BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft 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 2023-10-05
Company: EQUIFAX, INC.
State: AL
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: ME
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:
This is in regards to an account on my report. The account is XXXX  XXXX XXXX XXXX. 

XXXX. On XX/XX/XXXX this account was reported as a Charge Off by XXXX  XXXX XXXX in XX/XX/XXXX. ( enclosed a copy of credit report from Experian with payment history chart ). 

XXXX. The above account was closed by XXXX  XXXX XXXX on XX/XX/XXXX. ( letter from XXXX  XXXX XXXX also enclosed. ) XXXX. On XX/XX/XXXX Experian changed the credit report to state that the above account was charged off as of XXXX of XXXX. 

How can an account that was previously charged off be charged off again 6 years later. There were XXXX investigations done on this account and that both returned inaccurate information. Also this inaccurate information was also disputed with XXXX, XXXX and already been deleted from my credit file. Changing the Charge Off date changes the Status of Limitations on how many years this can stay on my credit file. The account has been paid in full. 

Please delete this account 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-05-23
Company: CONRAD CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
I went on a vacation with my family of XXXX. I rented a condo through XXXX and when we stayed, we got bombarded with sellers about the benefit of staying at at XXXX XXXX XXXX. My wife and I didn't know what to do and told them we would think about it, but they already had all our information 's and month later I found out i had a contract that I couldn't get out of it. When calling to cancel, I was told that it is too late to cancel and that I have to pay for it. When I found out who own the loan and try calling to cancel, I was told the same thing. I was left with a fraudulent account for over XXXX  USD. This account has been destroying my credit report for many years and i tried everything and they never try or said anything about this fraudulent. I never agreed on that day that I would finalize the deal they went ahead and did it themselves without my consent. I want them to remove this fraudulent information from my credit report. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2020, I received a Citibank promotion mail that offers me a {$500.00} bonus for opening a new checking account with Citibank. The promotions states that by opening a Citibank checking account and deposit {$15000.00} within 30 days of account opening and maintain that balance for over 60 days to be eligible for the {$500.00} bonus. I decided to take this offer and I opened the Citibank checking account around mid XX/XX/2020, and made a deposit of {$15000.00} on XX/XX/2020. I waited for 3 months, and when I check my account, I don't see the {$500.00} bonus, so I called Citibank customer service. A representative told me that the 3 months period is to meet the requirement for the bonus, but it takes at maximum another 3 months for the bonus to deposit into the checking account. Therefore, I waited another 3 months, and when I decided to check the account again on XX/XX/2020, I still don't see the {$500.00} bonus. I called Citibank again, and another representative told me that normally I should have received that bonus on XXXX, but she went ahead and opened a dispute for me and told me I should called back in a week if I don't get contacted. I waited another week, and Citibank did not call me, so I called them again. This time, the representative told me the investigation has concluded, and I am ineligible to get the account bonus. She did not tell me the reason why I am ineligible, she just said a letter has send out and that letter will explain to me the reason. I have yet to received the letter but I am very frustrated that Citibank has not honored the promotion as advertised and even if I am indeed ineligible, they made no effort to inform me in the first 3 months, and instead just told me to wait for another 3 months and keep maintaining that much money in 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 2019-03-19
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After an emergency room visit on XX/XX/18, I received the expected bill, minus the amount my insurance paid. I was not told, upon being admitted, that I would receive MANY other bills, Emergency Room Physicians, Laboratory costs, Radiology, separate from the hospital. When I did, one was a " Final Statement '' demanding payment immediately. I never received any other statements. I called to make payment arrangements. They wanted more than I could afford, because I also had other bills from that visit that I was making payments on, so we agreed on a different amount and I began paying. I also told them that I was waiting to receive an approval for charity care since my salary as a XXXX XXXX XXXX XXXX is quite low and infrequent. They told me I could submit the letter once I received it and they would apply that to my account. I stopped receiving statements and had no idea what my balance was or account number OR where to send the payments ( or pay online ). I tried calling the number listed for the doctor but it was disconnected. The facility, XXXX XXXX XXXX, uses an outside billing service that's not even in my state. I finally had to call my insurance company to find out where they had sent their payment. I mailed my payment with a letter explaining why it was late. I then started to receive collection notices from a collection agency. I called them and explained that I had made payment arrangements with the original creditor. The representative I spoke to said she could see that and she, too, was confused as to why I was placed in collections. I continued to pay the original creditor. I received ANOTHER collection notice, called them again and spoke to a different representative who was very abrupt and accused me of wanting to " argue '' with him. I disconnected the call and sent a C & D letter, but didn't send it Certified, so the notices continue. I am still paying the original creditor. I called the original creditor, again and asked why I stopped getting notices and why they wouldn't take the approval letter for financial assistance from the hospital. The response was : Once you make payment arrangements, we don't send out any more statements. And once you're in collections we can't accept any financial assistance approvals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: LA
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 identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I try to pay off amount, they give me XXXX but now I pay too much, the lady she's lies to me, the app to title Max didn't show what day I need to pay every month, they're change every months the payment day, when I open the app didn't show anything the day, later when I open the app, my payment is past due, they still my money brazenly, They increase my final payment every month by more than XXXX dollars, when finally I already owe XXXX or XXXX, every month I owe more, please u need stop this, it is a shameless steal and nobody does anything, they never lower my account, They hide the day of the payment date, when I finally open the title max XXXX, it turns out that my payment is overdue and once again my account is high I pay again today and they don't show the payment for next month, they hide and just they show XXXX and nothing for XXXX, is too much money they steal Please stop this I think is for all customers like me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call 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 2019-01-12
Company: Experian Information Solutions Inc.
State: SD
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 full true and legal name in the United States is XXXX XXXX. It is the only name I have ever used when applying for credit or financial products which is the only thing my credit report should be used for. I have never applied for a financial product with an alternate name since that would be considered fraud unless it was a miskey by the loan officer or corporate representative. 

Experian is refusing to remove aliases I never provided from my credit report. My assumption is so that XXXX XXXX can continue to use my information to obtain housing and financial services using financial products that have a second market credit rating system. 

The names that Experian is refusing to remove from my report which I never provided are as follows : XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Not only is this information inaccurate, it is insulting. 

In addition to the names which I never provided, Experian is refusing to delete addresses which do not belong to me and have been deleted from reports at other credit reporting agencies. 

Attached is a report from XXXX showing it has deleted the same addresses Experian is refusing to remove from my report. 

There are also three phone numbers on my Experian report that do not belong to me. 
Experian seems to put any information provided to them on their report, which some appears to have come from private investigators working on behalf of creditors who have violated Federal Law. 

One of the creditors is XXXX who I have filed several complaints against. At least one with CFPB. 

Experian is demanding that I contact the creditors to have my address updated and sent to them which I refuse to do, especially with XXXX as they have private loans that have fallen off my credit report and I do not want to " trigger an event '' that will cause the loans to come back on my credit report. 

In the case of one of the addresses which is a commercial address, Experian is claiming XXXX provided the address. I closed the account in XX/XX/XXXX and the first time I visited the address, which again is a commercial address, was in 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 am writing to formally dispute inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. To date, TransUnion has not responded to my inquiry. The following are the details of the incorrect information and the necessary corrections : Account with XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$2200.00} Inaccuracy : This account was never late. 
Request : Please correct this inaccurate information on my credit report. 

Account with XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6500.00} Inaccuracy : This account is not mine. 
Request : Please remove this account from 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 2022-11-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I, XXXX XXXX, am a Consumer/Natural Person. Navy Federal, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that Navy Federal has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking specified remedy as a Consumer/Natural Person. I am demanding the following : Stop illegal negative reporting activity to ALL consumer reporting agencies and report as positive reports. 
Cease communication and use of my intellectual property, unless it pertains to the remedy for violations that occurred. Any further communication with the Consumer must be in writing, delivered via mail to the mailing address located below.

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands within 14 days of receipt of this notice shall : ( a ) be taken as tacit agreement to the claims set forth, ( b ) grant the Consumer all demanded remedies, and ( c ) may result in litigation XXXX XXXXXXXX Consumer/Natural Person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation