BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Law Office of Michael J. Scott, PC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, the sheriffs department presented me with a letter stating my wages were being garnished due to an unpaid debt. I had no idea that I had been sued by this law firm, Scott and Associates in XXXX, Al. Also, I was not provided either ability to defend the suit in small claims court because I was never presented with such paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I had a scheduled payment to Truist Bank from XXXX XXXX XXXX for {$900.00} for the XXXX mortgage payment that is serviced by Truist. 

On XX/XX/2023 XXXX XXXX called me asking for the payment. After staying on the phone the agent noted that Truist could not 'find a home ' for the payment and 'sent the money back ' to XXXX. XXXX  shows no record of the money being returned to them. I made an ADDITIONAL payment directly online with Truist for the required payment. 

On XX/XX/2023 I called Truist to see what the status was and the agent XXXX ( XXXX and XXXX ) gave me a different story saying that the money was no longer at Truist. I pulled in XXXX XXXX XXXX on the phone and they show no return of the payment. ( XXXX ) Ever since Truist took over the servicing from XXXX XXXX, problems have persisted. They call and show no concern for issues on their end. They always give a different story and don't care about solving it on their end. Only requiring me to make more payments, when I am trying to get the money I have already sent them accounted for.

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 2022-11-25
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 of victim identity theft and have contacted XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Transunion and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me

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 2023-11-02
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, il, XXXX XXXX XXXX XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Early Warning Consumer Services Department, I am writing to formally request the removal of my information from Early Warning Services as allowed under 15 USC Code 1681b. According to this code, I have the right to opt out and prevent my consumer information from being shared without formal written consent. 

Despite this, to my knowledge, I have not provided explicit written authorization for the furnishing or sharing of my personal information with Early Warning Services. Therefore, I am requesting that all information related to me be removed from your database and that any sharing or usage of my data cease immediately. 

Please confirm in writing once this process is completed, as required by law. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-16
Company: National Credit Systems,Inc.
State: OH
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 the second or third time I have filed a complaint over an account from a 3rd Party collection agency that I have never done business with. I demand a re-investigation of the following account : NATIONAL CREDIT SYSTEMS XXXX XXXX I have no record of this account and I never received any documentation of notice before this account was added to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint is for XXXX and USAA bank. 
On XXXX XXXX XXXX. I called my bank immediately after sending a zelle payment to someone who said that they never received the payment for goods to be received later on that day. 
USAA stated that they would investigate and sent me a letter stating that the persons bank has declined to send back the payment and XXXX hasnt responded. 
The person the money was sent to, was supposedly a trusted friend of a coworker. After sending the funds the person said that they never received the money because the email address was off by 1 letter. The person would not give a new email address and stoped all communication with coworker. Clearly this person is committing fraud and that persons bank account has to be receiving several requests for refunds or reversals concerning this persons account and just ignoring that it is happening. As of today I am out of {$150.00}. with no response from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: MRS BPO, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am received numerous texts from a company claiming to be MRS BPO , LLC asking us to contact them at ( XXXX ) XXXX regarding a matter with XXXX XXXX. They also provide the web address of portal.mrsbpo.com. They have an opt out option and we have replied to that opt out numerous times and block the numbers. However, daily for the past XXXX weeks at least, they keep texting the same message from a new number. We do not have an existing account or relationship with XXXX XXXX and certainly don't owe them money. Regardless, this company is not adhering to our requests to stop messaging me. I feel as though this is a scam artist and do not want to contact them using this information provided for fear that they will use that to attempt to hack or steal more of my information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, {$860.00} was withdrawn from an ATM without my knowledge out of my Chase savings account. I promptly filed a fraud complaint through Chase. On XX/XX/XXXX, Chase bank credited my account for {$860.00} while they investigated the fraud claim. On XX/XX/XXXX, Chase reversed the XX/XX/XXXX credits out of my account. I called Chase in order to inquire as to why the credits had been reversed. The Chase associate on the other end claimed the Chase investigation found no evidence of fraud, therefore refused to reimburse me for the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NJ
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 a loan with XXXX XXXX. The current status should not be showing late because I paid it on time XXXX, Equifax and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
I disputed an account, XXXX XXXX XXXX as being past 7 years old. As the original creditor, XXXX XXXX is almost a decade old. Experian then told me the time starts when it is first reported by collections, not when the account first defaults with the " original '' creditor. The have disputed this twice.

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 2023-01-03
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want my account closed but as requested on or before XX/XX/22 but they have refused to acknowledge my request.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
During the Pandemic I was dealing with chronic health conditions and fell ill with mild suspicious COVID symptoms. which lead me to go visit my doctor, I was involved in a rear end collision which put me in more physical pain. therapy and need for increased medication /treatments and supplements, I value and respect my credit and reached out to XXXXXXXX  about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with 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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit reporting act. XXXX  account # 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 an account without my written instruction. 
Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX /Chapter XXXX XXXX XXXX XXXX XXXX /Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy 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 2023-08-07
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When I make additional payment on top of the normal payment I request that the additional payment is to be applied to principle balance but they do not. They put the additional payment towards future monthly payment not due yet so that they continue to charge interest on a incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been in constant contact with XXXX, Equifax, and XXXX They refuse to remove personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have unconfirmed inquiry lacking certifiable evidence I would like them to be removed please. 

XXXX- XXXX XXXX :  XX/XX/XXXX XXXX- XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/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 2023-12-08
Company: Incomm Holdings Inc.
State: CT
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Multiple vanilla visa gift cards were purchased. However, upon use 1 card was fraudulently used and the other magnetic strips from the other cards were damaged. Case numbers with pictures are provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: United Shore Financial Services, LLC
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Constant very nasty- rude harassment and disrespect from a company claiming to be United wholesale mortgage. Incendiary remarks. Refuses to take me off their call list. Numbers Ive been called from ; XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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