BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the inaccuracies from my credit file. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I emphasize the urgency of this matter and the significant impact it has on my financial well being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by Experian, XXXX and XXXX and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to XXXX XXXX be removed immediately. 
XXXX XXXX XXXX Acct # XXXX ( XXXX  ) XXXX XXXX Acct # 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 2022-03-16
Company: Paradigm Assets, LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert on my credit report some time ago that a new collections account had been added by the firm JHPDE FINANCE I , LLC. I was able to find three phone numbers and an e-mail address for them and have contacted them at each multiple times throughout the last few months in an attempt to settle the debt. To date, my voicemail messages and my e-mail messages have been ignored, and the collections account continues to harm my credit. I attempted to get the Credit Bureaus involved to force them to contact me or remove the account, but the effort turned out to be fruitless. All they did was write me back saying " Yep, that's your debt. Call them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022 I submitted my complaints and disputes regarding improper use of my consumer information. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit reports showing the inaccuracies. 

Accounts : 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 2023-08-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Creditor account # XXXX Subject : Cease-and-Desist Notice for Account # XXXX Dear ConServe I am writing to formally bring to your attention a matter of great concern regarding my account, It has come to my attention that certain activities, unauthorized by me, have been taking place within the mentioned account. 

I hereby demand an immediate removal of collection acc. # XXXX and thorough investigation into this matter as it raises serious legal and ethical issues. As per my rights and responsibilities as an account holder with XXXX XXXX XXXX XXXX, I expect prompt and appropriate action to rectify this situation. 


Allow me to emphasize that this account is under my sole ownership, and I am the only individual authorized to conduct transactions on it. Therefore, any transactions carried out without my explicit consent are considered illegitimate and must be reversed or nullified at the earliest. 

I kindly request that you immediately cease and desist all related operations on my account until a full investigation is conducted and a resolution is reached. In addition, I wish to be informed of the steps being taken to rectify this matter and secure my account from further unauthorized activities. 

Please ensure that all communication regarding this issue is conducted in writing and directed to the address provided above. Furthermore, I request that all necessary documentation pertaining to this case be provided to me in a timely manner. 

I trust that XXXX XXXX XXXX XXXX, an institution known for its commitment to customer service, will promptly investigate this matter and take all appropriate actions to resolve this situation. Failure to do so may result in further legal remedies being pursued, should it become necessary. 

I look forward to your immediate attention to this matter and appreciate your cooperation in resolving this dispute promptly. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CITIBANK, N.A.
State: CT
Product: Credit 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:
XXXX XXXX XXXX double billed {$1600.00} for a medical procedure provided to XXXX XXXX ( my wife ) .The double payment was posted to Citicard on XX/XX/. I disputed the extra charge on our Citicard account ( joint account for XXXX and XXXX XXXX ending with XXXX ). XXXX admitted to the error and refunded the extra payment to Citicard on XX/XX/XXXX. XXXX asked that I cancel the dispute to expedite the refund from their system. I communicated this to Citicard but they erroneously assumed I was accepting responsibility for the extra charge and reinstated the charge on our account. I provided evidence to Citicard that I do not owe the extra {$1600.00} charge to XXXX. However, the extra {$1600.00} charge remains on my account despite the fact that XXXX shows a single {$1600.00} payment accepted from Citicard and I am paid in full on my XXXX account with the single payment. That means that there is an extra {$1600.00} payment on our Citicard account that has not been sent to XXXX and has not been refunded to our account. Citicard has ignored multiple email messages from me asking for resolution to the issue. Thus, there is still an extra {$1600.00} payment on our account that is not owed to XXXX and has not been refunded to us. Citicard 's unresponsiveness to this issue has left us no choice but to file this complaint.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
follow up to previous complaint # XXXX : I have attempted to make my payment since the XXXX of XXXX. But the loan is not booked. It is still showing my old payment amount. I can not make a payment on an account that is not booked. I called Wells, and was informed that there was a problem with my mod docs. Apparently the notary date is not legible. I have no calls, emails, or letters from Wells explaining there is an issue with the documents. I explained that it is legible to me. The representative stated they would look in to it further. Which I have no faith that they will. I have made a payment over the phone. It will most likely sit in unapplied. Please expedite the booking and post my payment. There should not be any late fees accrued for this month. Wells claims they are backed up and are taking longer than usual to review, and book their loans. They seem to deliberate in finding issues, to prevent the booking, in order to buy them more 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 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING BALANCES, LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a XXXX d ) ( XXXX ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( XXXX ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.

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 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX personal debit card from Capital One was stolen, and i was defrauded for {$320.00} from an unknown ATM two purchases for {$17.00} were made, unauthorized as my card was stolen previously in the day a mobile deposit was placed into my account, for the amount of {$950.00} COMPLETELY unauthorized, presumably with the intent to defraud me even more. 

after speaking with the capital one customer protection resolution team, they told me that the account will be closed, and my relationship with capital one has ended. now here is the most vile part. 

At the time of writing this complaint, there is {$740.00} in said account. as well as a pending {$320.00} for the claim that the thieves stole from my account. capital one refuses to release my funds to me, either electronically, or physically. i live in XXXX XXXX nevada. there is no capital one branch within 500 miles. employee ID XXXX from capital one said and i quote i have nothing else to tell you. you cant access your money now. you will have to wait the 90 days to get your money back. i believe this is especially heinous and unjust, seeing as i was a customer of capital one, seeing as my situation of being defrauded and essentially robbed of my money, and capital one basically telling me to kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-02-11
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 letter is in response to your CFPB response with closed complaints requiring authorization ; it is not clear that I have attached my state ID and utility bill to certify that it is in fact me submitting the disputes, and you guys closing it without proceeding with your investigation as per my request to reinvestigate. I wrote to inform you that my credit report contains erroneous and inaccurate accounts that are negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
TD retail sent a letter in the mail stating an credit card was opened. I called to state it was fraudulent, and tried to go through fraud dept to dispute. After multiple phone calls from collections, I blocked the number. Roughly 30 days after the first report, I received my first letter in the mail stating I still owe money. After dealing with 5 people and 3 different phone numbers, I was told an affidavit was mailed to me, which I never received, and since it never was filled out and returned, they denied the claim and are asking for funds. Going through the entire process again and not feeling confident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my 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 2020-03-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took steps in sending dispute letters to companies and credit agencies the accounts came back verified how is this possible there not my accounts. 
I then mailed a validation letter out to collection agency and credit agency but no response back or deletions.

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