BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Experian Consumer Assistance, I hope this letter finds you in good health and high spirits. I am writing to request the removal of a fraud alert that was placed on my credit report. I understand the importance of maintaining the security and integrity of credit information, but I believe the circumstances surrounding the fraud alert no longer warrant its presence on my credit profile. 

I had placed a fraud alert on my Experian credit report on [ Date ] due to [ briefly explain the reason for the fraud alert, such as a suspicious activity or unauthorized access ]. However, after taking necessary steps to resolve the issue and safeguard my personal information, I am confident that the risk of any fraudulent activity has been adequately addressed. 

To provide you with further details, I have taken the following actions to protect my credit and personal information : I immediately contacted the respective financial institutions to report the fraudulent activity and initiate the necessary measures to secure my accounts. 
I filed a police report with the [ Local Police Department ] to document the incident and provide evidence of the fraudulent activity. 
I have diligently monitored my financial statements and credit reports to ensure no additional unauthorized activities have occurred since the initial incident. 
Considering the steps I have taken and the time that has elapsed since the incident, I kindly request that you remove the fraud alert from my Experian credit report. Removing the fraud alert will allow me to proceed with financial transactions and credit applications without unnecessary delays or inconveniences caused by the alert. 

I understand that Experian may require additional documentation or information to process this request. Therefore, please inform me of any further steps I need to take or provide me with a list of supporting documents necessary to expedite the removal process. 

I appreciate your attention to this matter and your commitment to maintaining the integrity of credit information. Should you have any questions or require any additional information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution and the removal of the fraud alert from my Experian credit report. 

Yours sincerely, 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 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a XXXX XXXX XXXX XXXX customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.

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 2022-04-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern ; My credit information may have fallen into the wrong hands due to the Equifax Data breach/ Upon reviewing my credit profile with the credit bureaus I have identified fraudulent inquiries on my credit report of which I will list in this correspondence. 


XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Fraudulent charges on my Banana Republic store credit card Only half of my initial dispute has been resolved. They are still claiming an outstanding amount due. 

This has been going on since XX/XX/XXXX of 2019

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 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XX/XX/XXXX 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 2020-05-15
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020-CMRE was paid in full and confirmed they will update and remove from my credit as agreed. 
The collection company is still reflecting I owe them and has not removed the accounts from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, XXXX, TRANSUNION and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, XXXX, TRANSUNION has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.

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 2022-04-27
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely for false reporting!!

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 2021-01-10
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, my name is XXXX XXXX. My company name is XX/XX/XXXX.my merchant id is XXXX. My clover email is XXXX original cfpb ref # is XXXXFiserv agreed to release {$30000.00} to me and said already sent me an check to my old address XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX without asking my current mailing address last week. But i do not live in that address anymore and i never received that check. Please make an expedited shipping with traceable courier like XX/XX/XXXX or XX/XX/XXXXMy current shipping address is XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXXplease ship an replacement check to my current address asap.please send me tracking number after fiserv shipped my replacement check. Thank you so much.

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 2021-01-10
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. 

# 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. 

They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? 
Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and you are violating my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: AMERICAN EXPRESS COMPANY
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I cancelled a subscription with a merchant, but the merchant continued to charge my credit card and not deliver any goods. After XXXX  the merchant ( XXXX XXXX XXXX ) it seems they shut down the business but continued to charge old customers ' cards without notification. 

I opened a dispute on XX/XX/XXXX to dispute 15 charges against my account totaling {$320.00}. I put a hold on my account to prevent future rebills. 

American Express recently said over chat ( log attached ) that they will only investigate the last 60 days. In my first conversation they said they were investigating all of them. On their website it says at least 120 so I don't know what is correct. 

I received 2 refunds of {$21.00} each for XX/XX/XXXX and XX/XX/XXXX totaling {$42.00}. I received a card declined notification for the charge in XX/XX/XXXX so the merchant was still fraudulently billing. 

This dispute is for a recurring transaction and not just 1 transaction so they don't require investigating each one. All of them should be reversed. I have provided evidence to their customer support already and the response was that they will not investigate it. 

The business doesn't even exist so I don't know how AMEX allowed them to keep charging my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08
Company: Robinson & Hoover
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I asked this company 3 times to provide me the information. I never received any information for a court date and now they have me owing them XXXX and this was never this companies debt. And is also over XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$6500.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 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. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-04-13
Company: DOSS Group, Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
-Started process XX/XX/2023 to refinance a property I own and wanted to change companies of the hard money loan I already have. I told the agents, XXXX XXXX and XXXX XXXX of Doss Home Loans , LLC, that this needed to be done quickly because of the charges I occur from the latter company monthly and I couldnt afford to drag this out over 30days. I was assured they would get this done in that time period as to not cause me more interest and finance charges. This is not what occurred. It is now XXXX XXXX, XXXX  and we still havent gone to closing. Also, some other actions were taken by Doss Home Loans agents that I believe werent needed or up to normal required or legal practices ; which include making us change the property deed out of my business name to my minority partners name without permission from the original lender, which I believe may be a requirement. I never wanted to do this is the first place but they said it had to be done. We were also asked to get several documents notarized that were already legal and filed with the state of Texas ( discriminatory ), these documents do not need to be notarized. This refinance loan was for DCSR for my business rental property. Because of this companys failure to complete this refinance weve lost thousands in potential rental income, its negatively affected my credit score, and weve incurred XXXX in additional mortgage costs & taxes. This has been very stressful and a hardship for me and my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquires on my credit report that are not from my doing, I have tried to get this taken off my credit but the credit bureau still report the inaccurate and fraudulent inquires when I am not the person who actually applied for them on my credit. I tried disputing them online, by mail and calling. I am at my breaking point!

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 2022-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation