BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute Inaccurate Credit Reporting for XXXX Account # XXXX I called this company, and they were not able to find an account for me. I informed all 3 credit reporting companies, and they still reported the incorrect information. 
So, I am now seeking your help to request an investigation into the reporting of account # XXXX on my credit reports, I have attached copies of my credit reports from TransUnion XXXX XXXX , and XXXX for your reference, which demonstrate inconsistencies in the reporting of this account as well. This account is not mine and should be deleted from my credit file. I did not sign any contracts with XXXX and I do not owe them any money. 

In addition they are reporting discrepancies with is an FCRA violation which include the following : Account Type : The account is reported as an " Installment '' type account. However, it is reported as an " Educational '' account on TransUnion and XXXX. This is incorrect and misrepresents the nature of the account. 

Account Status : The account status is reported as " Derogatory '' on TransUnion and XXXX 's reports, while XXXX reports it as " Paid. '' Date Opened : The date the account was opened is reported as XX/XX/XXXX, on TransUnion 's report and XX/XX/XXXX, on XXXX 's and XXXX 's reports. 

No. of Months ( Terms ) : TransUnion and XXXX report 360 months ( 30 years ) for the terms, which is accurate. XXXX, however, reports " XXXX, '' Last Reported : There are variations in the last reported dates, with TransUnion reporting XX/XX/XXXX, XXXX reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX. 

Date Last Active : The date last active is reported as XX/XX/XXXX, on TransUnion 's report, XX/XX/XXXX, on XXXX 's report, and XX/XX/XXXX, on XXXX 's report. 

Date of Last Payment : XXXX reports the date of the last payment as XX/XX/XXXX, while TransUnion and XXXX do not provide this information. 

I am formally disputing these discrepancies and requesting a thorough investigation into the accuracy of the reporting for account # XXXX. 

Please conduct a comprehensive investigation into these discrepancies and provide me with the results of the investigation. This account needs to be deleted from my credit file. Please request documentation and show me proof ( a signed contract with my signature. ) I understand that, according to the Fair Credit Reporting Act ( FCRA ), they have 30 days to investigate and respond to this dispute. 

I look forward to a prompt resolution of this matter and the correction of my credit reports. 

Please send me written confirmation of the actions taken as a result of this dispute. Thank you for your attention to this matter.

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 2023-07-09
Company: TD BANK US HOLDING COMPANY
State: AZ
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:
Am I correct that a department store needs to send you some sort notification regarding revolving credit? ( for example - a bill- to let you know the amount that is due. ) Nordstrom was pushing paperless billing, as many companies do. I received emails with my statements for a few years, and then they stopped. I still have the same email I had when I opened my Nordstrom card. And, I use my card ALOT. In fact, I get close to 100 emails a month- trying to get me to spend more money. 
Well, Last fall I was 30 days late. I never was notified by them. I happened to call them on my own because I realized my bill might be due. 
Based on my credit report, they reported me 30 days late, on the same day I called and paid my bill in full. ( and I have since gone back to paper statements and have auto payment- which i did not even know they had available. ) My credit went from a XXXX to a XXXX. 
I have emailed them, called them ( over and over ) and I get no answer. I was told that I had to send a written letter. So- I did this and let them know I stopped receiving emails with my bill. Also I sent them copies of the correspondence regarding setting up auto pay, getting paper bills against, etc. I have heard nothing except a generic letter letting me know that they have to keep it fair for everyone.which made no sense. 
If they cant even send me a bill- do they have a right to report me? 
and why did my credit fall so far? 
and last, my wish is : if these companies want to push paperless billing so badly, can they at least be responsible and help the consumer sign up for alerts ( when bill is due, etc ) or auto pay? 
thank you so much. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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 my Equifax report I have an item being listed as : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

XXXX XXXX XXXX XXXX ( XXXX ) provided a letter saying they have removed that item and I have included this letter in a dispute to Equifax on three separate occasions. On each dispute Equifax wrongfully determines the item does belong to me. 

Equifax claims they are waiting on XXXX to remove the item ; XXXX claims they have removed it and it us up to Equifax to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 demanding that the following accounts be blocked from my credit report inwhich the credit agencies are fraudulently reporting un- verified accounts. The accounts are as following, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( {$56.00}, {$56.00} {$56.00} )

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
Consumer complaint received 2023-09-07
Company: LoanCare, LLC
State: CA
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 have emailed LoanCare LLC back in XX/XX/XXXX a written request Via email to fix a False reporting. 
My loan XXXX was paid off in XX/XX/XXXX This company reported me late on my mortgage payment of XX/XX/XXXX In XXXX of XXXX I have made a written request via email as instructed by the customer service I called at XXXX. I have received acknowledgment via email that they are working on it. 
XX/XX/XXXX, they acknowledged the mistake. 
It is XX/XX/XXXX and this has still not been fixed, this false reporting has had a determinatal effect on getting loans! 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 2019-03-20
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:
I contacted XXXX XXXX XXXX collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX financial department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a XXXX  XXXX  from my XXXX. ( See attached Document from XXXX XXXX 's ) I have never had any procedure to my XXXX. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX and XXXX XXXX removed it immediately, but Experian left it on. I have disputed this three time with Experian since, and Experian continues to let XXXX XXXX XXXX collections dictate the outcome despite the letter from XXXX XXXX 's. Can you please help me to remove this item off Experian Credit Report? 


Thank you for your consideration,

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 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account # XXXX Placed in Collections XX/XX/XXXX I reached out to this company in XXXX of XXXX. I requested an original invoice, debt validation letter as well as any other information that prooves I indeed owe this amount to them or the original creditor. They did not furnish this information. I have only 1 account with XXXX  XXXX and it is in good standing and open right at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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: Personal information incorrect

Complaint:
The only address that should be on my report is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX EXPERIAN REPORTING # XXXX I demand the following IDENTIFICATION # 'S BE REMOEVD DUE TO ATTEMPTED FRAUD WITH MY INFORMATION. 


# XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Single family # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Single family # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX Single family I DEMAND THESE XXXX INVALID ADDRESSES BE REMOVED ASAP. 

COPY OF MY CURRENT ID AND ADDRESS IS ATTACTHED.

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 2019-09-03
Company: Kashia Services
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I decided to get a payday loan from Soild Oak Finance. I ended up getting behind. Got over my head in other payments. I tried making an arrangement of {$50.00} per month. I never heard back from them. Found out this lender has garnished my wages. I never received any small claims summons, any paperwork from Soild Oak telling me they were suing me. I looked in Wisconsin Court access for anything of them suing me. There is nothing. I am below both state and federal poverty line. On food stamps and state paid XXXX. Under WI SS 812.35 this is an ILLEGAL garnishment. Under federal law, this is an ILLEGAL garnishment. We want to file a complaint, want the garnishment to STOP and want to be reimbursed for all monies taken ILLEGALLY from my pay check. Company who take advantage of poor people then go around federal and state law and steal from them shouldn't be allowed to be in business!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted the company regarding apparent debt starting in XX/XX/ 2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: NC
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 received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Ad Astra Recovery Services Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Late XXXX I noticed an old hard inquiry that I did not authorize. I notified Experian of the issue and demanded removal. I sent this accompanied with a FTC Fraud report ( XXXX ). The letter and report were sent on XX/XX/2023. Experian as of XX/XX/2023 has failed to investigate and has failed to remove the inquiry. They are currently in violation of the FDCPA. I require immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I attempted to contact them and let them know that I did not sign up for classes with this school. I was a child and my aunt and uncle had total control over my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'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 non-monetary relief
Consumer complaint received 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A couple of months ago I submitted a complaint to CFPB, regarding unauthorized transactions from my Bank of America account. Bank of America responded to my complaint XX/XX/2023. Their response was to call the number ( XXXX ) XXXX XXXX extension XXXX, which belongs to resolution specialist, XXXX XXXX XXXX Since, XX/XX/2023, I have been calling everyday to obtain Bank of America 's response. However I haven't received any call back from XXXX XXXX or Bank of America in general. It has been more than a month since my complaint was closed and I have NOT received any call, voicemail, email or mail. I have called XXXX XXXX numerous times. After calling CFPB customer service, I was advised to submit a complaint. As any other customer I except clear communication with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Starting approx XXXX of XX/XX/XXXX to XX/XX/XXXX, I have received several small charges from two unrecognizable online sources. These sources were " XXXX XXXX '' and " XXXX '' These charges were numerous and for generally small amounts, {$25.00} or less, spread out over 4-5 months. I contacted Bank of America to report the issue and file a claim/dispute for the total amount of {$480.00}. 

I received communication from BoA that the claim was denied. When I called them to verify and escalate the issue, the representative stated all I needed to do was fax them a request to reopen the claim and call back to ensure the fax was received. 

I called back BoA on XX/XX/XXXX to see what the status of the re-opened claim was, and was informed the claim was denied and that it was denied because the charges were reported too late. I informed the agent that I explained the situation to the original agent when filing the claim, that due to the relatively small amounts being charged, I did not notice. The agent stated that I logged into mobile banking several hundred times and that I should have noticed with the implication that this was my fault. She stated that I needed to file a police report, which I have done.

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 2021-11-04
Company: CarMax, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Carmax XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
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 am formally requesting the deletion and removal of the following accounts and information from my consumer report. The accounts and details listed below should not be reported on my consumer report, as it directly violates the FDCPA and FCRA. It is imperative that these accounts and information are promptly deleted and removed from my consumer report to comply with several laws. I expect immediate action to remove these accounts and information.

Company response to consumer: Closed with non-monetary relief