BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/22 I sent disputed letters to remove collection since according to hippo laws they were not authorized to report my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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 submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2023-02-24
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Investigation took more than 30 days

Complaint:
I've sent disputes to Transunion regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Transunion to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number:XXXX 3. XXXX XXXX, Account Number : XXXX 4. XXXX, Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX XXXX XXXX Account Number:XXXX 7. XXXX XXXX, Account Number : XXXX 8. XXXX XXXX XXXX, Account Number : XXXX 9. XXXX XXXX, Account Number : 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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I understand that accurate and complete credit information is crucial, and I believe there are closed accounts on my credit report that should no longer be affecting my consumer credit score. According to the FCRA ( Fair Credit Reporting Act ), it is the responsibility of credit reporting agencies to provide fair and accurate credit reports to consumers. Section 15 U.S.C. 1681 ( A ) emphasizes the necessity of accurate information and states that consumers have the right to dispute any inaccuracies or fraudulent information they find in their consumer credit reports. 

I have reviewed my credit report and identified the following closed accounts that I believe should be removed : 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 2023-06-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2020-10-04
Company: The Bureaus, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, to whom it may concern, I XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate XXXX XXXX XXXX. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at XXXX recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF SURETY ACT & BOND No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF SURETY ACT & BOND NoXXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX  several times in reference to my balance not being reported correctly to the CRA I am demanding my balance be updated to XXXX as this account has been paid in full

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 2023-07-22
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank offered XXXX XXXX XXXX  miles for opening a checking account and completing {$1000.00} in purchases using ATM card and {$1000.00} in ACH deposits. According to the terms and conditions, once the offer requirements are met, miles will be credited to your account within 30 days. I opened up a checking account on XX/XX/2023 and completed the required tasks. On XX/XX/2023, I chatted with customer service and they confirmed that I had met the offer requirements. On XX/XX/2023, I chatted again with customer service and they stated that I met the offer 's requirements on XX/XX/2023. They filed a promo dispute ( YOUR CASE ID : XXXX ) and stated it should take XXXX business days to investigate. XXXX days later, I still have not heard anything from Citibank nor have I gotten the XXXX bonus miles.

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 2023-05-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Williams & Fudge, Inc
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I got a call tonight ( XX/XX/23 ) around 7. They called my cell and went right into this is a call trying to collect a debt for a debt i owned a XXXX XXXX. I said that i would like more information on loan and the amount. She said that i already know these things and that they already sent it over. I said could you send it over again i never got it, so i could verify the debt and the creditor. She said they work for XXXX XXXX and that they DID NOT PAY for the debt. I asked how that could be true since it's in collections and she gave me the ring around. I said I would look over the email they sent a week ago ( XX/XX/23 ) I felt lied to and pressured. I know my rights and i know they were not honored. 

Williams & Fudge , Inc. are the ones who emailed me and called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Card Account # XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 XXXX agreed to remove the account due to identity theft. But XXXX refuses to remove nor have they furnished documents validating the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland credit Management is attempting to collect a debt that I do not owe them. It specifically says debt buyer on my credit report, which means they purchased my personal information without my consent or knowledge which is considered identity theft. 15usc 1681e ( b ) suggests i should have maximum accuracy over my credit report and the things that they are reporting. They can not provide a binding contract between myself and Midland saying I agree to do business with them or owe them anything. Them providing copies from the original creditor is not proof I owe Midland. According to the Constitution, the only way you can pay a debit is with silver and gold! Everything they are reporting does not meet the FCRA 15usc 1692 g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. Systems placed a collections account on my credit report when I already have had this account removed 3 other times by 3 other collections. this collection is fraud and has already been proven. 

They have now caused me monetary damages by having this account placed back on for the 4th time. And now of course I have to go through snail mail to dispute this. 

Phone agents as always super rude and super unhelpful. Now my only option is to snail mail my dispute and delay me 2 more months most likelyy

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 2020-10-04
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
This is account has been paid off for years. I have information that proof these facts. I need this information updated paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America close my account because they said that I had use money and get money back from them. I didnt understand and they close my account a year ago.

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 2023-06-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX Account 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 explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the month of XX/XX/2020, only, I had no revenue from renting the spare room which covers my mortgage. I reached out to a charity organization and they paid {$550.00} of my {$700.00} XXXX mortgage payment the payment was received by PHH mortgage actually three days early and the rest of the payment of {$150.00} was received on XX/XX/XXXX, paid by myself. Instead of treating this as a normal on time payment that was sent in by two sources instead of one, they decided to take the {$550.00} and use it to pay a late fee of $ XXXX thats been on the account for 12 years. ( I will pay this $ XXXX fee on the back end since its not accruing interest or late fees. ). PHH has been aware of this for some time. Now is not the time for PHH to try to do a money  grab. They also charged me another {$77.00} in new late fees for a the payment wasnt even late, yet. I asked them to make the necessary corrections but I see they have not done it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
The credit reporting agency stated that these accounts were properly investigated and came back as verified. however, how is this true when there are several inaccuracies showing on my report? As a customer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 u.s.c. 1681i ( 7 ) Method of verification- description of reinvestigation procedure

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting 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:
My identity was stolen a while back, I received a notification from XXXX that my info was on the dark web and I was also a victim of a date breach. I contacted Transunion multiple times over the past few months to get them removed and I also placed a credit freeze and was refused help but also rudely spoken to by some customer service representatives. They have tried to open various accounts, etc. I attached my FTC REPORT as well.. the inquiries and dates are listed below : 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$25000.00}, XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account number  XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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