BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of 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 2021-08-20
Company: Consumer Adjustment Company Incorporated
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made an XXXX XXXX visit to XXXX XXXX in XXXX, Colorado in XX/XX/XXXX. I was covered by health insurance at the time and paid a number of bills related to the visit out-of-pocket up to the point of maximizing my deductible. More than 2 years later, in XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a bill from Colorado XXXX XXXX XXXX for {$450.00}. I called XXXX and requested a copy of the bill and contested the validity of the outstanding amount since I had maximized my deductible under the policy. I could not find any record of having received the bill or any correspondence with my insurance company in my personal files. I never received a copy of the bill from XXXX, so I sent a letter to XXXX contesting the debt on XX/XX/XXXX. I have a copy of the letter and I sent it certified mail, return receipt. I never received a response to the letter from XXXX. 
I received a letter from another collection agency, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX trying to collect the same debt. I called the agency and explained that I had previously contested the debt and again requested a copy of the bill. I never received a copy of the bill. I sent a letter to XXXX  dated XX/XX/XXXX explaining that I had previously contested the bill and repeated the reasons I was continuing to contest it. I requested that they discontinue an further harassment of me about the matter. 

I just received a letter from a third collection agency, CACi, dated XX/XX/XXXX trying to collect the same bill. I called CACi and attempted to explain that I have contested the debt twice already and don't think I should have to do so again for a third time. CACi stated that they are representing an organization called XXXX XXXX XXXX who is the " owner '' of the account. CACi offered me no other solution other than to contest the bill in writing a third time. I once again requested a copy of the bill from CACi, and the supervisor I spoke to said they couldn't provide it to me. 

Since I have never received any responses to my previous letters contesting the bill, I believe this now amounts to harassment and should cease. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I have a credit card account on my report that is not mine. I have never ever applied nor received a credit card in my name. 
XXXX XXXX account number balance {$5600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Was not notified of investigation status or results

Complaint:
In XXXX, I requested inaccurate information removed from my credit reports from all three credit bureaus. Transition responded in 4 days, XXXX in 6 days and XXXX in 12 days to my amazement. 
I then sent a second letter in mid XXXX requesting all three agencies to reinvestigate my dispute and to send me detail account of how the investigation was conducted and how the account and account information was validated. My concern was again dismissed as the account is still reporting on my credit reports.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX am a federally protected consumer and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9 the assignment of a default note is illegal both the assignee and the assigned are both liable for violation under 15 USC 1692 a 12. XXXX XXXX has committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 before which the FTC defines as debt parking. on XX/XX/XXXX and affidavit was sent to great informing them of the fraud the was committed in the allege contract. XXXX XXXX has sent XXXX contracts for the same alleged debt with XXXX different balances and signed XXXX years apart. XXXX responded on XX/XX/XXXX and stated the would remove the account and reduce the balance to {$0.00}. XXXX Months later XXXX XXXX and the consumer reporting agencies has fail to ensure maximum possible accuracy to my report while investigating bring harm to me and my financial reputation by failure to update the Information.

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 2023-08-10
Company: Complete Credit Solutions, 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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction me as a consumer. 

Account Name : Complete Credit Solution Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX You are required to do what I'm asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2021-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
ON XX/XX/XXXX, I MADE AN INTERNATIONAL WIRE TRANSFER THROUGH MY BANK PORTAL. 
ON XX/XX/XXXX, I RECEIVED AN EMAIL SAYING THE TRANSFER WAS COMPLETED, BUT WHEN I CONTACT THE RECIPIENT, HE CHECKED HIS ACCOUNT AND DID NOT SEE THE FUNDS, I CONTACTED THE CUSTOMER SERVICE LINE OF MY BANK AND THEY SAID THERE IS NOT WIRE TRANSFER DEPARTMENT CUSTOMER SERVICE ASSISTANCE AT THAT TIME AND THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, WICH I DID, MY FIRST REQUEST WAS ON XX/XX/2021, AND I RECEIVED A REPLY THROUGH MY SECURE MESSAGES SAYING THE WIRE TRANSFER WAS COMPLETED AND PROVIDE ME WITH A REFERENCE NUMBER SO THE RECIPIENT COULD TRACK WITH HIS BANK, WHICH I DID, RECIPIENT HAD CALLED HIS BANK SEVERAL TIMES AND THE FUNDS ARE NOT IN HIS ACCOUNT AND IT DOESN'T EVEN LOOK IN PROCESS, I CALLED BACK TO MY BANK TO THE CUSTOMER SERVICE ON XX/XX/2021 AND THEY TOLD ME THE SAME THING, THAT THEY CAN NOT TRACK OR FIND THE EXACTLY INFORMATION OF WHERE IS THE MONEY, THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, I HAVE MADE 3 MORE REQUESTS IN THE BANK PORTAL, EVEN ONE TO HAVE MY MONEY BACK, AND TODAY XX/XX/2021 STILL NOT HAVE AN ANSWER, NOBODY HAS CONTACT ME, I HAVE A LETTER FROM THE RECIPIENT ACCOUNT SAYING THEY HAVE NOT RECEIVED ANY WIRE TRANSFER FROM ME. IS VERY DISAPOINTED THAT A SUCH A BIG BANK LIKE THIS ONE IN UNITED STATES DOES NOT HAVE ENOUGH CUSTOMER SERVICE ASSISTANCE TO US THE CUSTOMERS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
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:
I XXXX XXXX am submitting this complaint on behalf of myself with no help from anyone. 
I am a natural person, and consumer seeking assistance from the CFPB in regards to a matter I am having difficulty resolving with Transunion, consumer reporting agency. 

TRANSUNION is committing identity theft against me ; I have informed TRANSUNION that they are incorrectly spelling my name. My name is XXXX XXXX, yet my report states XXXX XXXX, a name I have never went by. I have mailed in my license a numerous amount of times, yet TRANSUNION claims theyve never received any mail by me. I have attached a copy of my license along with this complaint. 
Second issue I am having is Identity theft with companies, I have filed two FTC reports, as well as a police report, which TRANSUNION is again stating theyve never received. Ive disputed these accounts below as Fraudulent, identity theft, but yet again TRANSUNION is not honoring their duty to me as the consumer and conducting a proper investigation. I find is funny how XXXX, and XXXX have followed the laws, and removed these accounts but TRANSUNION somehow can verify, or cant block or update MY PERSONAL INFORMATION, as if they personally know me. 
Let me remind you TRANSUNION, youre in possession of my consumer report, it is your obligation and duty, to make sure the information youre reporting to my consumer report is completely accurate! 
FTC report number # XXXX, the following accounts are included in my FTC report, let me again remind you that according to the FCRA you have a duty to block these accounts from my consumer report within 4 business days of receiving my dispute. I have attached a copy of my credit report to show what accounts are fraudulent. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 {$500.00} was taken from my checking account with Navy Federal Credit union for XXXX and transferred into a XXXX XXXX, Ms XXXX has a history of fraud and was claims to be realtor I have attempted to work with both Navy federal and XXXX on this with no luck I do have police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Worked with the company to resolve this issue before ( CFPB : XXXX ), suggested by Corporate Consumer Relations that after a period of time, I will need to unlock the credit reports and the company re-affirmed that providing a PIN will not be able to obtain a credit line from Synchrony bank. Still getting denied and unsure how to resolve it as I have been strictly adhering to the given instruction I had.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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  {$23000.00}. XXXX dates late but have been on payment plan but being recorded like not receiving a payment. 

XXXX XXXX XXXX {$1300.00} evrything shipped to wrong address and services was not as advertised. 

XXXX XXXX XXXX {$750.00} should not be on my credit i have been waiting to understand why i have this on my credit. 

XXXX. {$340.00}. The payment was mailed off over a year ago. 
all hard inquiries. have not given premission to share my information.

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 2022-01-14
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Barclays US offers a branded Frontier Airlines Master Card where XXXX award miles are awarded upon opening the account and completing one transaction. Barclays actually has no internal system in place to award those miles. My account has been open 5 months and despite my calls to customer service I'm unable to gain resolution.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: AZ
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 am writing to express my deep dissatisfaction and frustration with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and overall financial well-being, and my numerous efforts to rectify this situation have yet to yield a satisfactory resolution. 

The following issues persist on my credit report despite my repeated efforts : I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent accounts and transactions on my credit report. I have diligently reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required by law. Despite my numerous attempts to rectify these errors, these fraudulent items continue to tarnish my credit history. 

I have submitted multiple dispute letters to the credit bureaus, providing detailed information on the fraudulent nature of these entries and furnishing all the necessary supporting evidence to substantiate my claims. Unfortunately, the response from the credit bureaus has been inadequate, and the fraudulent items remain on my credit report. 

I understand the vital importance of accurate credit reporting and am committed to restoring my financial integrity. It is imperative that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. Furthermore, I request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items : 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 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter out around XX/XX/XXXX to XXXX, Transunion and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day -period beginning on the date on which the agency receives the notice of the dispute from the consumer of reseller. Please take action on my credit report, inquiries and closed accounts, chargeoffs on my credit report. 
Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX **** Account Name : XXXX Account # : 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Trans Union LLC. Is reporting these fraud accounts on my credit report. XXXX XXXX, {$3500.00} XXXX, XXXX XXXX  {$5700.00} XXXX, XXXX XXXX {$14000.00} XXXX, Trans Union is violating FTC rights & my personal rights. I have made several attempts to dispute & correct this matter & Trans Union continues to ignore & disobey the law. Trans Union LLC knows by law these companies have not legally verified that these fraud accounts belong to me. This fraud is causing a multitude of stress for my family & I & my future endeavors to use my credit. I have cancelled my membership with Trans Union LLC., why should I pay $ XXXX a month & they don't seem to care about my life. 
Thank You.

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