing me for not putting a stop pay on the check. PNC absolutely refused to recognize that I could not stop pay a check BEFORE my broken camera was returned to me which is before I knew I was a victim of fraud. 
PNC appears to be disinterested in protecting its account holders from merchants of fraud and will not adequately resolve account holder 's complaints about fraudulent transctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Wells Fargo is not trying to help me get a refinance. I have been sending in documents and documents to Wells Fargo and they still say that they dont have any information from me. And Im getting financial behind because they wont try to work with me and they took money out of my account that wasnt authorized. And I need legal help because this is unlawful and not fair to do this to someone and I want Wells Fargo to sell my loan to another mortgage company because I dont want to deal with them anymore because they dont care and theyre trying to take my home away from 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 explanation