BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. 
No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. 
I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. 
XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$360.00} As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-03-21
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Cash app took my stimulus and put it into a Bitcoin account. Because i contacted then via cash app cash support. Someone called me i followed his instructions and i haveca video i would love to send but its not letting me because you can see this huy operate my mother 's phone by themselves and clearly see him take my XXXX $ stimulus check and put it into Bitcoin. Alse watch him remove my moms information off her cash app account then tell her not to get on it until he calls the next dayband were still dealing with this XXXX. Ive senf there support emails after email no reply i hop yall can get my stimulus check back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Valentine and Kebartas, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a letter in XXXX 2021 from Valentine and Kebartas stating they were asked to assist in collecting an alleged debt owed. I sent a cease and desist letter by certified mail to Valentine and Kebartas on XX/XX/21 and I received notification it was delivered to them on XX/XX/21. On XX/XX/21 I received another letter in the mail from Valentine and Kebartas dated XX/XX/21, 4 days after my cease and desist letter was received. This company clearly does not know what a cease and desist letter means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from XXXX report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Ex received a letter from CCSXXXXXXXX  ( Credit Collection Services ) about a debt owed to XXXX XXXX My ex lives on an address that i've never lived on, the letter had her address but MY name on it. We both have NEVER used XXXX XXXX. 

Talking to CCS they seemed sketchy and not providing much data. I've informed them that I'm not paying the debt and would like a debt verification letter with their proof that it's my debt. 
They couldn't give me any information about the debt and informed me i should call XXXX, they tried to patch me through to a number that is not registered with XXXX I called XXXX customer care and informed them about this. They informed both me and my ex that no money is owed and that there was no history of this either. 
I called XXXX fraud department and they've concluded the same and told me it was most likely a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
[ XX/XX/2023 ] To Whom It May Concern : Please note that under Section 1681c of the Federal Fair Credit Reporting Act, you are obligated to delete obsolete information from the consumer credit report of the undersigned. The following account list : [ Chase Credit Card XXXX ] This information is obsolete and should no longer be appearing on my credit reports ; please delete it. 

This information is outdated, and obsolete and should be deleted immediately from your credit files. I anticipate your immediate attention to this matter. 

Truly Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In support of my dispute for an old student loan, I sent Experian the document they requested that showed all 15 of my current student loans in " Paid As Agreed '' status. Again, this was a document THEY requested. I sent in through the documents upload website, listing my dispute number as a reference for the document. 

Experian then proceeded to open 15 new disputes in my name, one for each of the loans. I called back frantically and canceled them, saying they made a mistake. The agent canceled them. 

I got 15 new emails an hour later saying XXXX had opened 15 new disputes in my name for the same loans, because of Experian 's mistake. I was unable to cancel the disputes with XXXX, they told me they had to let them play out - which they quickly did, within 24 hours. 

The very next day, I received dispute numbers from Experian for 15 ADDITIONAL DISPUTES for these loans. I called back again to cancel, and was left on hold for 1 hour and 19 minutes and disconnected, with no further word. I have proof of this. 

I called back the next day and cancelled the disputes with someone else, who blamed me for opening them and tried to make me feel like I did something wrong. She was able to cancel all but four disputes. During this call, guess what happened? I got 15 new dispute numbers from XXXX  - AGAIN - who opened them because Experian did, again. So now I've got both credit bureaus running around thinking I've lost my mind with all these disputes. 

You'll never guess what happened next, after I hung up with the Experian agent. Within the hour, those 11 disputes were opened back up AGAIN. I absolutely refused to call back and deal with this. XXXX in the meantime, put " re-disputing '' comments on my accounts on the report and caused my score to drop 20 points. I have given up trying to fix this, and spent two days sick from the stress of dealing with Experian. 

Experian has wasted almost 8+ hours of time with this false activity, which they admitted was a mistake and would take up with their agent. However, I still have open disputes with both Experian and XXXX, and my loan servicer thinks I'm insane. Thanks, Experian!

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected 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 2022-03-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax knowingly altered my name despite legal documents verifying my name and identity. They emailed the wrong last name and refused to update their records. Faxes and physical mail were sent with drivers license and SS card yet they are the only credit reporting agency refusing to acknowledge the fact that they have the wrong name. I also disputed an address that they refuse to update. Both the name and address are associated with an ex-husband. Divorced almost ten years. I am XXXX ( the one and only ) not a representative I am genuinely concerned as a DV survivor about their business practices. 

Most recent fax sent XX/XX/XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account being reported on my account stating it opened XX/XX/2021. I do NOT have any recognition of this account. But i was a victim of identity theft during this time frame. Someone stold my wallet and completely gained full access to my personal identifying information such as my california identification card and my social security card and opened this account fradulently online without even going thru any sort idenity verification. process. I do not recall ever having any transactions using this bank. PLEASE REMOVE THIS ACCOUNT IN ITS ENTIRETY FROM ALL 3 CREDIT REPORT AGENCIES> PLEASE REMOVE FROM COLLECTIONS AND CLOSED ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX Credit Card {$800.00} owed.

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 2023-04-02
Company: Experian Information Solutions Inc.
State: CT
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 am writing to dispute certain inaccurate information on my credit report provided by Experian. On XX/XX/XXXXXXXX I contacted Experian regarding the following discrepancies but to date, I have not received a response from them. Please consider the following : I dispute the account listed as XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXXXXXX  Balance : {$1400.00} ) because the original creditor is XXXX XXXX XXXX and not the one you have indicated. The balance of {$1400.00} is inaccurate and higher than the amount I believe I owe. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ) because the original creditor is XXXXXXXX XXXX XXXX and not XXXX XXXX. The balance of {$570.00} is higher than the amount I owe, and I do not recognize this amount. I request that you verify the following dates : Date Opened and Date of First Delinquency. 
I dispute the account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) because I have never had a contract with them. The original creditor was XXXX XXXX. The balance of {$270.00} is higher than the amount I remember. I request that you verify the following dates : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) was never late. Please update this inaccurate information on my credit report. 
XXXX XXXX XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit  : {$320.00} ) was never late. Please update this inaccurate information on my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ). 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
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
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:
Unfortunately I dont have the dates or the amounts all I know it was originally with Wells Fargo I purchased the mortgage back in 1998 however in my divorce my ex-wife asked for the house and the judge gave her six months to get the house out of my name it took her 16 years during the 16 years I dont know how many foreclosures that were listed how many late payments how many payments she missed etc. etc. and there was nothing I could do to get that house out of my name but they keep reporting it under my credit even though they know she was the one that was on the title it was taken out of my name but it still reporting on my credit because when she did get the house out of my name she got all the money for it all the escrow all the equity everything and she still resides at that address. And thats just the mortgage theres some other debts that was in my name that she never took care of that she was supposed to have done under the judges orders.

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 2021-03-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.

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 2022-09-28
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:
In accordance with 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. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: VA
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:
No consent is identity theft. I, the consumer never gave XXXX XXXX any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation