BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, XXXX, TRANSUNION, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following EXPERIENCE XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} TD BANK XXXX # XXXX. BALANCE {$4900.00} TD BANK XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} TRASNUNION XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXX  # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this 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 2023-05-08
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Previously filed complaint, however, complaint was closed without full investigation. 

ERC  is attempting to collect debt for returned XXXX XXXX XXXX  equipment. 

I found the receipt for returned equipment and will attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 personal information and credit were used to open a fraudulent XXXX XXXX Account # XXXX. This account has a balance now of {$17000.00} and is appearing on my Transunion credit report file # XXXX. 
I have filed an identity theft report and filled out this written statement as per requirements of the FCRA, and would like to exercise my rights under the FCRA 605 ( b ) to have this item removed in no less than 4 days of the receipt of 1 ) A written statement 2 ) An Identity theft report # XXXX XXXX ) Proof of the identity.

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 2022-07-08
Company: Santander Consumer USA Holdings Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report Chrysler Capital saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing to inquire about the process for registering business with the state of California and to bring to your attention a concerning issue that I have recently experienced with a company that claims to be registered with the state. 
The company, XXXX XXXX, which is allegedly registered with the state of California, claimed to offer investment opportunities that would result in high returns with minimal effort. This company advertised their investment opportunities on various social media platforms such as XXXX, XXXX and XXXXI invested a significant amount of money, {$25000.00}, in these opportunities, only to discover that the company was fraudulent and attempting to contact them was unsuccessful. In fact, the mail I sent to their registered address was returned as undeliverable.As a concerned citizen, I am writing to ask how it is possible for a fraudulent company to register with the state and operate under false pretenses, potentially taking advantage of other individuals like me. I would like to know what measures are in place to ensure that registered businesses provide accurate and up-to-date contact information.I urge the state to take swift action against fraudulent companies such as XXXX that claim to be registered with the state but use false information to appear legitimate. Additionally, I would like to know what steps the state is taking to protect consumers from such fraudulent companies and what resources are available for individuals who have been victimized by these types of scams.As well as what protection are given by banks where frauds are happening over and over. In this case, Bank of America Thank you for your attention to this matter. I look forward to your response.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue.

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 2022-02-06
Company: EQUIFAX, 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:
Equifax XX/XX/XXXX placed my credit score at XXXX. 

On XX/XX/XXXX Equifax placed my credit score at XXXX I inquired with Equifax about the lowering of my credit score ; and no response as of XX/XX/XXXX. 

Equifax is only showing a 12 point drop since XX/XX/XXXX. 

There has not been any changes in credit status negative that would have impact on such a derogatory factor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with TransUnion in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by TransUnion. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX  then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting to TransUnion and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. TransUnion as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.

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 2023-10-25
Company: MARINER FINANCE, LLC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid off this account back in XXXX. However, it is still showing on my report as past due and a balance owed. I have paid the balance off in full. The company sent me a paid in full statement. Yet, they are reporting inaccurately on my credit report and refusing to correct the information. I filed a dispute and despite the account being paid in full, and the company sending me a paid in full letter, and confirming it is paid in full, the company, in clear and direct violation of fair credit reporting laws, confirmed the information as accurate! This is not fair to consumers to allow companies to just so called review the information and confirm accuracy. They are clearly not even reviewing their records because the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/2021 and Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX received it on XX/XX/2021 at XXXX am. Upon giving the company 30 days, which the FCRA gives the company 30 days to respond. I reached out via phone call on XX/XX/2021 at XXXX pm, and spoke with the rudest customer service rep ever and just told me they will respond whenever they want. After hanging up and getting stressed out and depressed, I waited for a response. After about four months I never received anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
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:
1. ) On my XXXX credit report it shows mortgage loan origination with LAKEVIEW LOANCARE as XX/XX/2021 ; when in fact, my mortgage was transferred from XXXX XXXX to Lakeview Loan Care on XXXX XXXX! 
XXXX does not show my XXXX nor does it show that XXXX transferred my loan to Lakeview Loan Care. IT ALSO SHOWS ON XXXX THAT I WAS DELINQUENT IN MY XX/XX/2021 mortgage payment which I paid to XXXX Mortgage on XXXX my XX/XX/XXXX! 
2. ) My XXXX credit report shows a Lakeview Loan Care Mortgage as origination date of XX/XX/2021 when it should be XXXX XXXX! 
3. ) My XX/XX/XXXX credit report shows a Lakeview Loan Care Mortgage origination date of XXXX XXXX when it should be XXXX XXXX. 
4. ) I have never been late in ANY MORTGAGE PAYMENT as proof from my account with XXXX XXXX who forwarded my payments to Lakeview Loan Care in what they say was a timely manner. However Lakeview didnt post my XX/XX/XXXX and XX/XX/XXXX mortgage payments until XXXX XXXX! Shame on Lakeview for reporting incorrect information to credit reports and damaging my excellent credit and doing it within 60 days of my mortgage loan transfer violating the Fair Credit Reporting Act!

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: 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: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 2023-05-09
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX Chime locked me out of my account due to suspicious activities. They swnt me an email requesting i send the front and back of my driver 's license and a piece of mail verifing my address. I sent them everything they requested and then they sent me another email requesting a w9 form and a new form of id. My drivers license is up to date. I have done plenty to prove my identity and my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXXCalled company in question to again state that I had closed this account voluntarily months ago.The female in the collections department was aggressive and inappropriate in her conversation with me.I had explained that due to failing health I had closed this account.The finance charges are outrageous.Predatory in nature.They have repeatedly sent me notices and contacted me by phone.They offer a XXXX XXXX Rewards XXXX but it is virtually impossible to receive the awards.The credit card company employs rude individuals in the customer service department-as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Manual adjustments by your fraud department were done to this account upon my requests at the end of XXXX. This allowed me to make the overpayment because she didnt get her work correct. When I made payment in XX/XX/XXXX for XXXX this amount is not correct and more than what was really owed. 

Note I have never made a single purchase on this account!! You stated I purchased over XXXX dollars? What date and place was this at? Please provide me with this document or direct me in the ledger to where this is possible. 

Your last correspondence stated credit refund checks ( 2 ) this money was returned to the bank XXXX XXXXYou yourself came to the correct amount ( almost ) actually owed to me. You deemed you dont owe this money to me please explain why? 

Rectify your companys error. Fraud mangeXXXX XXXX XX/XX/XXXX admitted he seen this error. My account was never reviewed for correction. You closed the account instead. 

The ledger is clear over all months if you cant see this with your intellectual abilities and arithmetic skills alternative means of collection will escalate and proceed. You keep simply blowing me off your behavior is as experienced with Bmo unethical and abusive. 

XXXX break it down XXXX I owed the bank for XXXX. I payed XXXX. I retrieved XXXX on my own from improper interest charges. Leaving XXXX owed to me. Clear simple math.

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 2015-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last 12 years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma card advertising was misleading making me believe I was guaranteed approval which wasnt the case

Company response to consumer: Closed with explanation