BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have found inaccurate information reporting to my credit file. Please review the following Account name : XXXX XXXX Original Creditor : XXXX Please delete this inaccurate information from my credit report immediately. 
Once you have completed my request, please send me a copy of my credit report reflecting these changes. 

I contacted transunion by certified mail they refuse to investigate claiming they weren't sure if the letter was from 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 non-monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
I have been disputing erroneous information with Equifax, XXXX, and XXXX regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked XXXX XXXX XXXX for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX Synchrony Bank

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 2021-01-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing erroneous information with XXXX, XXXX, and Transunion regarding accounts that were a result of identity theft. I submitted the identity theft affidavit that showed these fraudulent charges happened to accounts that I had. I attached the police report, identification, etc. I have submitted a XXXX Letters and also sent letters for Method of Verification. The only thing that consistently comes back is verified. One credit bureau is actually reporting these accounts in good standing while still stating it's a chargeoff. I have sent copies of the police report. id theft affidavit, state-issued id, all documentation, and only receive credit reports back saying verified or they will ask for the same information all over, The same regarding my personal information. None of the credit bureaus have complied with the FCRA regarding providing me proof and copies of what's in my file regarding these accounts.

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 2021-05-05
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. 
I demand that the following accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to the Huntington Bank in XXXX Michigan to open a savings and checking account on XX/XX/2023. The account representative order checks for me. I was told it would take 10 working days at least to get my debit card and the checks. I finally received the debit card and tried to activate it. It was unsuccessful the numerous times I tried. It was noted to call the customer service line. When I did I was told that they could not activate the card as well. I was finally told that they were in the process of closing the account. When I ask for the reason they said I would receive a letter explaining the whole situation. I have still not received suitable answer or letter telling me that the account was being closed. I have {$3500.00} in the bank account and I asked if I could go and retrieve my money. They said no that they were in the process of closing the account. Over a month has passed they have not sent any information to me nor have they called me after numerous calls that I placed in the XXXX branch. I am a senior citizen only on social Security. The money is very important to me and they will not give it to me. The money consisted of a check that was written to me for {$3000.00} by my daughter through the XXXXXXXX XXXX. In addition I deposited {$500.00} cash. The check did clear and I received a letter that it had and that the account was supposedly open for me to use the funds as of XX/XX/2023. I continue to get emails asking me to activate my debit card. My last call that I made to Huntington Bank XXXX branch told me that they too are kept out of the loop. They did call regarding the account closure and was given to the fraud department. The lady at the bank told me that I was a double victim and she would try to find out better information for me and she would call me. She did tell me that according to the information on file my money would be held through XXXX XXXX or XXXX. To me this is criminal and they are holding my money, charged me for checks that I can't use {$21.00} and I still have not received a letter of explanation from them. The XXXX branch has been most helpful and sympathetic however the main branch or the fraud department is highly unprofessional it has yet to contact me. I need my money to pay my taxes which are now late because of the bank and regular living expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-02-23
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: Account information incorrect

Complaint:
There is 3 companies that I reached out and made a settlement with : ( A ) XXXX XXXX ( B ) XXXX ( C ) XXXX But I see it on my records as derogatory status. All 3 agencies have it and they need to update their system

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 2023-10-02
Company: LD Holdings Group, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to LOANDEPOTXXXX  LLC XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On the morning of XX/XX/2021, I spoke to representative in the claims department with Bank of America. I was calling to follow up on the status of the claim as well as speak to a supervisor in the risk closure department. I was told by the representative in the claims department that because the funds came from the Department of Treasury, I they were not able to hold my money regardless of the status of the claim nor the status of the pending closure on the account. I was then transferred to the risk department in which I requested to speak to the supervisor. I was told that they could see that the request was submitted but there was no word on the status and that the department was still closed and I was to call back within a couple of hours. Also, the representative from the risk closure department submitted another request in which he specifically stated that the funds came from the Department of Treasury. Bank of America still will not release my funds. I have spoken to four different representatives at this point, in which one was a supervisor and they have given me conflicting information. None of which I can understand. when I spoke to the second supervisor, they told me that I will be receiving a cashiers check but they do not have a time frame in which I will be receiving it.

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 2021-01-07
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent is trying to collect a debt that I do not owe. Please send billing statements and proof of account with XXXX XXXX and the date opened and closed. This company has not validated the debt and another person was responsible and had billing statements in their name. If this is not removed from my report I will sue you in CT small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought an XXXX XXXX from XXXX online using my paypal credit account, in XX/XX/XXXX week XXXX. I recieved the unit and let them know that I was skeptical about the quality and useability of the XXXX. I reached out to XXXX and they said ok and agreed to refund the payment. to paypal. I went on paypal website and filed a dispute claim to get the charges off of the account. I submitted all of the required email traffic and paypal reverse the charges initially but a month later they refiled the charges saying the merchant had disputed the charges. I called paypal and they said I needed to submit another disagreement. So i refiled all the same email traffic, i have no confidence that these people are going to do what they say, just trying to hope I forget. I have the email from XXXX saying refund will be done in 5 to 7 days.

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 2023-10-19
Company: EQUIFAX, INC.
State: MO
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 received a notification today from XXXX that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Credit Systems International, Inc.
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by XXXX that my credit score dropped, that a debt collector was trying to collect {$430.00} from an energy company in XXXX, TX, in XX/XX/XXXX. This was the result of fraud. Someone has my social security number, address and other information and opened an account and didn't pay the bill. The fraud occurred roughly a year earlier in XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX or authorized anyone to do so. 
I contacted XXXX XXXX to explain and they asked me to file a police report and send them the reference number. XXXX XXXX has this information. I have not heard anything from XXXX XXXX or XXXX since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
reached out to midland credit management over the phone on XX/XX/2020 @ XXXX XXXX  about them reporting information on my credit report thats doesn't belong to me. i asked them for validation of the debt NOT verification of the debt. 

Im requesting this company provide documents as stated in the letter i sent out on XX/XX/2020, which they have 30 days to provide me with the request that i asked for this company has violated my rights by reporting on my credit report before i had the chance to request for VALIDATION NOT VERIFICATION of this debt. 

im requesting this company to remove information from my credit report, due to insufficient valid information. 
also code 1692e ( 8 ) this company has not reported that this account is being disputed documents of what was purchase, detailed invoice of how they cam up with this amount. 

purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: World Acceptance Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Read the attached complaint document for the full description. Your company has dishonored this agreement by charging me in an excess of the maximum APR yield percentage allowed by the state of Mississippi. I have tried to contact and dispute this with your XXXX XXXX XXXX, XXXX and I have not received a response from your company yet. Your company has been reporting information to the consumer reporting agencies without my permission and violating the law about reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Our Wells Fargo Visa card was charged on a card number that had been closed. We closed this card because we began to question the integrity of our contractor. Visa authorized the charge on the card that we had closed.

We hired a contractor ( XXXX XXXX XXXX - XXXX, GA ) to paint the exterior of our home. We paid a deposit of {$2100.00} ( on our WellsFargo credit card ) on XX/XX/2018. The contractor ( XXXX XXXX XXXX - XXXX, GA ) did not finish two portions of the job.

Number one he debated that they provided this service, even though it is detailed in his proposal. Number two, the contractor admitted that this was never completed and he agreed that it would be taken off of the final balance.

1. Perform complete and extensive surface preparation including sanding of all peeling paint and re-glazing of all windows where glazing is loose and/or missing. ( Part of the Painting portion of {$3600.00} ) 2. WOOD REPLACEMENT = {$570.00} Replace ( 2 ) 2x10 on garage. Replace ( 2 ) 1x4 on front garage. Replace 27 feet of lx8 and drip cap on right side. Replace 1 sill nosing with PVC on front right lower window Replace 16 feet of fascia on right side On XX/XX/2018, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged another {$2100.00}. The job was not finished and not signed off on. Plus, he charged us the full balance when items one and two were not compete. The total job was XXXX less the deposit of {$2100.00}, less {$570.00} ( wood replacement - which was not done ), the total should have been {$1400.00}, when the glazing was complete. So, complaint is two fold. First, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged the card without authorization and without completing the project. Second, he overcharged the balance by {$700.00}.

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