BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I call commonwealth financial to talk about why I had a collection. I did not receive A itemized list for what they say services I owe. I did not receive treatment from this facility. They do not have proof or a signature stating these service were indeed rendered to me. I disputed with them before and have yet received proof. They have not validated or verified that it is my debt. They hung the phone up in my face while I was trying to resolve the issue in a respectful manner. It should be on a recorded line. This would be considered verbal and communication abuse. I am asking that the be held responsible for there wrong doing and the collection be removed from my credit report asap. Please have them send me all bills, itemized list, my signature, any documents that may verify or validate this debt. If they do not have these all items they must be deleted from the credit report he also lied about what hospital it was from he said XXXX once I told I had not been to XXXX hospital he then said thats not what he said. I also would like a copy of their license to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: MD
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: VA
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:
Complaint is against the XXXX XXXX XXXX XXXX for XXXX separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXX XXXX XXXX XXXX  originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( Experian, XXXX and XXXX ) and any others unknown to me, in this year of XXXX. In disputing this with Experian twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all XXXX loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.

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 2021-04-02
Company: EQUIFAX, 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TD BANK US HOLDING COMPANY
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:
As of XX/XX/2023, my credit bureaus have added a new hard inquiry from an unknown authority. The TD BANK/Target inquiry did not come from any inquiry of my doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/23, I applied for what I thought was a flexible spending credit/debit card through Upgrade bank. The offer was for a {$400.00} welcome bonus when you sign up for both the card and their checking account. They offer good interest rates, so I decided to sign up. 

POSSIBLY IMPORTANT- I saw the offer on the XXXX app, and clicked the link to apply through that app. 

After the initial application process, I thought it was odd that I wasn't prompted to open a checking account. It was after midnight at this point, so I decided to deal with it when I woke up in the morning. I signed up for a checking account later on XXXX, and added a savings account. I then called the bank to make sure I didn't miss anything with the application process. 

I was told by Upgrade customer service that I didn't qualify for a {$400.00} bonus, that my bonus offer was {$100.00} after I spent {$500.00} on the line of credit. They went on to tell me that the {$400.00} offer was through XXXX XXXX, and I should go to them with any further questions. 

I tried to contact XXXX XXXX that day through their online help form, and got no response. 

Today, XXXX, I looked at all the pages on Upgrade 's website, and found the {$400.00} signup offer- it was for a card, connected to a checking account, just like I originally tried to sign up for. I tried again to contact the bank and asked if they could correct my account, since I applied for one financial product, and received another. 

They told me that they couldn't make any changes, and that XXXX XXXX was responsible for the error, since I clicked a link through their website. 

I contacted XXXX XXXX through online chat, and was told, in essence, that they had nothing to do with affiliate links and couldn't correct anything on their end. 

I called Upgrade and closed out all the accounts. 

Aside from infuriation, wasted time, and a hard inquiry on my credit report ( that was advertised on XXXX XXXX as a soft inquiry only ), I haven't been harmed. However, I wanted to make a report, because it seems unlikely to me that a financial institution would advertise a product with a high financial incentive and then " accidentally '' give customers a high interest ( 21.96 % ) line of credit instead. I believe that Upgrade, XXXX XXXX, or both, may be involved in a bait-and-switch scheme, and if I had really needed a loan and drawn on it right away, I would have been stuck, as I'm sure many people have been by this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: PA
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:
After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX   XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: TX
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS 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. Please delete the items as soon as possible.

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 2020-08-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I noticed items on my credit report that didnt belong to me. I sent in a dispute letter to have the negative items investigated and removed from my report on XX/XX/XXXX. On XX/XX/XXXX I sent in a 30 day demand to comply letter and its now XX/XX/XXXX and ive yet to receive any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXXXXXX XXXX Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a member of Wells Fargo bank since 2012 this past year. My sister has repeatedly used my card without my knowledge I would see her on and off the road when her and her ex-boyfriend or her and her babies daddy would come through town on their semi truck Dropping loads here and there and my card would come up missing then transactions will take place or disputes would take place in my account was completely ruined. Wells Fargo gave me my money back at first then they made me pay them the money back on top of that whatever was disputed I had to pay that company back as well, and when I contacted Wells Fargo about this, they said they were closing my account because we have an account with them is not beneficial for them and they told me I would have to contact visa to get my funds back because visa is the one holding the money from the dispute from where I had to pay the bank back and pay the company back That was disputed

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 2020-09-28
Company: AmeriCollect
State: AZ
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: Investigation took more than 30 days

Complaint:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
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:
Inquires i didnt give authorization to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an auto loan with Ally Bank. It was paid off on XX/XX/19. I need to do a title transfer, so I tried locating my title in my safe, only to find that it was missing. I went through the trouble of requesting a duplicate from PA, only to find that the lien on the car had never been released ; I had never received my title. 

I have been attempting for months, at this point, to get Ally bank to release the lien. After many many phone calls and tens of hours wasted, they said that I had to have the dealer, from which I purchased the car, get involved. I did and the controller there has been very helpful. He has been attempting for weeks to get this resolved as well. Ally had been contacting him daily to inform him that nothing had been done. They've ceased doing that. The controller recommended I file a complaint at this point. 

After more than a year and a half after being paid off, I no longer have the loan number. 
Ally has been able to identify the lien via the VIN, but has been either unwilling or incompetent to release the lien. The most recent case number with Allied is available upon request ( I have many open ).

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 2023-02-23
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
TRANSUNION IS STILL INACCURATELY REPORTING LATE PAYMENTS ON THIS ACCOUNT : XXXX XXXX XXXX # XXXX : This account was never late, it was paid in full and closed on XX/XX/2022 TRANSUNION STILL KEEPS REPORTING DIFFERENT PAYMENT HISTORY CHANGES. WHY? THIS ACCOUNT WAS PAID OFF MONTHS AGO, WHY IS TRANSUNION REPORTING ON TIME PERCENTAGE CHANGES? RECENTLY TWICE IN XX/XX/2022? WHERE IS THIS INFORMATION COMING FROM? ON XX/XX/XXXX OUT OF NOWHERE A MISSED PAYMENT WAS ADDED, THIS IS UNVERIFIED, UNTRUE AND WITHOUT ANY PROOF. WHY IS TRANSUNION CHANGING MY PAYMENT HISTORY TWICE IN ONE MONTH, 6 MONTHS AFTER THE ACCOUNT WAS PAID IN FULL. 
I HAVE ALREADY DIPSUTED THIS ACCOUNT 5 TIMES AND ASKED FOR LATE PAYMENT PROOF AND VERIFICATION OF TRANSUNIONS INDEPENDANT INVESTIGATION RESULTS, NOTHING WAS EVER PROVIDED TO ME FROM XXXX written proof EVER!! 
TRANSUNION IS VIOLATING MY RIGHTS AGAIN, I HAVE BEEN FILING MULTIPLE COMPLAINTS ALREADY AND I WILL HAVE TO CONSULT WITH A CONSUMER ATTORNEY TO PROTECT MY CONSUMER RIGHTS.

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