BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
Transunion and XXXX and XXXX still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.

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 2023-09-09
Company: Paramount GR Holdings, LLC
State: KY
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 have not supplied proof under the doctrine of estopper by silence, Engelhardtv Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland credit management contacted my ex-husband, on his cell phone, looking for me, about debit that they say I owe from a XXXX  XXXX credit card. The person gave him the proposed amount due, the last 4 of my social security #, my physical address, my date of birth, date of last payment on the credit card ( 2019 ) and I have never received any mail or correspondence about this debt. Today, I received an early morning phone call, before XXXX from a gentleman that did not verify he was talking to the right person and a revealed all my personal info again on my cell phone ( name with spelling, date of birth ( wished me a " happy birthday '' ), last 4 of my social security and my full address with amount due and last pyment in 2019. I let the representative know I did not know what he was talking about, that I needed something mailed to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Chase, I am a victim of identity theft and I called to report this information to your fraud team again today you and they were unable to verify me via my cellular phone number ( S ). This is not my first time attempting to reach your fraud team. They put me on hold to see if there were other solutions they could offer me. They suggested that they call me back to verify me. I suggested that I go to a branch but they dismissed this idea and recommendation to call me back on my phone line. Also, my zip code is coming up incorrectly in your automated system. Can you please investigate asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Foris DAX, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Crypto.com claimed my etransfer but then decided they cant add it to my wallet they then said they will return my money which is over XXXX XXXX But they never did. They still owe me my own money for over 2 months now many different people wrote that the commpany will send me my money. They never do. Its been over 2 months!!!!! 
I can never talk to anybody by phone they refuse to its only by email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
I am a victim of 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 2023-09-08
Company: ENOVA INTERNATIONAL, INC.
State: LA
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:
I recently reviewed my XXXX consumer credit report and notices it contained information about a dept that was reported many times but NET CREDIT. I reached out to NET CREDIT for more information regarding this and told by the representative that the dept had been sold to XXXX XXXX XXXX a Third party dept collector. While on the phone call with NET CREDIT representative i made her aware that if the original dept had been sold ( assigned ) to a third party, that the original contract was void.amd that i had not agreement and/or contact with the third party collector.Also i informed her that it being sold was theft of my identity, and it being reported to the credit bureau ( s ) was false information reported, that the third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had no consent to do so from I the consumer. And i request just compensation from both parties the settle the matter honorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Even before this late payment was reported I made an arrangement to pay XXXX XXXX the minimum due before the 30 days. The payment was taken on XX/XX/2023 the wrong date it was suppose to and the payment ended up getting reversed from my bank since my work check wasn't cleared yet. Even with this knowledge XXXX XXXX still violated my rights with this late fee report without giving me no heads up at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-08
Company: EQUIFAX, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: I.C. System, Inc.
State: TX
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 credit report says that XXXX XXXX sent a balance of {$2100.00} to a collections agency to I C Systems with an opening date of XX/XX/2020. I have never done business with XXXX and I have not received any information by mail or telephone about any debt that I owe from I C Systems. The amount is suspiciously the same as an amount from another collections agency that I reported and was found fraudulent. I have disputed this charge, but nothing has happened yet.

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 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This account has been placed on my credit report and I have no knowledge of it Ive reached out to the agency for validation and they have yet to validate this account with my wet signature Im asking for it to be removed from my credit report being that it is showing negative account thats closed on my credit 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 2020-12-21
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up With XXXX for internet and TV services and was told I would have 30 day guarantee to cancel service if I was unhappy. I canceled the service on the 32nd day but was charged for 60 days of service. 

I was never told that I would be charged for a full second month. The service was disconnected and the bill was paid for 32 days. 

They refuse to credit the bill for the other 28 days and have now turned it over to a collection agency that is reporting it on my credit report for something I did not receive the service for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # 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 2022-02-02
Company: Fay Servicing, LLC
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: Account information incorrect

Complaint:
My ex husband purchased a property at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX in XXXX. I wasnt part of sale/never on mortgage. At some point he added me to deed. I was never on loan. We got divorced. I havent lived there at property in over 11 years. Unbeknownst to me, he let property go into foreclosure. I have nothing to do with the foreclosure. All mortgage statements are in his name only and I was never aware of the foreclosure until I went to buy a property last week and its now on my credit report bc Im on the deed. I need this removed! You are ruining my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: NV
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 recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, And Equifax did not remove the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-24
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Barclays credit card charge me for services wrongfully applied. I have tried to resolve the problem since XX/XX/2022. I have been verbally abused and even disconnected various time. I have also called and spoken to various employees from XXXX XXXX XXXX XXXX XXXX and from cfpb.gov/debt-collection and nothing has been done. It has been 9 months and Im still being harassed by the credit card company and being charged late fees.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: DE
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:
Iam writing to delete the following information in my file. The items I need deleted are listed in the report. Iam a victim of identity theft due to home robbery and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision, and I also enclosed copies of the Federal Trade Commission 's Identity theft affidavit. Please delete as soon as possible.

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 2021-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX today I contacted XXXX XXXX regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from XXXX XXXX requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit 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