BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, XXXX, EXPERIAN ". This charge may lead to a lawsuit. 


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 explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: NY
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:
I sent out a letter on XX/XX/2021, via certified mail, requesting that the XXXX XXXX XXXX account be deleted from my Equifax credit report. On XX/XX/2021, I checked online to see the status of my dispute and wasn't able to locate it. I called Equifax that same day, and they told me that the XXXX XXXX XXXX  account wasn't deleted. I was never notified of the status of the dispute, and I not able to attain any information on this dispute online. I am still asking that this account be deleted from my credit report since it was never verified. Also, this account is reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/ I received a letter from CITI BANK by mail informing me that my account would be canceled five days after XX/XX/XXXX So I called the CITI XXXX line by phone to coordinate the closing of my account and the transfer of my balance, in the call they gave me a reference number : XXXX and they asked me to send an email to the XXXX On XX/XX/XXXX I wrote an email to CITI informing them that I had received their notification to close my checking account and send them a copy of the letter, a " Wire Transfer Request '' format that came in the letter, a copy of my account statement in XXXX, and a copy of my account statement of the CITI account with my current balance. 

On XX/XX/XXXX I received an email from CITI telling me to call the customer service center again to have my check sent to my address in XXXX, TX. 

The same XX/XX/XXXX I received a second email where they inform me that they will do what is necessary to send the check to my house in XXXX, Tx. 

The same XX/XX/XXXX I received an email from a XXXX XXXX, XXXX where he informs me that the process to debit my balance and make the check takes 2 business days and send it to the address I had previously given. 

After this last mentioned communication, I have not received any other answer and I have not received my check with my balance. 

For the last day of XX/XX/XXXX, almost 22 days later I wrote again to ask for an update of the status because they have not answered me the last email that I sent them.

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 2023-04-06
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2023 I received an alert from credit sesame saying I had a new credit card inquiry! I immediately pulled up my credit report and it shows on my report that I inquired about a Lowes credit card. 
I immediately contacted Lowes fraud department and I explained to them that I had not applied for a credit card and that they should remove this account off my credit report! The lady explained to me that they need to take measurement to make sure that it wasnt me! She ask me to verify my social security number and I did and she told me that this is totally different from what she was looking at and then went on to say that I need to contact transunion and let them know that there is an inquiry on my credit report and that it doesnt belong to me! Now, I contacted the XXXX credit bureau and they told me that they can just remove anything without contacted you and making a report and to print it out and send them a company of it! 
Thank you, for your time and patience!

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 2022-12-16
Company: Experian Information Solutions 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES

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 2021-11-05
Company: Strategic Alliances, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XXXX from XXXX XXXX called me. I called back the # XXXX said I owe money from 2018 because of a payday loan from XXXX XXXX. I have never heard of or used My XXXX or XXXX XXXX. XXXX had all my information including where I work,, my address, and social security number. 
I told him it's fraud I've never used these companies. I hung up and called back XXXX minutes later. A man named XXXX picked up and called me XXXX. I do not know XXXX. I talked to XXXX again and he told me that guy was mistaken and he ( XXXX ). Was turning over information to my employer and authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/2023 To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off [ XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification. 

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report. 

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements. 

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law. 

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution. 

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute. 

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, 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 explanation
Consumer complaint received 2022-05-01
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Mandarich Law Group, LLP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On or aboutXX/XX/2019 Mandarich law group , LLP posing as attorney for XXXX , XXXX, a shell corporation previously divested of all assets in bankruptcy, did serve or cause to be served a " request and writ for garnishment ( periodic ) '' on this honorable consumer. 
The unsigned request and writ for garnishment was also filed with the XXXX district court of Michigan. 

This consumer performed a search of state records through the Michigan department of licensing and regulatory affairs, and found that neither Mandarich law group , LLP nor XXXX , XXXX are licensed as collection agencies as required by state law. This consumer has ordered verification of licensure from the Michigan department of licensing and regulatory affairs showing the unlicensed status of the above named entities. 

This consumer believes based upon knowledge thus far gained through public records that Mandarich law group , LLP and/ or XXXX , XXXX are violating federal and state consumer protection laws in an unlawful enterprise. 

Screenshots of Mandarich law group , LLP indicate that they are a debt collectors, are included as uploads. 

P.s. this consumer has previously filed a complaint with the CFPB # XXXX XXXX aimed at XXXX , XXXX , but does not expect a response as XXXX XXXX is a shell corporation .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: National Credit Systems,Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my family. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, 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:
After reviewing my credit report I found these items still there. I have already informed you that the items listed are incorrect inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
I filed identity theft XXXX when tryin to by a home things came up I have sent dispute letter to credit bureaus with no response XXXX will be 30 days Address I never lived before XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived here and never live in my life 2 of the address where my sister old addresses Accounts tht are not mines XXXX XXXXXXXX XXXX this account was paid in full XXXX XXXX XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXX not mines XXXX XXXX XXXX not mines XXXX this was closed n paid please remove XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines I have wrote the credit bureau XXXX disputing all these items and I havent gotten a 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 non-monetary relief
Consumer complaint received 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
on XX/XX/XXXX I put in a dispute with Transunion for 2 items on my credit report about a bankruptcy that was reported of my files I called the bankruptcy court and they did a investigation and found there was no files of a bankruptcy at all so I sent the letter I got from the court to have this removed form my reports Transunion is telling me that it was verified but they refuse to give me the information from where they are receiving there information that tells them that with the letter they received from me from the court the issue should be removed at once due to there is no files on this at the court at all so i m am putting in a complaint to have this removed from my Transunion report due to what is stated in the court letter there are no files of a bankruptcy and want it removed they are also stating that a XXXX  XXXX bank card XXXX is verified as well but they refuse to give me the information from where they are receiving there information that tells them this as well so I would like this removed as well do to it looks like a big error and there is no records of any such account on any other reports from any credit bureaus thank you 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 explanation
Consumer complaint received 2022-05-01
Company: Strategic Alliances, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received notice from XXXXXXXX XXXX XXXXXXXX regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to XXXXXXXX XXXX XXXXXXXX on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. XXXXXXXX XXXX XXXX continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from XXXXXXXX XXXX XXXX which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Problems are twofold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX never explained to Credit Bureaus the nature of problem nor did they ever update fact that issues wee resolved. # 2 - Now I'm working on buying a home & my Credit remains damaged. NOTE : Previously my credit was excellent - for years in the XXXX. The current Problems involve BOTH XXXX XXXX and the 3 major Credit Bureaus . 

Note : My XXXX card was rarely ( maybe never ) used. They charged an annual FEE ( {$35.00}. ). I wanted to cancel the card & simplify my life. I accidentally sent the cancellation request/s to the wrong address - so they kept sending me bills + late fees. Attached documents/letters should explain. 

Another Note : To complicate matters, the XXXX account included membership in the XXXX XXXX XXXX, owned & serviced by XXXX XXXX  XXXX XXXX XXXX. They were the ones charging the FEE, but XXXX sent the bills.

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