BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Balance : {$630.00} ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 2023-06-09
Company: ENCORE CAPITAL GROUP INC.
State: KY
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:
My check is getting garnished right now, they have already taken out well over {$1000.00} for a debt they claim was over {$900.00} and I asked them to give me the account number that was supposedly mine. It was suppose to be a XXXX Account that I defaulted on and the debt collector who purchased the debt is Midland Funding. I have contacted Midland Funding and requested my account number associated with the debt. The account number they gave me has been verified by XXXX to not even be a XXXX Account number. XXXX has verified my actual account number and said the CURRENT DEBT HOLDER of my account is not even Midland Funding and the actual amount is only {$410.00}. I have already emailed and called Midland Funding and their lawyer who is representing them to request the bill of sale from whoever they purchased the debt from and just anything to verify that this debt even actually belongs to me, they have yet to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are : 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 XXXXXXXX, GA XXXX The CORRECT Phone Number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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: Was not notified of investigation status or results

Complaint:
I am writing to file a complaint against Equifax regarding their failure to properly investigate my disputes, as well as their violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I submitted a dispute by mail to Equifax, outlining the inaccuracies on my credit report related to the accounts from XXXX XXXX XXXX and XXXX XXXX. In response, I received a letter from Equifax dated XX/XX/2023, stating that they were unable to process my dispute due to the inability to verify my identity. However, I had provided a copy of my photo ID, social security card, and proof of address as requested. Despite this, Equifax did not proceed with the investigation of my dispute. 

In an attempt to rectify the situation, I resent my dispute to Equifax on XX/XX/2023, hoping for a prompt resolution. However, to my disappointment, I never received any response from Equifax regarding this dispute. 

In light of the lack of communication and response, I sent additional disputes to Equifax on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Despite these multiple attempts to seek resolution, Equifax has failed to conduct a proper investigation and has not provided me with the results of their inquiry. 

One of the disputed accounts is from XXXX XXXX XXXX, and I have not received any information properly validating this debt. I believe this debt to be inaccurate, and without proper validation, it should not be reported on my credit report. 

The other disputed account is from XXXX XXXX, which is reporting inaccurately as an installment loan with a remark that I was previously 60 days past due. I can confirm that I have never had an installment account with this creditor, and this information is erroneous. My direct disputes to XXXX XXXX have been returned as undeliverable multiple times, indicating that this debt is unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Block, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase on XXXX on XX/XX/2023 for XXXX. The purchase was cancelled and refunded immediately ( within the hour ) by XXXX due to a booking error. Cash App is refusing to release the funds blaming it on the merchant. They requested documentation to prove the cancelation and I provided the official documentation recieved by XXXX showing the date, charged amount, the refund, and {$0.00} balance due. Cash App still insists their is nothing they can do and insinuates the refund is unknown to them amd that I must wait on the merchant, XXXX, to resolve it but XXXX has advised they have already processed the refund and that Cashapp should have released it already. Ive never had to go through this with Cash App before and have never had any chargebacks or an other irregular activity on my account so I dont understand why they are holding my funds. I would like someone to look into my account and resolve this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several invalid and erroneous medical bills have been sent by the University of XXXX XXXX ( XXXX ) Hospital and XXXX XXXX XXXX to Transworld Systems , Inc a collection agency. The accounts are deemed inaccurate due to the fact that XXXX Hospital and XXXX XXXX XXXX have inaccurately billed for unknown services. Several requests have been made to both Transworld and XXXX for detailed cost information to support the various accounts in dispute. To date, I have only received back-up data for account # XXXX on XX/XX/XXXX and subsequently paid in full on XX/XX/XXXX [ see enclosure ]. This matter has been ongoing since XX/XX/XXXX. I have spent an enormous amount of time trying to resolve this issue with XXXX and Transworld. I have been going in circles with both companies as XXXX will not provide information or discuss the information as they state the records have been sent to collections. Transworld states they do not have any additional information and that I must contact XXXX to obtain copies of the records. This issue has negatively impacted my credit report and score. 

I have not received supporting information for any of items listed below. After disputing the various collections, items 1 through 4 were previously removed from my credit report ; however seem to have resurfaced. Considering the negative impact item 5 was having on my credit score, I went ahead and paid in full without ever receiving any back-up documentation. 

The records in question are highlighted in the attached credit report. 

1. XXXX XXXX in the amount of {$200.00} ; no supporting data 2. XXXX XXXX in the amount of {$200.00} ; duplicate charge 3. XXXX XXXX in the amount of {$200.00} ; duplicate charge 4. XXXX XXXX in the amount of {$520.00}. Paid XX/XX/XXXX 5. XXXX XXXX in the amount of {$920.00} ; no supporting data Paid XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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:
My XXXX loans are being reported on Equifax and XXXX with one erroneous 90- day late payment in XXXX XXXX  ; there are no prior late reporting and my loans were in deferment at the time. I have tried on numerous occasions to dispute the items on my credit report, but there is no change to the reporting that addresses this specific issue. The loans are all broke down separately, so it shows as 19 separate 90 day late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Premium Credit Bureau
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: Account status incorrect

Complaint:
On XX/XX/2019 my credit was run to determine my ability to purchase a new home. On my credit report is an old Mortgage that was foreclosed. However, this is an old account and should no longer show as being open. I need this taken off my credit report as being an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX 
XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to bring to your attention an error in the reporting of a joint loan account that is affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to have accurate, complete, and up-to-date information on their credit reports ( 15 U.S.C. 1681 ). In light of this, I kindly request your assistance in rectifying this matter. 

I took out a loan jointly with XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX, but it has come to my notice that this loan is reported only under my name in the credit bureaus records. This is not in line with our agreement with the lender, which clearly stipulates that this is a joint account. 

I kindly request that the CFPB facilitate the correction of this error by ensuring that : 1. The account.XXXX XXXX  account number : XXXX date opened XX/XX/XXXX is accurately reported as a joint account in adherence to the FCRA 's provisions concerning accurate reporting. 
2. XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX is added as a joint account holder and this information is reported to all the major credit bureaus, honoring our initial agreement with the lender. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the accurate representation of this account in line with the FCRA provisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: BANK OF THE WEST
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX wis excited and she message me on my XXXX message out blue that she won and told me that my name was on the list I must sign up i sign up fill out form from XXXX Banker email XXXX ( deaf XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ) He told me that i won winning check XXXX He been telling me to buy gift card and money I have no idea why I started to do that XXXX told me to buy i will get my money back to pay off my bills and need XXXX XXXX to get my winning check my credit card will not let me I knew something not right and i stop and we file police reports 6 times and i went to my bank that we change our checking account and my bank told me that that fraud people took my money out my checking account {$3200.00} out to paid XXXX XXXX and they turn down went back but we never came back that was not authorized ... that money went to Bank of West that is not my bank my bank is mainstreet XXXX  XXXXBank of West try to paid my credit cards bills they don't accept their payment Bank of West that where froud people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
I sent in my check for my mortgage payment inXX/XX/XXXX There was an issue reading the check numbers written and Mr. Cooper was unable to process full payment. Mr. Cooper never notified me of the problem till the following month. Once I was notified of error I resubmitted payment. They waived the charge of the late fee because they never contacted me on issue. A few months later my credit score went down and I found out Mr. Cooper reported me as a late charge which was incorrect. I called Mr. Cooper and they told me to send and email and they would undue the hit on credit score. I have emailed them 3 times and no response. Manager at Mr. Cooper said it has to go through email and nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Account information incorrect

Complaint:
XXXX : Account number : XXXX, Last reported dates should be the same per bureau.This is an unverified account. There are also inconsistencies accross the line items for Date Opened, High Credit Amount, Credit Limit, Date Last Active, and Account Type-Detail. For example with regard to Last Reported Date I see that the Last Reported is showing XX/XX/2022 for XXXX, XX/XX/2022 for Experian, and XX/XX/2022 for XXXX. Additionally, the two year payment history doesn't overlap. This clearly goes against my FCRA rights. 
unverified account. 
XXXX XXXX : Account number : XXXX, Each bureau is showing a different Date last active, Last Reported Date, Date Opened, and Date of Last Payment. For example Date Last Active is showing XX/XX/2022 for XXXX XX/XX/2022 for Experian XXXX/XXXX/202 for XXXX. The two year payment history is a mess and non-consistent. This is an unverified account that I have previously disputed. I see this account is still not remove.

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 2023-07-05
Company: Experian Information Solutions 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:
I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My birthdate is XX/XX/1980, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-01-01
Company: U.S. BANCORP
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
US Bank fails to correctly support XXXX. I setup an auto transaction and US bank sent me a confirmation email 3 days prior and when time came it was wiped out with no record. I called customer service and they they can say is that there is no record. Attaching confirmation email for setup if 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 2023-12-13
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/23 I wrote Equifax to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. I never heard back from Equifax.

Company response to consumer: Closed with explanation