BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THE COLLECTION ACCOUNT IS NOT MINES AND HAS BEEN DELETED BEFORE. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX THE ACCOUNT BELOW IS NOT MINES AND IS MORE THAN 7 YEARS OLD. 

XXXX XXXX {$3000.00} In Collections/Charge-off THIS ACCOUNT BELOW I HAVE A XXXX. 

XXXX XXXX XXXX Closed : XX/XX/XXXX {$31000.00} Closed

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 2023-05-09
Company: Experian Information Solutions Inc.
State: NY
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 made a complaint against Experian on this site but after 2 months of delays, Experian responded " we were unable to process your dispute, as it was not specific. '' I will make specific points over multiple separate complaints to make this easier for Experian to comprehend. 

This is regarding the recent dispute filed against XXXX by me in which you amazingly took XXXX 's side. I need to know what was done in this dispute/investigation. It is outrageous that you blindly trust XXXX, who is giving you false information you are passing on as libelous fact. I want to know what information they gave you to prove that " I '' moved to XXXX XXXX ( never set foot there ), signed up for service ( of which XXXX will not even tell me what services might have been provided ), and probably never paid, but they kept it going for around 9 months to total {$1900.00}. All while having home services at up to 2 other locations with different providers ( 1 is correct ). XXXX even finally just admitted that their account linked to me was fraud, but XXXX is being incredibly obstinate ( we will eventually see if you removed this false XXXX provided address from your records ). XXXX even allowed this account to be opened even though I have fraud alerts, AND credit freezes with all credit firms, yet you seem to ignore the obvious negligence of XXXX. AND THIS IS THE SECOND TIME XXXX HAS DONE THIS TO ME -- Look up 2019 which they admitted was fraud after I jumped through their hoops last time this was done. Why in the world would you trust XXXX? Will their be any penalty against them for providing you with false information? 

On your website it only says I have to call for details. Why? Put it in writing so I can share it. 

Attached is the 2019 fraud confirmation XXXX assisted in.

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Thursday, XX/XX/XXXX, I called into Chase Bank to inquire as to why my debit card wasnt working. I was told at that time that my accounts were being closed. I have continued to follow up so that I can get the funds that were in all XXXX accounts that they closed. They kept saying 10 business days and I would receive a check. This week I got letters saying the accounts werent closed until XX/XX/11 and the 10 business days started then. Its been more than that already. I can not pay bills and am delinquent on a few because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All my student loans have been paid off. There is outdated information on all 3 credit reports. There is false information, I need all addresses and old phone numbers removed. All the inquires need to be removed. I am protected under title 15 U.S. codes 1601,1602, 1681n,1681o Done in good faith all rights reserved without prejudice I also am asking to be compensated for my time and the injury, loss and harm caused to my good name and credit. 
By : XXXX XXXX XXXXXXXX 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 2023-05-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was applying for places and was wondering why none of them were accepting and it was due to a low credit score and it came to my surprise that was the reason due to me paying all my bills and only using XXXXXXXX XXXX  card, my XXXX XXXXXXXXXXXX XXXX card is the only one I use, sure enough my data was breached and opened up a credit card account and noticed fraudulent charges of up to XXXX dollars overtime on the credit card used, it was clearly maxed out and left to stay as debt, i have no connection whatsoever to this account even though my information was put in due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: National Credit Systems,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:
XXXX opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, XXXX say sure, put it in. When I make a dispute, XXXX denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXXXXXX XXXX XXXX apartments. I was I there for about two months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXXXXXX XXXX XXXX  pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from XXXX Again, a feral retail account that closed due to data breaches. XXXX help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Coast Acceptance Corporation
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:
The original lender COASTAL ACCEPTANCE CORPORATION is reporting my account with an incorrect charged off balance of {$5900.00} and closed. This information is not 100 % accurate. The lender agreed in writing to a settlement amount of {$2500.00} after the debt was sold to remedy a portion of the balance. Additionally, the lender is reporting the monthly payments as late and the account has been closed and discharged. This does the greatest amount of damage to my credit report and credit rating.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 submitted a complaint dated XXXX to you with a Complaint # XXXX. 
I realized that the box where it says " What company is this complaint about '' I entered my own name. I wanted to put Transunion. 
Would you please make this adjustment on previous Complaint. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Bridgecrest Acceptance Corporation
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: Information belongs to someone else

Complaint:
THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 

BRIDGECREST CREDIT C Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE FROM MY CONSUMER REPORT IMMEDIATELY! 

Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the ORIGINAL contract and application, note or other instrument bearing my WET INK signature. Failing that, the item must be deleted from the report as soon as possible. 

This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. THIS ACCOUNT IS EXTREMELY DAMAGING TO MY REPUTATION AND HAS COST ME STRESS AND OPPORTUNITIES! 

Under federal law, you have thirty ( 30 ) days to complete your investigation or I WILL FILE FOR LITIGATION in federal court!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CITIBANK, N.A.
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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Please fix the following accounts XXXX XXXX XXXX XXXX XXXX XXXX MACYS/CBNA XXXX XXXX XXXX XXXX Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 2023-05-01
Company: Reliable Home Lenders, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, I received a TEXT MESSAGE on my phone, stating - - " Hey XXXX- this is XXXX XXXX over at Reliable Home Lenders. Thanks for submitting your info to get pre-approved. Do you prefer text or a quick call? '' I have not applied for a Mortgage in the last 3 years, and certainly not today. I contacted XXXX XXXX at Reliable Home Loans via email at XXXX. My email asked for the information associated with the " pre-approval application '' and I informed her that I did not complete any application. After some back and forth, she stated - " No reason to be concerned. I am working with a new real estate team that has used XXXX for a bit. They provided my team with a list of leads and I didnt realize the leads were dated. '' - - - - WELL, there are a couple of problems - the first, they are violating the CAN-SPAM ACT by soliciting me through a list they received from a third party without my opting in. Secondly, they are misleading people into thinking that an application was filled out in their name- which is cause for alarm and now I am spending time and resources doing a credit check, etc to make sure I have not been subject to any identity theft. 

Additionally, I have asked her for copies of the information submitted to her and the name of the real estate agent, which she refuses to provide to me. 

This is the epitome of bad business and bad ethics. Seems like some type of license law violation - and if it isn't, it should be. This is the type of activity that should be specifically forbidden and is frustrating, at the least. 

I want to know what actions can be taken by your agency to prevent these actions from occurring again. This agent is also likely misleading others since she is blindly messaging people she obtained from some random real estate agent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I RECENTLY RECEIVED A REJECTION LETTER FROM BANK OF AMERICA TO OPENING A NEW ACCOUNT. I DID NOT APPLY FOR AN ACCOUNT AT THAT BANK. IT WAS EITHER IDENTITY THEFT OR OUTRIGHT FRAUD.. I WOULD LIKE TO PRESS CHARGES ON THE INDIVIDUAL WHO ATTEMPTED TO OPEN AN ACCOUNT UNDER MY NAME WITHOUT MY CONSENT.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, XXXX XXXX XXXX, am verifying that XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mobile park lot was denied from false allegations that was typed by XXXX that doesnt match on what it says on my transunion report. My credit score XXXX. and seem to not understand i was not approved. i am currently in the process of closing and this is the only thing that is holding me up. on their website XXXX. they suppose to support their XXXX XXXX as well stating thank you heroes. this is how they thank their XXXX XXXXr by denying me forgering a document to denied me entry onto the lot. i also have a XXXX son i want to give a good life for. that i also have written documents as well. they as in XXXX XXXX have said it was a background check that turned into a credit check denied ( which i have proof threw an email ) on the phone it have said to me and threw an email that was given to myself and to my union lawyer. false allegations just to deny their XXXX XXXX  is uncalled for and unfair. i have the document which states the false allegations towards myself in this compliant report attachment. see attachment. i have called the fraud department my reference # XXXX i have spoken to XXXX in the fraud department.

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 2023-05-12
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 Navient student debt collection called my personal cell number for someone elses loan. They left a message claiming it was urgent, and that I needed to call them back regarding a business matter as soon as possible. When I called back and asked how they received my number for someone else 's loan, they claimed my number was listed as a contact on the account. That is untrue, and I told them so. Being single and not listed as anyones contact, I knew they were being deceitful. After asking 3 times where they received my number and stating I was filing a complaint, Navient then changed their story and reluctantly stated they received my phone number from " skip vendors '' but wouldnt be more specific. I demanded my number be removed from her database as I have not had student loans in over XXXX XXXX. They are obtaining numbers in a malicious and dishonest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX 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