BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts.

The highest balance is different with {$1500.00} and {$550.00} being reported.

Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

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 2021-10-02
Company: EQUIFAX, INC.
State: GA
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:
My identity was stolen so I've filled out a police report and FTC report for you all to review and get these accounts removed from my profile. I would like to have this information " blocked '' from my credit reports so I can get my life back on track. That would be amazing. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX 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 of 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 2022-08-01
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Vanilla gift card at my baby shower XX/XX/XXXX. The value of the card showed {$100.00}. I registered the card online on XX/XX/XXXX so that I could use it for purchases. However, when I checked the balance online, it said {$1.00}. The card 's packaging was not opened until I registered it, so I couldn't understand why it only has {$1.00} remaining. I called the Vanilla gift card customer service number that morning and was told I would have to provide my personal information in order to open an investigation, and that it would take 90 days for a resolution. I did not feel comfortable providing my personal information over the phone ( the only option given ), told the customer service person this and ended the call. After researching online, there have been similar situations with this particular gift card brand for some time. An article I read from a paper in XXXX, Texas referred those who'd experienced something similar to report it to the state 's consumer affairs department. I called and left a message with the Florida State Attorney 's office. I was contacted by the State Attorney 's office on XX/XX/XXXX and officially filed a complaint. I was then told to also file a complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau. That is why I am filing my complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
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:
I have notified you several times that I have been a victim of identity theft and these are still being reported. Please review the attached FTC report and delete this fradugelent information from my report.

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 2021-10-30
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I recently purchased an SUV, the asking price was almost XXXX. But after adding interest, I will be paying XXXX for a 2014 car. my credit is the the greatest, but I have been improving it. I have a car now that is almost paid for, And out of four years I have not been late, other then one time. And that due to Covid-19. I was out of work for two months. I also have two credit cards that I have never been late on. I really feel like I should have received a better interest rate. My opinion! I feel like my race may have played a role in the very high interest rate I got. The date of the transaction was XXXXloan company Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the following company that has a hard inquiry on my credit report on Equifax and they have no knowledge of me. XXXX XXXX XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2/XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: TN
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:
Experian will not remove fraudulent account on credit report, despite my disputes, and having confirmed from the reporting lender that the account was indeed a fraudulent account. 
Account opened XX/XX/XXXX for {$500.00} Disputed fraudulent account XXXX XXXX, XXXX and XX/XX/XXXX. 
Received confirmation email from lending company that account was indeed a fraudulent account due to identity theft. 
Experian will not remove, nor will they accept the email from lending company that their records indicate it was a fraudulent 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 explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions 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:
Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX 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 2021-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Date : XX/XX/2021, Amounts : {$1900.00}, I was asked for {$1900.00} ( refundable secutity deposit ) to transfer a XXXX accout ( name : XXXX XXXX, email : XXXX ), This XXXX account is the person claiming to be the homeowner 's lawyer 's account, It's a fraud account, I have reported to 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 explanation
Consumer complaint received 2021-10-02
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:
XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX 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 2022-03-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We attempted to purchase an oven from Home Depot. They failed to deliver it on time and we ultimately cancelled it. They subsequently charged us for it. We called them and they were supposed to credit the account but instead sent it to collection and eventually to the credit reporting agencies.

We got them to admit their mistake and remove it from our general credit report but when we went to apply for a mortgage for our new house, we found our credit score was low because this was on the 'mortgage credit report ' which is different from general.

We called Home Depot again to have them correct the issue. They 'investigated ' and then came back with a letter stating they wouldn't change anything and that they were correct. 
How can our credit be tarnished for something we NEVER RECEIVED???? 

Between the time it took to try to resolve this and the increasing mortgage rates and our now lower than expected score, our mortgage will cost us roughly an extra {$500.00} / month which is {$180000.00} over the life of the mortgage!!! this is unlawful and unfair. We are paying for our children to go to college. We can't afford this. It's deplorable.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: PR
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 THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX SEND ME FOR THOSE XXXX ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY.

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT

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 2021-10-02
Company: BARCLAYS BANK DELAWARE
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, my wallet was stolen from me and the person went to XXXX and attempted to use all my credit cards to purchase {$200.00} worth of stuff. The only card the person was able to use was my Barclays credit card. I contacted Barclays about this and they dismissed my case as valid purchase when it was clearly fraud as I have location receipts/emails from where I was that day and from my other credit companies notifying me that it might be a fraudulent transaction. 
I have consistently called them as they put the {$200.00} charge back on my account and additionally put another {$200.00} charge with the same transaction number. Each time I have talked to a representative, they each give me a different answer and told me it will take 2 months to resolve and that I must pay the minimum payment or else it will further ruin my credit score. I am currently facing financial hardships and this is furthering the financial strain for me as it is even damaging my credit score. It has been over 4 months now and they have not sent me an email or letter in the mail.

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 2021-10-02
Company: WELLS FARGO & COMPANY
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:
In my credit report there is one bankruptcy  in XXXX and 3 accounts in XXXX that don't belong to 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 2021-08-27
Company: CITIBANK, N.A.
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:
It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly single mother of XXXX kids and it is hindering me from doing a lot for my family.

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 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In my credit report there is one bankruptcy in XXXX and 3 accounts in XXXX that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, DPT EDXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had knowledge of this debt by checking my credit report, I disputed the information and explained that it is an account that was opened fraudulently, because this account is not mine, they sent documents saying that if it is mine, obviously account statements and documents of That guy, I told them that it proved absolutely nothing, and they did not delete this account from my credit reports, as a consequence this has harmed my life, I request that this account be eliminated because I have never had an account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Mobiloans, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a voicemail from ( XXXX ) XXXX " This is XXXX XXXX contacting you in regards to your claim being filed through XXXX county by law have to make you aware that want your claim number as the XXXXXX is file through the county it does become a matter of public record and there is an order for your location since I wasn't able to reach you by phone I have been instructed to contact your employer because it looks like that is going to be your likely place of lactation the store you do have the legal right to contact the office that is processing your claim however you would need to speak to them before your claim is filed once your claim is discharge from their office all of your legal rights will be forfeited the number that will be provided for that office is XXXX again that phone number is XXXX You XXXX legally notified by telephone and you will be located unless I a.m. instructed otherwise I called the number back at XXXX XXXX XXXX claiming to be a " XXXX XXXX XXXX '' They repeated over and over that they are only a third party notifier about legal proceedings. I then informed them that legal proceedings always have paperwork and that I never received paperwork from this " debt collector '' nor this I allow for them to call relatives and harass them. I asked for a website or a business name that I could look up and then the person on the line got rude and did not want to answer any more of my questions. I hung up and got on the FTC website ASAP and filed a claim.

Company response to consumer: Untimely response