BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2018-08-13
Company: Experian Information Solutions 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 have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX  in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

EXPERIAN REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2020-07-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting account number and original balance wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from 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 2018-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
DBA of transaction says dr due to ATM/DEP error XX/XX/2017 amount {$20000.00} was adjusted out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX  XXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MISC Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From XXXX to XXXX, ongoing and repeated deluge of forms and letters from Select Portfolio Servicing Inc. that requested/repeated the same information. Replies sent as requested. Since, SPS has perpetuated errors regarding home appraisal, personal income, and residency/occupancy. 
- XX/XX/XXXX, my husband and homeowner died, house ownership transferred to me via WILL - XX/XX/XXXX, settled estate with lawyer - Fall XXXX, appraiser only visited part of house, leaving errors and omissions in report. Refused to correct ; errors continued by other appraisers - XX/XX/XXXX, Cares Act put moratorium on housing foreclosures- XX/XX/XXXX, SPS contacted XXXX XXXX XXXX, telling them that my house was being foreclosed. XXXX XXXX XXXX cancelled my insurance after that contact. 
- XX/XX/XXXX, new insurance obtained with California XXXX - XX/XX/XXXX, SPS notified XXXX XXXX that my house was being foreclosed and to cancel my insurance. XXXX XXXX responded to SPS that the insurance policy was with me ( the owner ) and not with SPS. 
- XX/XX/XXXX, started working with HUD Counselor, XXXX, XXXX XXXX - XXXX XXXX, SPS repeatedly reported my income as " {$0.00} '' which was and is not true. This error was reported to the HUD counselor, who first noted this error, and SPS. 
- SPS still did not correct this error, which has since been reported to " third parties '' - XX/XX/XXXX, my first mediation hearing in foreclosure prevention/home retention process - XX/XX/XXXX, XXXX XXXX XXXX XXXX phone message that SPS did not want my insurance policy renewed because " the house is unoccupied ''. This is absolutely untrue. 
- XX/XX/XXXX, talked with XXXX XXXX about the issue and confirmed that SPS had indeed falsely reported my house as unoccupied. 
- XX/XX/XXXX, my second mediation hearing for same ; Final Mediation Record obtained - XX/XX/XXXX, owner given 60 days to provide listing agreement, sales contract, before Default Judgement will be sought. Errors with personal income and home occupancy neither acknowledged nor resolved by SPS. SPS denied contacting XXXX XXXX, despite phone message from XXXX XXXX ( XX/XX/XXXX ) saying that SPS contacted them regarding non-renewal of insurance as house was " unoccupied. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, 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 did not make the XXXX XXXX inquiry on XX/XX/2019 and reported it as fraud to XXXX XXXX immediately and disputed the inquiry with Equifax and Equifax did not remove the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Westlake Services, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2013, XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: DISCOVER BANK
State: CA
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 have filed fraud activities with my Discover Credit Card, I have provided suspect information along with police report. Discover sent me a letter stating investigation completed and removed all unauthorized charges, however they charged back to my account in couple of weeks later. They did not investigated properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13
Company: CICA Collection Agency, 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:
XXXX pulling or letting people pull my credit is a violation of my rights also XXXX and XXXX  hacking me just b/c I distuted inaccurate information it's the law I have the right to dispute inaccurate information

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: RSH & Associates, LLC
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2017-11-17
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I cosigned on a SUV with my then husband through Santander. When my husband I separated, I talked to the company and gave the car back. Because the car was barely used, they told me they would sell it for the exact amount I owe and they did. My credit report updated with a closed account and a XXXX balance. Months later, a balance showed up. The next month it increased. So on and so forth. This is unacceptable. A balance should not appear out of nowhere and increase after the car was given back, sold, and was sold for the exact amount ( at least that it was I was told ). This is impacting my credit score even worse. When I called, I literally got no answer about it. Almost as if it was being said to me that this is an 'it is what it is ' situation. Completely unprofessional and unacceptable. I do n't remember the exact dates but it was this year, XX/XX/XXXX. I gave the car back last year, XX/XX/XXXX. Then a balance shows up THIS year a few months ago. The balance now is {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EDvantage LLC
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Tuition Options, a subsidiary of XXXX XXXX XXXX XXXX, withdrew {$320.00} dollars in XXXX from my bank account for tuition to XXXX University. XXXX University closed officially in XXXX. I was no longer attending this school, as it had closed, and the private loan created for me seems to have disappeared from all records. XXXX XXXX XXXX XXXX is a nonprofit that had no background in education or private lending before 2017, and has now closed a school, leaving millions in debt and unsure of their future. My credits are worthless and even the website, https : //www.argosy.edu/closed-school-information does not explain any further recourse to recover monetary losses. It seems like XXXX closed, dumping its liabilities, and changed its name to XXXX University. This was robbery. 
I am owed not the {$320.00} from one month of robbery, but around {$3000.00} in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: NC
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:
REMOVE LISTED ACCOUNTS FROM MY CREDIT REPORT, THESE ACCOUNTS HAVE BEEN REPORTED IN ERROR ON MY CREDIT FILE.

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 2019-05-24
Company: MoneyLion Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Moneylion has sent me to collection and wrecked my credit for a debt I never had and know nothing about. I have never had ANY agreements with them, no communication with this company. I have checked all my bank accounts and all my email. No email, no snail mail. No payments made, No deposits from them. No downloads, no application, no membership agreement, NOTHING! I can not seem to get a call back from them. I have left 3 messages. The phone number is a fax. XXXX denied my dispute and say they verified it was my account but could not tell me how they verified it. I have had no dealings with this company. They have 105 complaints on XXXX. GET THIS OFF MY CREDIT REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not mine, I did not authorize it as I have and still have aTT. They never contacted me for approval on this account

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 2019-05-24
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: Information belongs to someone else

Complaint:
The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX  {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
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:
In my reports a closed account with huge amount of missed payments. Bestbuy/Cbna is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account 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 explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim 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 2022-11-14
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am asserting my rights as the Consumer pursuant to Title 15 U.S.C 1692a Monterey Collection Service fraudulently reporting to XXXX credit agency on XX/XX/2018 an alleged debt without proper validation of the alleged debt. I have no contract with Monterey Coll SVC. They haven't spoken to my peers, which is the only way the can validate the debt. 

The only way Monterey Collection Service or anyone or thing can put something on a credit report is by Federal judge order or I asking as the Consumer and Authorized Representative. I most certainly didn't request to have this added to my report nor did a Federal judge order to put anything on the credit report for the NAME I am the Authorized Representative of. 

Monterey Collection Service is in violation pursuant to 15 U.S.C 1692a ( 2 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692e ( 1 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692d I will use my rights as a Consumer pursuant to 15 U.S.C 1635 to rescind any signature I will use my rights as a Consumer pursuant to 15 U.S.C 1692g ( c ),

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was checking my credit alert to make sure the freeze was still active when I find out the Citi bank authorize a credit card in my name with informing me was it my account., one card was target store credit other was sear credit card in XX/XX/XXXX I live inXX/XX/XXXX and car loan I do n't drive am was a victim of a major bleach and identity thief access my personal information to dteal inonly have one card and never applied for any credit there was a organization I once attend call housing work that I believe s this fraud started the CEO a thief and by I never trust by him he deal with organized criminal and cyber hacker he no trustee of my no lawyer and time many court case against him I never give over any power of attorney and don't do charity fraudulent covid charity may be at I don't do charity and ask for a full investigation I live in public housing program and s place were people who known for cyber crimes tenent that not resident of the building ilegel renting to people be that do crime against citizen and s car jacking ring reporting this because safety and Americans right I defend.and if it take stop thief I will am a victim of a crime, and cyber stalking.

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