BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-01
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  has held some inacurate inforation on my credit report and wil not remove or delete : XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXXXXXX Unverified Account-NOT MINE XXXX XXXX  XXXX Unverified AccountI NOT MINE XXXX XXXX XXXX XXXX Unverified AccountI NOT MINE XXXX XXXXXXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXXXXXX XXXX Unverified Account- NOT XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account- NOT MINE Unverified Account Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX  XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX/XX/XX/18 Not Mine. 

THE FROLLOWING ADDRESSES : Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not 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 explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NV
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:
This is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 while making a purchase with the cashier, I was asked if I have a rewards card where I earn points for my purchases. I said no. I asked was it a store card because I didn't want one, I was very specific about that. I said I had been working on my credit for two years and I didn't want a hard inquiry nor a credit card. The cashier said " oh no, it's not a credit card. It's for reward points when you make future purchases. When I entered the information requested on the key pad, one of the questions was my social security number. I asked him why is that a question? He stated " oh it's to make sure the points are given to the right person and no one claims your reward or discount ''. Once I paid for my purchase and was leaving he says " oh this is your receipt and booklet ''. It was a store credit card booklet. I confronted him about lying to me and says " oh don't worry about it, just don't use it! ". I was lied to, mislead, deceived and my credit now has a hard inquiry on it that I didn't want. All for the sake of his quota to get people to sign up for a XXXX store credit card. 
Synchrony Financial was contacted immediately and it will take 30 days to resolve! XXXX at XXXX XXXX, XXXX, MI XXXX on XX/XX/2023 at 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 2017-08-10
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: Public record information inaccurate

Complaint:
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!!
Amount : {$2700.00} Reported XX/XX/XXXX Filed XX/XX/XXXX XXXX County Superior Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: CA
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, First off, I was never served. I did however, receive notice of a wage garnishment so I made arrangements with all documentation of my personal debts to appear in court. I sat in a courtroom which was noted where my case would be heard, then not realizing I was given the wrong court room number until court hearings were completed. When asked, bailiff directed me to court room office to inquire. Come to find out, I was in he wrong court room number and when I reported to correct courtroom, I was told my case had been heard and there was nothing I could do about it but that my garnishment was lowered to Winn Law Group, XXXX, Ca. I just feel as though I was unjustifiable taken advantage of without any evidence provided to me of debt amount and due to the financial hardship, I had no choice but to sell my home of 20 years before I could lose out on equity of home. 
In addition, I experienced unethical situations with hired real-estate agent from XXXX XXXX, unsure ( possibly XXXX or XXXX ), Ca. Started off as I hired him and as the 6-month time-frame came to closing, he unethically acted as though he was hired by buyers and did not communicate with me. Instead had wife participate in communication. Was asked by her to sign disclosures but I never did sign, so if on file, would be forgery. 
As well as escrow officer, at first was told, she could not assist with any assistance in signing or advise but then as closing approached and I arranged to meet up with her to present notarized documents, she was quick to assist me with completing FIRPTA, Real Estate Transfer Disclosure Statement and other documents at XXXX XXXX in XXXX, Ca. Whom also asked to sign off on XX/XX/XXXX Real Estate Withholding Statement because I was previously presented and signed off on the wrong one for XX/XX/XXXX. I never signed anything, therefore, if on file, would be forgery. 
I thank you in advance and can present any documents required. Please feel free to contact me if needed ( XXXX ) XXXX. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
I recently reviewed a copy of my credit report and to my surprise there are several accounts on my credit report that don't belong to me. I have never applied for these accounts, I never used these accounts and, I never received any benefits or goods from these accounts. The accounts listed below are all a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$500.00}, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX, Email add : XXXX - XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$65000.00}, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, Email add : XXXX XXXX XXXX XXXX XXXX acct # XXXX, Date open XXXX, Bal : $ XXXX XXXX XXXX, IL XXXX XXXX XXXX, Email Add : XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX, Date open XX/XX/XXXX, Bal : {$67000.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, -XXXX XXXX XXXX XXXX, acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX, Email Add : XXXX -XXXX XXXX  XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$35000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, Email add : XXXX - XXXX XXXX  XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX, Email add : XXXX -XXXX  acct # XXXX, Date open XX/XX/XXXX, XXXX : {$1400.00}, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$2800.00}, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, Email add : XXXX XXXX XXXX XXXX, acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, acct XXXX XXXX, Date open XX/XX/XXXX, XXXX : {$2500.00}, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX Date open XX/XX/XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Email Add : XXXX XXXX XXXX acct # XXXX, Date open XX/XX/XXXX, XXXX : {$75000.00}, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Email add : XXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I contacted I C SYSTEM, XX/XX/XXXX in regards to a collection account that is on my credit file showing I owe {$180.00} for a XXXX Account from XXXX. I being charged for equipment that I returned

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 2023-05-31
Company: EQUIFAX, INC.
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:
To XXXX Equifax XXXX When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: TX
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 bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX : Account number : - XX/XX/2019 Account Number : XXXX Account Name : XXXX XXXX XXXX : Account number : - XX/XX/2019 Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BAM Management US Holdings Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I created an account with Binance US, the URL for this service is : https : //www.binance.us. I have deposited several XXXX dollars with them over the last few months. This service serves as a so called " Crypto currency exchange ''. After about 2 months of having the service, I logged into see that I could no longer withdraw any funds from my account. The reason given for this was that a XXXX USD transfer had been rejected from my bank. 

I contacted my bank and they stated that nothing was wrong on their end. I read through the support help information from Binance US and followed their direction exactly to fix the issue. I deposited more cash from my bank account in the form of a debit card transaction, and " low and behold '' XXXX dollars exactly was deducted from the XXXX I had deposited, however, my account still remains locked. 

My account has now been locked for nearly 2 months. I have submitted 5 support tickets and received at least 4 ticket numbers each. I have attempted to reach out to the company via the online forums : XXXX, XXXX XXXX, and email. Additionally I have filed a compliant with the XXXX ( XXXX XXXX XXXX ). The XXXX attempted to contact them for nearly 3 weeks to no avail. 

I have read multiple instances of people depositing large sums of money into this service, and then due to some " banking error '' their account becomes locked. This is clearly a scam that has been using " Binance '' which is an actual reputable " crypto exchange '' in the form of " Binance US '' in order to scam people. I dont have as much as some of the other people being scammed, but I do have nearly a XXXX USD in there that I want out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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 status incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX has repeatedly provided misinformation on my credit report over the course of the last 12 months. 
- XX/XX/XXXX flagged as past due 30 days - incorrect as there was no payment owing - XX/XX/XXXX reported i owed {$5600.00} which was false and an incorrect amount- XX/XX/XXXX flagged a 30 Days past due requesting {$1000.00} x 12 payments per month ( {$13000.00} ) which is an incorrect amount and an attempt to collect an amount over 2x any outstanding balance- XXXX XXXX reported as 30 days past due. ( payment was made before the XXXX XXXX ) The lease agreement states the payments are due on the XXXX of each month so therefore any payment made on or before the XXXX of the following month is indeed within 30 days. 

I have attached the agreement and the log of payments which I agreed during the Covid 19 pandemic i would be making the following month before the 30 days past due mark. 

I have reached out to XXXX Corporate complaints and Collections and Customer Service whom have openly admitted on recorded phone calls that the payments for {$1000.00} were incorrect yet they still insist they will not remove the account. 

This has been escalated by XXXX to her superior XXXX XXXX - Assistant VP of Consumer Complaints Compliance on the XXXX XXXX whom has been unable to investigate satisfactorily so therefore this needs to be escalated. I am not convinced on the legitimacy of the investigation as they show no clear understanding of the issue of any real attempt to resolve.

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 2023-06-16
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a title loan, I kept reborrowing, I thought the large payments of around XXXX were gon na go towards principle. It's all interest. If you pay before the maturity date, it only pushes your payment back.I fell on hard times when I had a loss of income.It was a really desperate decision. I feel trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was said to be close in 60 days since XX/XX/XXXX. Till now they didn't close my amount and my money is stuck because the account is blocked. I call citibank on several occasions they always said their expert will work it, My savings is in that account almost 3 months behind my rent because citibank refused to send my check, I wrote them letter, went to branch so many times, all prove abortive, on XX/XX/XXXX they sent me another letter that my account will close in 60 days, I don't know what's going on, I just want my money.. see attachment documents below 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 explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: AL
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX & XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from 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