BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This communication is in reference to my LexisNexis Accurint Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This communication shall serve as notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This is my eighth notice to LexisNexis regarding the incorrect addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER lived at these addresses and I have NEVER been associated with these addresses. I have notified LexisNexis several times, prior to this communication, that I am a victim of a mixed file at XXXX. Additionally, I have notified LexisNexis that I am a victim of identity theft. LexisNexis is reporting incorrect information that does NOT belong to me. I insist that LexisNexis correct its records as follows : The following addresses are CORRECT. I HAVE resided at and am associated with the following addresses 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 The following addresses are INCORRECT. I have NEVER resided at or been associated with the following addresses : 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 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 Additionally, LexisNexis has previously reinvestigated the incorrect addresses and determined them to be UNVERIFIABLE. Since the incorrect addresses have been previously investigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that the incorrect addresses be promptly and permanently removed from my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-25
Company: ALLY FINANCIAL INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account with ally bank and deposited a check and later realized it was most likely fraudulent so I immediately called ally to tell them to stop the check. I talked to a very nice gentleman who stopped the check and told me to let the funds from the check go in the account and back out of the account and everything will be fine. That happened like he said it would and everything was going well and we were just waiting on our debit cards to come in the mail, it was taking awhile so I called them XX/XX/2023 at approximately XXXX XXXX and they didnt tell me anything was wrong and that my debit cards should be delivered the next day. After that phone call I heard nothing until until about XXXX XXXX the same day I get an email saying that my entire checking account has been closed with no explanation. So I called them back and asked what was going on and they told me that because of that fraudulent check they decided to close the account with no notice other than a letter that I never received and was told by the bank that I probably never received it anyway, they continued to tell me that any remaining funds will be mailed to me and that this was final and irreversible. I have kids and bills to pay and this is just absolutely just not right what so ever

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 2021-03-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
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:
Fair Collections & Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Fair Collections & Outsourcing. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute. Their response yielded a mere fabricated statement that lacked veracity. XXXX has continued to communicate such inaccurate, unverifiable information about delinquent debts to unauthorized third parties and failing to provide written verification of debts. 

In my first dispute letter to them I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND with any of the information. They have not provided evidence of Arkansas penal codes for leasing to further validate their alleged debts. Again, further proves the inaccuracies and their negligence. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. It is obvious that Fair Collections & Outsourcing has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.

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 2023-11-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hey good day for the past weeks I have trouble getting a loan due to 60 days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXX XXXXXXXX XXXX an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: TX
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:
this is my seconded compliant, in accordance with the fair credit reporting act. the list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX # XXXX account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXX XXXX XXXXXXXX account name : XXXX XXXX XXXX XXXX # XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX XXXXXXXX account namXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXXXXXX XXXX  ( original creditor XXXX XXXX XXXX  ) # XXXX account name : XXXX, XXXX ( original creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-27
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has wrongly sent me to collections with Credit Collection Services for a debt they say I owe in the amount of {$76.00} for equipment XXXX alleges I never returned. I have attached numerous documents showing the date and tracking number verifying that I did, in fact, return the equipment pursuant to the guidelines outlined by XXXX. XXXX continues to ignore the evidence that I returned this equipment and they continue to state they never received the equipment. In the meantime, this collection is being reported on my credit report and is harming my credit score. I have sent numerous correspondence to both XXXX and Credit Collection Services, via certified mail, along copies of the tracking numbers, to prove that the equipment was returned. I do not owe this debt, I am not responsible for any of the charges, and I should never have been sent to collections. This incorrect reporting of a collection is doing damage to my credit score and this collection needs reversed. I have contacted the ( 3 ) bureaus, as well as XXXX and Credit Collection Services to solve this matter however, I have not been successful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have been dealing with Carrington. They, at this time, keep asking for more information and will start taking payment and then stop. The house and everything was supposed to be switched into my name, and then it keeps going back into my mother 's and father 's name. Then I have to go back to the first steps to get them to talk to me. But they still requested information in my parents ' names, who both passed away. 
last state showed XXXX to pay off now they want over XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX and XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a dispute back in XXXX for a purchase I made in XXXX of XXXX. The items that I purchased didn't work for me. I've made multiple attempts to get this resolved with the seller. The merchant is unresponsive and the proof is attached to this complaint. That's when I reached out to my bank Citibank to try to retrieve the funds of {$290.00}. I've complied with every request. I've sent in all the supporting documents along with the signed form that they mailed to me via fax. Last week I received a notice that stated that the case is being closed due to not sending in the requested information. I've spoken to 4 dispute supervisors that stated that I sent in the requested documents that was requested of me and nothing further was needed. So again why was this case closed? You'll also see the fax confirmation page of where I sent the information too and the number. 

I feel like I'm being discriminated against because I filed a complaint against them back in XXXX XXXX. I need my money ASAP. I'm tired of them playing games if you listen to all the calls you'll hear 3 of the 4 supervisors saying I would get provisional credit and that has never happened. 

Also every time I called in to check on my case I would be told that that they never received the documents or the case is closed. Once I request to speak to a supervisor the supervisor will tell me the information that the rep gave me was incorrect. I love my account with Citibank but they are very unorganized as an organization.

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 monetary relief
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the account

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: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 we received a call on our home phone that had a caller ID from Bank of America. The man named XXXX said someone was trying to take money out of our checking account in Fla. He said he needed to verify us, just as Boa does, by sending a 6 digit code to our cell phone number which he had. When he did, we gave him the 6 digit code and he proceeded to put us on hold, using the same music system that BOA does. He proceeded to open a XXXX account, which we never had and transferred {$890.00} from our checking account to the XXXX XXXX. When we went to our local bank the next day, we were told no one had every called us. We started a claim on XXXX, and have not had any success in recuperating our funds. 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 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 this consumer sent a certified letter informng Equifax that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from Equifax requesting a copy of my identification and a copy of proof of m address! Equifax is stalling, while this company stalls my life is being negativly affected byt their false reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data eld reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and nancial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to nes or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certied before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. These claims remain unveried until further inquiry can conrm them. More research is needed to support these unsubstantiated assertions. Please report any veried claims immediately. Please certify that all claims that have been veried as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased Bitcoin through this online exchange-Gemini in XXXX, they offer instant deposit up to {$1000.00} on their platform, I deposited {$990.00} and made a trade back to XX/XX/XXXX, after that I have been waiting to get my account verified from Gemini, during the wait, I have no access to my funds my coins my money. Since XX/XX/XXXX, Ive tried every way to get a hold on them including tons of emails, leave messages on their tweeter account, so far I have got 0 reply, nothing from them. And then I go through all their comments on Gemini tweeter account, I realize not only me having this problem, there are a lot of customers experiencing their funds locked by Gemini as well. Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Nelson Cruz & Associates LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection showed up on my credit report and I contacted the collection company and they have no signature and the address is not correct and I have no idea what it is. The collection company said they would not remove it without me filling identity theft.

Company response to consumer: Closed with explanation