BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going to buy a car and I pulled up my XXXX XXXX, Trans Union,  XXXX and XXXX credit report found XXXX XXXX #  XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, OH 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 2023-10-28
Company: EQUIFAX, INC.
State: CA
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 sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have been disputing a XXXX XXXXXXXX XXXX Account listed on my Transunion report as being sold to XXXX XXXX credit report since XX/XX/2021. After Each dispute I get a letter stating the account has been verified. In XXXX I sent XXXX a debt validation letter and since the account could not be validated it was removed from my XXXX Credit Report. I contacted Transunion and made them aware that the account could not be verified and needed to be removed off of my credit report. Transunion responded by saying that the account is verified and refuse to remove off of 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: OH
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding XXXX XXXX XXXX XXXX, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with XXXX XXXX XXXX XXXX, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and another letter by U.S. mail dated XX/XX/2022 which was my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I emailed them information XX/XX/2022, after speaking with one of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with XXXX XXXX XXXX XXXX. I received two letters from XXXX XXXX XXXX XXXX, both dated XX/XX/2022, three months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

XXXX XXXX XXXX XXXX has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer XXXX XXXX XXXX XXXX is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, 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 2022-02-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of EducationXXXX with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of Education/XXXX  debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that the Department of EducationXXXX has no standing at law against my superior title and ownership over my name 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 2023-02-17
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it once again, There are accounts that need verifying that are still in my report here is the account that needed investigation : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00} These accounts are inaccurate, I did not incur any late payments. Please update to pay on time.

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 2020-03-20
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have three collections accounts reported on my XXXX   credit report which are not mine and are falsely reported in the amounts of {$1600.00}, {$320.00} and {$740.00} by AARGON. I have submitted several disputes via XXXX  online and provided sufficient documentation proving that I do not owe this debt. 


Below, you will find recorded correspondence to which I documented, providing the hospital with my information SEVERAL TIMES to bill my insurance company and they still failed to do this on time within the timely filing window. I do not authorize XXXX hospital or any of their contracted medical providers, physicians or nurses to release my medical records to XXXX  or AARGON. 

I have disputed these debts several times and have asked for proof of debt several times, through the XXXX Hospital medical billing department and they have not provided proof that I owe the debt. They say that since they have sent my accounts to collections, they no longer have my medical records on file. With that being the case, how can they possibly prove that I owe the debts when they don't have my records on file anymore? 

Below is my documentation of providing insurance info on time : XX/XX/17 : Nurse named XXXX asked for my insurance info and I told her I was covered by XXXX  under cobra. My insurance info should have already been on file since I recently was at the hospital on XX/XX/17 and XX/XX/17 under the same coverage XX/XX/17 : Discharged from the hospital XX/XX/17 at XXXX : XXXX Spoke to XXXX at XXXX and provided her with my insurance info XX/XX/17 at XXXX : Emailed a help ticket claim through XXXX  website since I have not heard back from XXXX Hospital billing XX/XX/17 at XXXXXXXX XXXX 
XXXX Called and left a voicemail and asked for an update on whether my insurance info was applied to my outstanding hospital bills. Did not receive a call back or any updates XX/XX/17 XXXX XXXX Called XXXX  since I got a letter in the mail saying I might be eligible for medical grant. Spoke to XXXX, and she told me she could not help me since I am insured. 
XX/XX/17 XXXX XXXX Called business center and spoke to XXXX Spoke to and she verified my information and said she was sending it to the hospital so that they can bill my insurance, XXXX  XX/XX/17 XXXX XXXX  XXXX XXXX called me back, we are looking into the various claims and she sees on her end that I should be receiving updated bill for my claims. My insurance information is visible on her end.

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 2022-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received an email from Chase Ultimate Awards on XX/XX/XXXX saying I had until XX/XX/XXXX to book a flight I had previously canceled. I wasn't aware I had a travel credit until the XX/XX/XXXX email which was 2 weeks before it expired. I followed the link and flights were over XXXX I called the Chase number and spoke with a rep in XXXX for 40 min and the rep told me it was extended out to XX/XX/XXXX and I would receive an email to verify. I received another email today from chase saying credit expires on the XX/XX/XXXX. No email from the previous chase rep as promised. Called back again today, XX/XX/XXXX, spoke with another agent in XXXX and after 30 minute, she confirmed it was good until XX/XX/XXXX. I asked her to send me an email to verify while I was on the phone as the last rep didn't and she said she couldn't send anything and sent me to her supervisor. His name is 'XXXX  '. He told me it was only good until XX/XX/XXXX if I had an XXXX XXXX travel number, which I don't. So both agent gave me the incorrect info and after speaking with XXXX for another 30 minutes, he said as a one time courtesy I could purchase 2 new tickets with the same airline and same passengers, send them to statement and they would credit the difference or just have the entire amount credited. I chose the credit and he said I would be contacted in 14 days with a response. I requested some sort of verification we had this call, some way to reference it and he refused to give me anything but his name, 'XXXX ' and a reference number. XXXX # XXXX Almost 2 hours on the phone and still no actual resolution and highly doubt I'll get an email from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX from Wyndham capital mortgage called me on XX/XX/19 or XXXX about lowering my mortgage rate. He asked a lot of questions which I answered then 15 min later he asked for mine and my wife 's ssn. I said I didn't feel safe giving them over the phone so he said he'd send me some paper to look at and if I wanted I could fill them out and send them in to him. I received the papers via FedEx and somehow my ssn is on them. I don't know how he got it but he did and now I don't know if he ran my credit or stole my identification. I thinking about getting a lawyer involved if some one don't give me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Kohls/Cap One # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/ I checked my citicards.com dividend card balance and noticed that they had approved me for a credit line increase. Also during that visit, Citi claimed I could use the new credit line increase for a balance transfer at 0 %. I took them up on their offer and transferred an additional balance to my card. I incurred an approx. {$180.00} fee. 

On XX/XX/XXXXI received a letter from Citi explaining that my credit line was erroneously raised and now I owe in excess of {$6000.00} by this month 's ( XX/XX/XXXX statement ) due date. 

This is where the fun started. I called CITI ( call center 32 - somewhere in Missouri ) and reached XXXX and XXXX ( the supervisor ). I informed XXXX that I would pay the balance, but wanted my {$180.00} fee back before my payment. I had to explain it to him again as he did not grasp the situation. I then asked to be transferred to a supervisor. XXXX, the Missouri call center 32 supervisor - at an undisclosed location, without an employee ID number- explained to me that only after I pay back the {$6200.00} dollars will I get my fee back. He stated that he would do so as a " courtesy. '' Remember, they erroneously raised my credit line and allowed me to balance transfer on the portion they took away. 

I then asked to be transferred to XXXX 's supervisor - at Missouri call center 32 - in the unidentified location - where no-one has employee IDs. XXXX stated that XXXX - the supervisor was currently in a meeting and unable to speak. I asked to hold, but XXXX stated that the phones only hold for 60 minutes. XXXX the supervisor - at Missouri call center 32 - in an undisclosed location - where no one has employee IDs must be a very busy man. 

So, as a customer for over 21 years, I want the balance transfer fee waived - a fee that really was never in existence because of CITI 's error. I want it done before I pay them > {$6200.00} this month also because of their error. Contrary to XXXX 's claim of showing me courtesy, Citi has shown me nothing but disdain on-top of their incompetence..

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 monetary relief
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX account should NEVER have been reported late, in the year of XXXX. The Lender did NOT include my apartment number on my bills. After disputing these late payments multiple times with no success, I reached out to the XXXX of XXXX XXXX, explaining my issues. 

After further investigation, the XXXX had agreed that the two 30-days late charges payments were no fault of mine. They realized that they were at fault, so I was issued a refund check for all the months that I was charged a late fee. 

According to the Lender, they had submitted an AUD form to Equifax, XXXX, XXXX, and XXXX, requesting that they update late payments for XXXX and XX/XX/2018. 

Equifax is the only Credit Bureau that has NOT updated the TWO late payments thats being reported. I had uploaded all the documents that the Lender sent me when I disputed the late payments again, but still had no luck with Equifax updating the two late payments. The other Bureaus updated the reporting without any issues.

I have attached the following : Lenders letter apologizing for missing and/or delayed bills.

Lenders letter # 1 sent to Bureaus. 
Lenders AUD form that was sent to the Bureaus. 

Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Looking over my credit report I noticed an account that didn't belong to me with the high balance that is still active it is not mine I never applied for it and I think my ex-wife pretty sure my ex-wife did it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 i file a dispute with CONVERGENT OUTSOURCING for {$900.00}. I explained to them that it was not me and i didnt open this account. member denied my dispute after i provide to them i didn't open the account. i never had XXXX until 2022 and i still have that account. this is a old account and it was open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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