BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NY
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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/XXXX a fraudulent inquiry was made on my behalf from XXXX XXXXXXXX the same incidents occurred on XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
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 am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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 2023-09-26
Company: WELLS FARGO & COMPANY
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:
I contacted you all mentioning a misplaced card and an unauthorized charge of over {$500.00} on my card. My response from Wells Fargo was since the card was inserted then they can not issue a refund. I have made a police report and waiting for them to get back to me. 

Here is my previous statement ; " Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for a big purchase on my card for about a year now. I told the Wells Fargo team about unknown charges on XX/XX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking it was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contacted them again they told me they are still investigating. More time went by, another call, and I was told I would not be getting a refund since my card pin was entered. When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I would not see my money. Please help. '' After being a customer of over 8 years with no charges like this on my statements this is XXXX response in short ; " While we empathize with you under regrettable circumstances, we respectfully decline your request to reimburse your account for transactions you authorized. We recommend you reach out to the merchants directly for further recovery efforts. '' I have reached out to the store, the store tells me to contact my bank my bank tells me to contact the store. 

Need this fixed please as over {$500.00} missing is pretty worrying.

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
XXXX still put this XXXX XXXX on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon cars drive 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's XXXX XXXX said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted XXXX XXXX and they agreed on XXXX and I sent a copy of the paid in full letter XXXX credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605

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 2023-09-26
Company: DISCOVER BANK
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
ON OR ABOUT XXXX OF XXXX SOMEONE OPENED A FRAUDLENT CREDIT CARD ACCOUNT WITH DISCOVER BANK. I CONTACTED DISCOVER BANK ON XX/XX/XXXX ABOUT THJIS AND THEY SAID THAT THEY WOULD LOOK INTO THIS MATTER. I ALSO NOTIFIED CREDIT BUREAUS AND THEY BLOCKED THIS ACCOUNT BUT THEN XXXX WEEKS LATER DISCOVER SENT THEM A DIALOGUE TO SUPPORT THE VALIDITY OF THE ACCOUNT. I DID NIOT OPEN THIS CREDIT CARD AND I DID NOT AUTHRIZE IT TO OPENED IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've noticed unauthorized inquiries on my reports TransUnion, XXXX and XXXX. I reported and provided this information over to the representatives and manager at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with Transunion they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - Transunion XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Transunion XXXX. XXXX XXXX ( XXXX  ) XX/XX/XXXX - Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - Transunion XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX Transunion XXXX. XXXX XX/XX/XXXX -XXXX  XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX. XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've observed several deviations from mandatory reporting standards, casting doubt on the accuracy and completeness of the data in my report. Consequently, I refute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

In accordance with XXXX XXXX XXXX, " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, XXXX XXXX XXXX XXXX ( Regulation XXXX ) mandates furnishers to : Furnish information about accounts or other relationships with a consumer that maintains integrity. 
Furnish accurate information about accounts or other relationships with a consumer. 
XXXX reasonable investigations of consumer disputes. 
As stipulated in the XXXX, to make a lawful report, adherence to XXXX XXXX compliance standards is essential. Any deviation from these standards jeopardizes the integrity of the data, impacting the accuracy of federally regulated reports. 

Hence, I am exercising my rights to challenge these inaccurate and non-compliant items. Failure to address my demand would indicate a disregard for my consumer rights. It is unjust for you to report information that lacks confirmation of ethicality and fails to meet certified reporting standards. Once again, I challenge these claims and request proof of adherence to proper reporting standards. 

Your actions constitute a violation of my rights, as outlined in this document. The incomplete nature of your reporting does not align with legal standards. You must certify all aspects of required XXXX XXXX XXXX truthfully, correctly, in a timely manner, and completely. Failure to do so XXXX compel me to escalate these issues to the CFPB, FTC, and my Attorney General.

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 2019-01-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have continued to dispute the false information that XXXX XXXX XXXX has placed on my XXXX credit report and will continue to do so, until this is deleted. It is obvious how seriously that this collection company takes this, as they close out my complaints in less than 24hrs without any real investigation.

AGAIN, I NEVER received any bill for this debt from the original creditor-XXXXXXXX XXXX XXXX XXXX- who is a third party billing company out of Ohio . XXXX XXXX XXXX XXXX- based in Ohio , has been found guilty of fraudulent billing in several cases. I have NEVER been a patient at XXXX XXXX XXXX, in XXXX, OK. XXXX  has falsely claimed that XXXX XXXX XXXX is in XXXX , OK, which it is not, it is in XXXX  , OK-this first claim shows that their information is clearly flawed. AGAIN, my credit report shows the information given from XXXX-claims the original creditor 's service being XXXX  of XX/XX/XXXX. Their claim of me being seen at XXXX XXXX XXXX in late XX/XX/XXXX is not even possible, given the fact that this hospital was torn down in XXXX of XX/XX/XXXX after being struck by a tornado. It was rebuilt and opened in XXXX  of XX/XX/XXXX-reopened as XXXX XXXX XXXX hospital in XXXX, OK.

More importantly, XXXX   has refused to even address repeated request for validation of this debt, they refuse to provide ANY original documents proving what is owed. They are required to send proof that they own this debt or have been legally assigned this debt by the original creditor along with original documentation showing proof of debt.

According to federal law, if a debt collector does not verify the debt, it is not allowed to list the debt on a person 's credit report.

Also, the State of Oklahoma requires a creditor to provide the following documentation to prove the validity of a debt- proof of service, proof of breach of payment, copy of any contract or original account and documentation of assignment of debt. This information came directly from the Oklahoma Attorney General 's office, after I submitted copies of all complaints/disputes with XXXX.

XXXX has now refused to comply on multiple occasions and attempted to make me think that I am incorrect and that the burden of proof lies with me, not them.

XXXX is required to show proof of this debt, not pass the buck on to me.

AGAIN, XXXX  has shown zero proof of anything being owed.

XXXX has a well established history of fraudulent activities.

XXXX  refuses to provide any documentation/consumer disclosure file on this debt.

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 2023-09-26
Company: Diversified Adjustment Service, Inc.
State: NM
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:
I was living in a duplex apartment and out of nowhere, the landlords sold the blg without giving me time to find another place to live. I was told by original landlords that they " didn't want to deal with the apartment because they were getting quite elderly and it was too time consuming and that they found a buyer. They literally had someone come in while I STILL lived there to view it and the following week they sold it. I was told by my original landlords that I had to vacate by the end of the month ( this was mid XX/XX/XXXX ) so the new owner could shut things down and began renovating the duplex. I very huridly got out and attempted to shut off the utilities but was told the final billilng would not be available for another month or 2. When the bill was finally available to me, I was informed by the company, XXXX XXXX XXXX XXXX XXXX XXXXthat the bill was sent to collections because it was not paid by the end of the monthly billing cycle. I then waited for the collections dept it was sent to to contact me, when I got their bill, I PAID IN FULL. I was told they would remove it from my credit report as a bad debt once paid and yet it remains there, though not showing a balance due, it shows up as " potentially negative debt '' owed. I have asked them several times to remove it but they do not. I want it removed as I have honored my part and paid the debt owed...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Checked my credit report and seen this debt on there. They never reached out to me or notified me of the debt i tried to contact company its in collections and now this negative impact is stopping me from getting a mortgage because of this. A Hospital bill that I'm not even aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To Whom It May Concern : I recently sent your organization a letter requesting the investigation and removal of inaccurate information from my credit report. I received your response and the accounts below are still reporting on my credit file. 
Furthermore, in accordance with the FCRA, I am requesting proof that the information was verified. 
XXXX XXXX XXXX I believe that the dates and late payments are reporting inaccurately. Here is the case # XXXXXXXX XXXX XXXX XXXX  I believe that that the dates and the amount owed is reporting inaccurately. Here is the case # 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 2022-12-25
Company: AMERICAN EXPRESS COMPANY
State: TX
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 rewards from credit card

Complaint:
I signed up for a XXXX Amex Card over the phone. The representative verbally offered me XXXX sign up bonus. I agreed, and proceeded with the application on XX/XX/XXXX. I received an email in order to continue with the application. This email also stated the terms and condition which mentions the XXXX sign up bonus points. After spending the minimum spend to receive the XXXX bonus points, I noticed I only received XXXX bonus points. I contacted American Express on XX/XX/XXXX, and an investigation was submitted. After contacting American Express every 2 weeks to get an update, on XX/XX/XXXX, I got in contact with a representative who told me the investigation was closed and that American Express decided the XXXX offer was valid. However, I was instructed to call to speak with someone who could help me if I was not happy with the decision. I spoke to a representative named XXXX ( I believe ), and she told me I could upload supporting documents to support my case. I uploaded a screenshot of the email with the terms and conditions stating the XXXX sign up bonus. I contacted the customer service again on XX/XX/XXXX to see if anything had changed or been updated. I learned that the supporting documents were not taken into account. They essentially didnt matter because they closed their investigation in XXXX. However, I am utterly confused as I was verbally offered XXXX and have an email to support the verbal offer. I feel that American Express has used deceptive tactics to get customers to sign up for credit cards. The XXXX bonus is typically the standard offer. I would have waited knowing they tend to have promotional offers such as the XXXX. This is completely unfair for them to offer me XXXX but then only give me XXXX. I cant do anything at all at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As I was reviewing my credit report, I noticed an unauthorized inquiry and inaccurate account that are reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making my life XXXX. My credit has taken a toll due to the reporting of the inaccurate information. I am stressing out that my information is being used without my consent, please help! I want to get this issue fixed as soon as possible. I can not literally do anything with my credit looking like how it is. Please help!

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 2023-07-03
Company: EQUIFAX, 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 response to consumer: Closed with explanation