BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: NV
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/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Transfinancial Companies, Inc
State: LA
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:
Transfinancial Companies are reporting medical bills on my account multiple times. I submitted a validation letter and they sent me information back that clearly violates my HIPPA rights. This company does not respond to request and continues to say they verified my account only from my name and social. This type of activity is harmful to my credit reports and their debt collection practices are unethical. 

The accounts reporting are for XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD premier checking account back in XX/XX/2017. I completed all the required actions for qualifying the account opening bonus ( {$300.00} ) as required on time, but have not received the bonus since then. 

Over the course of past one year, I have done everything I could possibly do to resolve the issue with the TD bank. I contacted either the branch, TD phone agent, or online secured message center almost every week. However, till today, I have not received my deserved bonus ( {$300.00} ) yet. TD has been forever kicking me back and forth even though they know the issue but just don't want to face and fix it. As a single customer, I feel so helpless and hopeless to confront such an arrogant giant company. 

I am now so exhausted and have to turn to you for help. Thank you so much for your attention and kind help! I highly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2018-10-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am applying for a mortgage and was told that I had a large amount of medial bills on my credit report and they denied me. When I received the credit report from the mortgage company it listed quite a few very small collections and one large one. The numbers next to the amounts did not correspond to any collection letters I had received. The large amount {$550.00} was unusual enough I tracked down the account and called XXXX XXXX. They apologized and stated it had not been paid by the hospital and was turned over to collections. ( another bill had been paid ) I contacted the Collection Information Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/18 and talked to XXXX. I explained that I needed to verify the amount I owed and she stated I owned {$3700.00}. I asked her to send me a statement to confirm the accounts. I called back on XX/XX/18 and spoke for XXXX who stated the letter went out an call them if it did not show up over the weekend. She stated I owed {$3600.00}. I called back today XX/XX/18 at XXXX XXXX and talked to a male with a strong accent and he told me they could not send another statement out and to check with my post office ( its a holiday for them ). I never received a slip or an letter from them. I told the male that I wanted to pay them. He said have a good day ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.

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 2023-05-24
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: Account information incorrect

Complaint:
I submitted disputes with XXXX  and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with XXXX  nearly a month ago. It is still on my credit report with a balance.

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 2018-10-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX I called Navient until I was able to get a service representative. I have been paying for over 30 months on a fixed amount that was set. They told me to pay for more that 20 years the amount they assign me. Suddenly they increased my payment so when i called them to see why. They said that after 30 months it would increase, then after another 16 months of payments it will increase a lot more for the next XXXX payment. 

I think i go into a company that has scammed me. I need help on figuring out what i need to do. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I currently have another ticket open with CFPB regarding this business which has been open for over 15 days now. XXXX Although this ticket is open and not responded to, Credit Concepts is still continuing to call myself and my employer directly. They have continuously called and emailed my employer directly to " Verify employment '' my employer has verified employment with them several times now, and it's gotten to the point of harrassment. My employer has come to me multiple times now wondering why I have so many calls to verify my employment and are questioning the validity of this business all together. 

I have included screenshots of emails and call logs showing these instances. Please note these recent calls and emails are still happening while Credit Concepts is delaying responding back to my original ticket. I feel these emails, calls, and otherwise, are retaliations to my original CFPB complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: CT
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:
Let me make this clear to you, XXXX  is my student loan account but DP OF EDUC XXXX   IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Government funded loans are not allowed to be reported, this is a clear violation of the FCRA.Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Byrider Franchising, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
so since the XX/XX/2017, we had are car reposed and I filed a compliant then will that same day my husband drove out and talked to them and I called and to the GM at XXXX AR XXXX XXXX and he had told me that they have received the paperwork about or petition of affirmation of asset automatic stay well I sent a story behind that we were mislead and scammed and took for money and it was not filed at all, we did n't know till the next day when they took our truck well when I spoke with the gm from XXXX XXXX in XXXX ar, he said if we filed the petition the next day or when we could and GET IT APPROVED THROUGH THE COURTS THAT WE WOULD GET THE TRUCK BACK AND HE WOULD WORK THE LOAN OUT SO ARE PAYMENTS WOULD BE LOWER AND MONTHLY,. 

WHEN MY HUSBAND GOT THERE THEY TOLD HIM ANOTHER STORY THEY SAID HE HAD TO PAY THE TOWING FEE AND BRING TWO CHECK STUBS FROM ME AND HIM AND THEY WOULD RELEASE THE TRUCK BACK TO US. 

WELL THEY HAVE NOT CALLED OR SPOKE TO US BUT MAYBE THREE TIMES ALL THE WAY UP TO THE XXXX OF THIS MONTH AND THEY TOLD MY HUSBAND THAT WE WERE GETTING THE TRUCK BACK IF I DROPPED CIVIL SUITS AGIANST THEM WHICH I NEVER FILED I FILED COMPLAINTS AND IN THE COMPLAINTS SAID IF THEY DID NOT WORK SOMETHING OUT I WAS GOING TO FILE A SUIT WELL THEY STOPPED TALKING TO US AFTER THAT HERAD NOT A WORD AND FINALLY TODAY MY HUSBAND DECIDED TO CALL WHICH TOOK HIM 30 MINS AND HAD TO CALL 800 NUMBER CAUSE THEY KEPT HANGING UP ON HIM, WELL THEY SAID THEY WOULD CALL HIM BACK WHICH THEY DIDNT AND IT WAS GETTING VERY LATE WERE THEY WOULD CLOSE SO HE CALLED BACK AND THEY TOLD HIM A WHOLE DIFFERENT STORY THEN WHAT THEY HAD TOLD US BOTH AT ALL THEY SAID WE DEFAULTED AND DIDNT HAVE INSURANCE WHICH WE DID HAVE INSURANCE AND WE DIDNT DEFAULT HUSBAND HAD AUTOMATIC WITHDRAWAL WITH THEM WHICH WE HAVE THE SIGNED DOCUMENTS FOR THAT AND THE BANK CAN VERIFY ALL THAT AS WELL THIS IS WRONG AND HE TOLD US HE WASNT EVEN GOING TO CONTACT US ABOUT IT AT ALL THAT THEY WERE JUST GOING TO DO IT AND NOT SAY NOTHING FIRST THEY REPO THE CAR WRONGFULLY LIE TO US ABOUT EVERYTHING THEY WERE GOING TO DO FOR US AND THEN WITH ANY NOTICE OR WORD JUST THROW AWAY THE CONTRACT OUT OF THE SYSTEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}

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 2022-11-18
Company: EQUIFAX, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$9100.00} ; XXXXXXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: MD
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:
Experian credit report : dark web activity Please notify experian

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX DE XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2020-09-17
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:
I am a victim of identity theft. The information listed 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.

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 2023-05-24
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: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I sent a certified letter to Experian the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the XXXX loan and XXXX account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.

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 2018-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a phone call from a company which claimed that they were associated with Chase. They claimed that they would on behalf of me to negotiate with bank to reduce my interest rate. The company asked me about the credit card numbers, zip code and social security numbers. They used their system to tell me my credit card balance. I suspect this company is a cybercrime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Agency  is using my copyrighted name to report derogatory information on their reports. I have sent the company a copyright notice along with a notice to remove derogatory information. Should the information not be removed, the company will receive a copyright infringement notice ( {$500000.00} ) and be put on public record for fraud. The agency in question never received consent from me to report my name, my information or anything from a third party in my name. The agency in question created a " contract '' unwillingly without my consent. No full disclosure was given to the agency in question as to what is being reported.

Company response to consumer: Closed with explanation