BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
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: Personal information incorrect

Complaint:
I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 bureau ( TransUnion ) has been contacted several times regarding XXXX XXXX  account number ( XXXX ), XXXX  account number ( XXXX ), and XXXX XXXX account number ( XXXX ) in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC on two occasions one dated XX/XX/2021 reference number XXXX and also on XX/XX/2021 reference number XXXX and still, they don't delete these unauthorized and fraudulent accounts on my credit report. XXXX and XXXX has honored my request, I am just still having a problem with TransUnion honoring my request.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
on my credit report i have a collection that is not mines from XXXX account # XXXX last activity date XX/XX/23 XXXX XXXX they are confusing me with my twin sister another collection on my report is XXXX XXXX XXXX Account # XXXX last activity date XX/XX/23 XXXX XXXX again not mines my twin sister i would like them to take it away

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 2022-03-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a compliant to FHA in XXXX regarding Wells Fargo Home Mortgage refusing to accept payment. After FHA investigated Wells Fargo agreed to resume accepting payments to bring the account current. I have been consistently making payments and payment agrrangements while I was waiting for my divorce to be completed, which Wells Fargo reports was an issue. I signed a Release Of Information for Wells Fargo to speak with my attorney to confirm the divorce was pending on XX/XX/XXXX. Wells Fargo allowed me to make payment arrangements which was paid on time. The last payment they accepted was on XX/XX/XXXX, and I made payment arrangements for XXXX, XXXX, XXXX payments. Wells Fargo did not pull the XXXX XXXX, XXXX payment nor the following payment arrangements I discovered on XX/XX/XXXX. When I called to ask why, they informed me that the agreement for payments was revoked and they have a Cease & Desist on my account that has been active for 10years and updated in XX/XX/XXXX. I never signed a Cease & Desist and requested a copy of this alleged document several times with no success. I was informed I could terminate the C & D either verbally or in writing but when I verbally terminated the C & D they are not honoring it. Then when I spoke with representatives today XX/XX/XXXX, I was told they attempted to pull XX/XX/XXXX payment but the account was NSF, which contradicts what was told to me previously. Not to mention the money is in the account and I used the same account with all my previous payments. I believe they are purposely trying to keep my mortgage in arrears and using fraud as a deceptive predatory practice. I faxed them a copy of my final divorce papers from the XXXX XXXX judge that addressed the home and Wells Fargo confirmed receiving it. But they are still refusing to allow me to make payments stating they have a Cease & Desist even though no representative can view the actual Cease & Desist form that they alledged I signed.

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 2023-05-05
Company: FinCo Services Inc DBA Current
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a money transfer from Current to XXXX on XX/XX/XXXX. Current sent the money and closed the transaction. XXXX is claiming the money arrived. They paused the transaction and then canceled it. The money transfer doesn't show on my account at all. ANd my money has not been refunded by either XXXX OR CURRENT. 

XXXX asked for proof of payment. Current has refused to provide the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 2023-06-06
Company: EQUIFAX, INC.
State: MD
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:
Beginning in XX/XX/XXXX, I have been requesting that Equifax update my legal name on my credit report. The name currently displayed on my report does not match any form of ID that I hold or any name reported by a creditor. I have submitted my court order of name change ; my driver 's license ; and my SSN card a total of XXXX  times for Equifax to review. As of today they still insist that they have not received a copy of any documents since XXXX of XXXX and can not use those documents for verification, as they are too old. 

On XX/XX/XXXX, I submitted my verification documents via email. On XX/XX/XXXX, I submitted them via physical mail. I submitted them again via physical mail on XX/XX/XXXX ; XX/XX/XXXX ; and on XX/XX/XXXX. I submitted via web portal upload on XX/XX/XXXX. And I submitted via fax on XX/XX/XXXX. 

At this point Equifax 's continued insistence that my documents have NOT been provided to them appears to be malicious, showing that my name change requests are being ignored and/or discarded willfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I did not give XXXX XXXX XXXX permission to release my information to a 3rd party to collect a debt. That is violation of the Hippa law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/ XXXX After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with XXXX XXXX, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX is reporting the wrong addresses on my credit report listed below 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 The only address that should be reported is 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 explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: TX
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:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2022-03-17
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had a credit card with Citi ( account ending in XXXX ) that opened in XXXX. The date of last transaction was XXXX. I received a phone call on my cell phone and at my job from a company that identified themselves as dispute resolution center on XX/XX/XXXX. They asked that I call XXXX in reference to file # XXXX. They stated they were going to contact XXXX  XXXX ( where I live ) if I did not respond. I called the # and they had my name and date of birth. I asked why they were making veiled threats about suit or inferring the county government may get involved in a debt that is so old. The statute of limitations is long expired. I also asked when they received consent from my to contact my cell #. They stated they did not need consent. When I asked what their mailing address was I was hung up on. I called back and asked another person for their business address and again was hung up on. I called A third time and it went to voicemail. I know my rights under the FDCPA, especially as it relates to third party debt collectors which I presume is what this company is. I demand restitution under FDCPA and TCPA and I demand to never be contacted about this again.

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 2018-07-31
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just got a notification that XXXX XXXX reported a collection account on my credit report. I never received any letters from this agency giving me the right to dispute this debt. Under the FDCPA a debt collector has to provide a consumer with a G notice. The right to dispute the alleged debt within 5 days of the initial communication with the consumer. They have violated 15 USC 1692g. I also dispute this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Regional Acc XX/XX/2020. Coaf XX/XX/2020 I have no idea what amount they tried running. I did not give XXXX XXXX to permission to run my credit. I was just thinking about buying a vehicle never once gave permission

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 2023-12-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I telephoned Navy Federal regarding withdrawing funds from my account without my authorization. There were two occasions in which this occurred. The first occurrence they withdrew XXXX XXXX from my account and transferred it to my car payment. My car payment is {$1500.00} per month. At the time I asked the customer service rep why they would withdraw a partial payment from my account? He explained to me that it was a SYSTEM generated withdrawal. I explained to the agent that it makes not sense to withdraw a partial payment from my account because this caused my insurance payment to returned leaving the vehicle uninsured. The agent agreed to return the funds to my account. The funds posted within minutes. I also advised the agent they they are no longer authorized to withdraw funds from my account without my permission. The second time occurred XX/XX/XXXX, they withdrew {$1300.00} from my account again causing my insurance payment of {$700.00} to return. My car insurance will cancel because of this. I phoned them on XX/XX/XXXX and advise that I didn't not authorize them to withdraw funds from my account until on or after XX/XX/XXXX. The agent informed me that the agent a spoke to should have told me that the funds could be withdrawn early because it was scheduled for a Monday. I advised the agent to return th funds so my insurance company could be paid and I will allow them to with draw the funds on Tuesday instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Open Dealer Exchange, LLC
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2020-12-24
Company: EQUIFAX, INC.
State: NV
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:
On several occasions, I submitted disputes : online, in writing and via telephone calls to all three credit bureau 's to correct my Legal name to XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX have corrected my Legal name, as well as Equifax, at one point, but as of XX/XX/2020, my Legal name is reflection incorrectly. My legal name is XXXX XXXX XXXX. 

( The incorrect name of XXXX XXXX XXXX, jr. ) must be deleted ASAP, as it is preventing me from obtaining additional credit and employment. 
The attached documents show that in XX/XX/2020, my name was updated after submitting four previous disputes and after submitting a complaint with CFPB. The attached documents also, reflect the incorrect name of XXXX XXXX XXXX XXXX, in a XX/XX/2020 credit report. Once again, my Legal name is : XXXX XXXX XXXX and this is the only name that should be reflecting on credit reports and on my credit profile. This needs to be corrected ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21, i called Simmons bank 's corporate office regarding our debit cards, because it is getting close to the expiration date on our existing cards. I was told by the customer svc representative that our cards would be sent out that same week. The cards never showed up, so on XX/XX/21, i called the corporate office of Simmons Band and spoke to a customer svc representative named XXXX. I explained to her my concern that it was getting close to the expiration of our debit cards and she told me that my wife 's debit card had been sent out the previous day. As of today our debit cards have not showed up, so someone is giving us the runaround. For what reason. This is not the first time i have had to file a complaint against this financial institution.

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