BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-10-15
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 account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!

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 2021-07-12
Company: Synovus Bank
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I sent XXXX a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
THIS IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2023-07-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My divorce was just recently final and I was in a very toxic, XXXX  marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

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 2023-02-04
Company: EQUIFAX, 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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Possible Financial Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving collection notices in the amount of {$56.00} the collection had been reported past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, 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 2019-11-04
Company: EQUIFAX, INC.
State: FL
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:
I've had an ongoing problem with getting Equifax not actually completing disputes. This previously happened with a dispute I submitted for inaccurate reporting for XXXX. They said they completed the dispute on XX/XX/2019 ; still showing my account was late ( Account History with Status Codes ) However after speaking with the loan officer they informed me, they hadn't received a dispute in over a year. How is this possible? I had to reach back out to Equifax, initiate another dispute, with the email correspondence from my loan officer. At that time a real investigation was completed, and the inaccurate  information was updated. 

They're doing the same thing again. I initiated a dispute with Equifax because some how, Equifax and XXXX are reporting two different date of last activity on a XXXX account. They're 5 months apart. In addition to my concern for the attempt to re-age this account, the credit reporting agencies have a duty to ensure the information they're reporting is accurate and complete. The XXXX AND the Equifax dispute came back VERIFIED. Please see CFPB complaint XXXX for XXXX complaint in regards to this matter. In order to better understand this matter, I asked Equifax to provide me with the description in which the investigation was conducted. They have not. Instead they opened another dispute and verified it. 

XXXX now supposedly owns the debt for XXXX, I submitted for verification and validation, and instead they closed the account. CFPB complaint ID XXXX. 

I asked Equifax for the meas by which their investigation was completed for 4 accounts : XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX In response to my request for a description of the investigation they replied with the account be verified and belonging to me ; this is not what I requested. 

It's not fair or legal under the FCRA for these consumer credit reporting agencies to simply put in a 3 digit code in e-oscar, compare a name, an address, or a social and then say the information is accurate. 

When a consumer says the information is inaccurate, an actual investigation to these complaints needs to take place. If an investigation can not be reasonably completed or the information can not be verified, this information is not allowed on the consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-03-10
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: Public record information inaccurate

Complaint:
XXXX XXXX is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

XXXX XXXX has the following in its possession 1 ). the approved forbearance letter from XXXX XXXX, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from XXXX XXXX that the mortgage was paid-in-full on XX/XX/2020 and 3. ) Equifax credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at XXXX XXXX on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with XXXX XXXX, dated XX/XX/2020. XXXX XXXX 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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:
Im have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX XXXX. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account 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 2021-07-12
Company: Conduent Incorporated
State: SD
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:
I had XXXX worth of fraudulent charges made to my On XXXX XXXX debit card..starting from XX/XX/2020 to XX/XX/XXXX XXXX.I called to start my claim..Finally received my paperwork to fill out XXXX XXXX..Filled it out immediately and tried to fax to the numbers they provided to me. Had problems getting the fax to go through ( tried multiple times on a daily basis ) ..called on XXXX XXXX and they told me to scan and email it to them to a email address they provided me..called back 2 days later and they told me to wait a couple weeks..so around XX/XX/XXXX I called them and they told me they do not accept the fraudulent forms by emailso I sent it in the mail and kept trying to fax it..finally on XX/XX/XXXX the fax finally went through..I immediately called and they told me my claim was denied..XXXX XXXX I got a letter say I was denied and I could call there number and get a reasoning on why the investigators denied my claimI called at least 5 times wanting the reasoning on why I was denied and I needed my statements cause I was unable to log into my account to see all the fraudulent charges..after a month I finally got my statements but still never got a reason on why I was denied..I contacted local law enforcement and have a police report stating I was nowhere even close to where these charges were made. I also have documentation on my XXXX vaccination on dates that fraudulent charges were made showing I was in South Dakota when charges were made in California

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: CA
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 inquiries on my credit report that are not mine

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 2023-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Repeated threatening phone calls at all hours of day including late at night. Also when described my situation they threatened to have me arrested and that they could take my social security XXXX check that I get every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt collector is withholding insurance proceeds of {$8100.00} from me. It was my insurance policy. I put money out of my pocket to pay for the home repairs after the XXXX and I am the one who negotiated with the insurance adjuster, met the follow up inspector and submitted my claims for the recoverable depreciation. The {$8100.00} collected is due me - the consumer - not the 3rd party debt collector. Each check sent in was done so via Special Deposit Trust Relations for the benefit of the beneficiary, ie me. Please help me get this returned. I am submitting this request in a good faith attempt to resolve this issue administratively. If necessary, I will go to court next. Thank you kindly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Navy federal as restricted my account and I asked for ymfunds to be sent to me via certified check and all my accounts be closed and they still have not done that they have made numerous adjustments to my account over the last year and it as been problems after problems there was no fraud on my account I never reported any fraud and yet here I am without my money and a restricted account

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