BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
Delete accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report as I am I victim of identity theft.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted XXXX, Trans Union, And XXXX  regarding falls/wrong information on my credit report/file there is wrong information such as my name wrong addresses and also there are multiple inquiries and accounts that each credit bureau can not verify and will 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 2022-04-21
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Receivable Management Services LLC, contacted me by phone everyday on behalf of the creditor XXXX for the amount of {$120.00}. When the representatives called me, I told RMS I don't have any funds at that time to pay. RMS stated they would note my account, but could not " stop the calls '', and it would be reported to the credit bureaus, in which they reported it to XXXX, XXXX and XXXX ruining my credit. RMS kept calling against my agreements. 
I was finally able to pay off the debt through their online payment portal. After I paid off the debt, I was not emailed or able to print out a receipt. Fournately, I was able to screenshot my payment as backup. I assumed the error of not being emailed or the option to print out my receipt was a system glitch. I called RMS customer support and was told by a representative that I would not be given a recepit, but it will be mailed to me in two weeks. I told her that wasn't true because her statements were not indicated on the RMS payment terms and agreements. As of XX/XX/2022, I have no receipt and RMS locked my account so I am not able to get into the account at all.

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 2023-04-06
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian, XXXX and XXXX were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2022-10-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Resurgent, claiming to be a debt collector, has sent numerous letters which everyone has been replied with 10 business days. 
The company has not given proof of validation, and regardless, they have reported this to my credit. 
This alleged debt was bought from a previous debit buyer and I have requested a history of this best. All I am receiving is a last statement from the situation company allegedly money is owed to. 
LvNV funding who is the debt buyer has already reported this, now this company is not only is not giving me sufficient paperwork and proof odmf debt, I have also reported identity theft to ftc, numerous time. This company keeps mailing me sets of 8 different packets each with different responses I am not going to give information or my social security asking they stop this communication method and stop the threats while they have dinged my credit. 
This account was a charge off in 2019. 
The I formation states these are not original account statements and has been provided by LVNV,. Now this has been bought and sold so many times that I have no idea where this is coming from. I keep records and letters sent to these types lf agencies. 
Although they say thus matter will be reported it already has I believe by tow agencies .please stop this .I am a spouse of an XXXX XXXX military and these people are ruining my credit Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My personal checking account with sun trust has been closed for about 2 months. 
I call every week and they give me the same response, your account is under review call us back within 3-4 days and this has been happening every week I call. all my money is in the account I cant pay for rent, I can barely feed my family and they wont even at least release funds I got from the stimulus. im making this complain because I been patiently waiting but its not getting me no where.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 distressed and constantly have XXXX attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter INFO I sent out, and here is the Tracking #. XXXX AND XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I HAVE THE CREDIT REPORT SHOWING THE inaccuracies. 

XXXXXXXX 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 2021-08-16
Company: BTH Management
State: MS
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 submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-08-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I wrote a letter for the fourth time disputing inaccuracies on my credit report with proof of the inaccuracies and how the bureaus are in direct violation of my consumer rights. On top of the obvious violations after they keep claiming account meets FCRA requirements and i just showed on the attachment how they are not. I have a right to claim {$1000.00} per violation i have pointed out. It has been more than 30 days i mailed my letter off on XX/XX/21 and i have not received a response. I dont expect this complaint to become a stall by stating you dont recognize the user when i am attaching you proof of my identity. I demand these accounts get deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors CBNA, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW

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 2023-06-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I was scammed {$220.00} and {$50.00}. I paid for services through XXXX  but upon further inspection I realized that it was not real. I cancelled the payment or tried to and contacted XXXX immediately. When they couldn't resolve it within a few days of me contacting them, the payment was posted on my Chime account. I called the company saying I was scammed and I did not authorized the payment. Three rebuttals later, they still believe there isn't sufficient evidence to prove my case. I provided chat conversations, XXXX  conversations, etc etc. None of which was good enough for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX, I traded in my XXXX XXXX XXXX for a XXXX XXXX. The amount of the purchase was XXXX and purchasing time took six ( 6 ) hours. 

But unbeknownst to me, the finance director had contacted several finance companies for financing and they all pulled hard copies of my credit report. The dealership ( sales rep or finance director ) didn't even inform me of what was taking place. I've heard of finance companies pulling soft copies of consumer 's report but not hard copies. This action by the dealership caused my credit score to drop approximately 15-20 points. I can't believe that they would be so desperate for a sale that they would bring down a customer knowing that it would negatively affect one 's credit. After leaving the dealership, I received several notifications from my credit monitoring company informing me of changes to my credit information. I logged into my account with XXXX  XXXX  and noticed that I had inquiries from the following banks, i.e., XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. These inquiries are damaging my credit report and I would like to have them removed. 

After finding out what had taken place and how the dealership went about making the sale, I was not happy with my purchase. I will not purchase a car from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the of all hard inquiries.

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 2023-03-02
Company: SANTANDER HOLDINGS USA, 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:
Santander # : XXXX is mistakenly reporting me late. I recently traded in my vehicle and a check was mailed to payoff Santander in full. I called and spoke with a representative at Santander and they confirmed they received the payoff check. Then suddenly, Santander lost the check. For this reason, I had the dealer cut out a NEW payoff check with a tracking number this time. Which was delivered before the 2nd late payment was due. Please remove the late payments Santander is reporting on me as it was a mistake on Santander. Please audit Santander 's phone calls to verify claim. Also, please see my attached supporting documents. 

As you can see in my report I have no other late payments for quite some time and am able to provide all documents and info tracking trade in and dates.

Company response to consumer: Closed with explanation