BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
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: Information belongs to someone else

Complaint:
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I sent my brother XXXX XXXX {$1400.00} through XXXX a third party. My little brother almost immediately received an email from TD Bank which I have attached which stated the money could not be transferred and was being sent bank to XXXX XXXX at XXXX  XXXX XXXX. Obviously, when he told me about the email immediately checked my bank and noticed the {$1400.00} was not put bank in my bank. Immediately after, I called my bank, XXXX  XXXX XXXX who said the transaction was failed and the money would be posted back in my account because that is what happens when a XXXX transaction FAILS. If the transaction was completed and it went into another account there is absolutely nothing they can do BUT that was not the case. After almost a week I called back and they told me that they have no idea what happened and I would have to file a claim which takes somewhere from 5 - 60 BUSINESS DAYS. Several days later I received a letter from the bank saying the claim has been completed and that the {$1400.00} was put into the wrong account at TD Bank. They stated that TD Bank would have to ask the customer/client for the funds back who received the funds. They said TD reached out to customer and customer declined to release those fund which is the craziest thing I have ever heard in my life. I decided I would call in every day until it was resolved. I know all calls are recorded and every time I called XXXX  XXXX XXXX told me something different. The 2nd time I called in they said TD bank reached out to the customer and never received a response. Keep in mind I was laid off from my job during the time period so that {$1400.00} was vital to my life. I called in once again to XXXX where they escalated the call. They had the XXXX  analyst reach out to the TD analyst who was handling this specific claim who told my XXXX analyst who was handling the claim that they have the {$1400.00} and they would give XXXX  no more more information regarding this. XXXX  XXXX XXXX told me to file a law suite against TD Bank. Again all calls are recorded and to me not only did they steal {$1400.00} but it caused me to move and late payments on all my loan and much much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX XXXX because i was being billed for services up until XXXX but moved out on XXXX. XXXX XXXX told me i had to dispute with online services because they are now collecting on the account. I called in to advise and the representative told me to mail in letter and proof. So i did that. I called back a week later and another representative basically told me that i am responsible for the bill even after seeing the proof that i mailed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion has violated the FCRA law ... And they are erroneously reporting information on my credit file that they have obtained from a third party source. They have not provided any proof that their information is either court ordered or has any authorization bearing my signature that they report directly to the Bankruptcy Courts or Public Records. It is defamation of character as well.I plan on seeing this through until I get a favorable response according to the laws of the FCRA.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay. 


THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}

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 2021-10-06
Company: EQUIFAX, 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions 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 contacted this bureau a few times in the last 90 days on XX/XX/ and XX/XX/XXXX.  Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.

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 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/17 XXXX XXXX called me and wanted to know if I had applied for a XXXX XXXX card. I said " no '' and stated that this was a fraudulent application. Needless to say this inquiry is reflected as a hard inquiry on my XXXX credit report. I called XXXX XXXX  and they told me that they had notified the three reporting agencies about the fraudulent inquiry and should be taken off my credit report. To this date it is still reflected on my XXXX  report. My patience is now exhausted

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 2018-04-19
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Call after I seen it on my report and have yet to hear a response about how the debt is not mine and I had no dealing with this company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Commonwealth Financial Systems, 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:
For the record XXXX XXXX!! I am not Mr . XXXX!! The statement you sent me with a balance and a hospital name IS NOT VALIDATING A DEBT! HOW YOU ARE A LEGAL COMPLIANCE ADMIN AND DONT KNOW THIS??? You did not send me an itemized bill and an itemized bill is NOT A VALIDATION! This debt does not belong to me and needs to be removed! Commonwealth HAS NO VALIDATION that it does! I have a RIGHT to force this debt collector to prove sufficient validation that I owe this debt. Debt validation is MY federal right granted under the Fair Debt Collection Practices Act. If a debt collector can not verify a debt with sufficient proof they can not collect from me and can not list the debt on my credit report. I have attached what commonwealth has sent to me THIS IS PROOF COMMONWEALTH CAN NOT VALIDATE THIS DEBT, AND IT NEEDS TO BE REMOVED! Or I will take the next step to seek payment for damages and them violating the Fair Debt Collection Practices Act. I am not and will not pay this debt! AND ITEMIZED BILL IS NOT VALIDATION. WHERE IS MY SIGNATURE? ANYONE CAN TYPE UP A DEBT AND ADD A NAME AND BALANCE. Remove this from my credit as it should, or send REAL VALIDATION! I HAVE RECORD THAT YOU REPORTED THIS ON MY REPORT XX/XX/2019 I FILLED A COMPLAINT HERE XX/XX/2019 LISTING AN ADDRESS IT WAS NOT UNTIL THEN YOU SENT A LETTER, YOU SHOULD HAVE SENT THE LETTER PRIOR TO ADDING TO MY REPROT, HARASSING ME AND XXXX UP MY CREDIT FOR UNDER {$100.00} FOR SOME XXXX XXXX THAT'S NOT MINE! I WILL SEE YOU IN COURT! WHATS ATTACHED IS NOT VALIDATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: IL
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 not a duplicate request. 

the Experian company continues to report a chapter XXXX bankruptcy that does not belong to me. all the creditors have done investigations and found that I was not the rightful owner of these accounts, these same accounts have been discovered to have been started under the very same address as this chapter XXXX case is reporting. I have attached the investigation results and the police report and FTC report showing that I have never resided at the address that this bankruptcy is reporting under. the XXXX and XXXX companies have since removed and found that I was not liable, however Experian continues to be in direct violation of the law and therefor damaging my reputation after being notified that what they are reporting under my name with this chapter XXXX bankruptcy is not valid

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 2018-04-19
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notified XXXX XXXX initially XX/XX/XXXX, filed necessary FTC report, Police report and dispute with CRA. Account was deleted from CRAs, however XX/XX/XXXX account transferred to another agency CONTRACT CALLERS INC, agency forward me back to XXXX XXXX due to account listed as fraud and information inconsistent with data reported by XXXX XXXX. 
Spoke with XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without resolution.As per XXXX XXXX supervisor, i was informed it was nothing that could be done and file a complaint. 
All 3 CRA had fraud/active duty alerts during this time account was open and XXXX XXXX failed to notify of fraudulent activity and even notify of account being opened.Neither the collection agency nor XXXX XXXX has offered a resolution regarding fraudulent account opened in my name. I am repeatedly hung up on or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX continues to have problems with their system were you can't submitted or provide proof of inaccurate information. 
XXXX continues to over look information that was provided as proof of reporting inaccurate information. 
XXXX is destroying me and family life by not fixing inaccurate report At this point I've submitted XXXX Dispute against ( XXXX XXXX XXXX ) XXXX YOU MUST FOLLOW FEDERAL LAW 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something

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 2023-03-18
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Dates is between XX/XX/22 and today As of XX/XX/22 it say I owed them {$270.00} Total amount {$270.00} The creditor will accept {$200.00} Call them 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 2022-12-06
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX and XXXX of 2022, I received a card in the mail, stating that I was approved. When I applied, the loan was denied and decreased my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Credit Card and checking account was opened in XX/XX/XXXX for my mother. I only had a P.O.A. that says no financial gains. A contract was issued in my mothers name ( Not Mine ). It was under my mothers name as card holder and I would have to use her date of birth and social security to access the account. In XX/XX/XXXX Wells Fargo on there own changed the account which was in there best interest. XX/XX/XXXX my mother pasted away and the accounts were to be closed. Wells Fargo again change the account to my name with out my knowledge and now expects me to pay the account off. 
I have asked for a copy of the contract showing my name on it but was told " Because we remove banking records and history according to guidelines the application is no longer available for review ''. This is not acceptable and the account should be removed from my records. Instead they have reported several months late to the credit bureaus and have destroyed my credit rating.

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 2019-02-27
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For 6 years I have disputed with XXXX XXXX that the debt they placed on my credit report is not mine. The debt is only {$490.00}. I make $ XXXX per year. If I had made that debt, I would have paid it off by now. It hurts my credit. I am in need of credit. Out of principle, I refuse to pay it. That should tell you something. 

The point in the matter is that someone else used the card. I contacted XXXX XXXX and discussed it with them. However, they refused to pursue the case then and they continued to impose this debt on my report. 

Each month they restate this debt on my report. I won't pay it, again out of principle. The debt is not mine. 

Please help me. I finally want this behind me. 

XXXX XXXX Closed ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor Company Sold Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$490.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment Past Due Amount {$490.00} Highest Balance Terms Revolving Responsibility Individual Your Statement Comments Credit line closed-grantor request-reported by subscriber CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH 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 2019-02-27
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: Information belongs to someone else

Complaint:
XXXX XXXXL AS and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is about the elderly and disadvantaged being financially " XXXX '' by the financial card issuer/issuers. Please consider the following information applicable to my complaint. 

On or about XX/XX/XXXX, I received a surprising electronic delinquent account notice and, a late fee notice regarding XX/XX/XXXX. 

Thereafter, on or about XX/XX/XXXX, I called the company 's customer service center and scheduled a {$25.00} electronic payment for XX/XX/XXXX. 

And on XX/XX/XXXX, I logged into my account and attempted to schedule auto draft/bill pay arrangements to be ongoing until the debt is paid.

However the system would only allow me to schedule payments for four months out, XX/XX/XXXX, because I was a delinquent customer. 

When speaking with customer service staff on XX/XX/XXXX, I was told that at the end of XX/XX/XXXX, I would have to enroll electronically, into another auto pay program that the company has. 

I asked if the company auto responder would send me notification warnings about the four month period expiring. 

The customer service person informed me that company did not have an auto responder program for such activity. 

This brings us to the heart of my complaint as follows : 1. Are elderly people, who are on lots of medications and, have XXXX XXXX competent to keep up with this requirement via computer or, toll free number ( s )? 

2. Is it an unreasonable expectation that a XXXX XXXX company can not field an auto responder? 

3. Can it be that the company uses this form of financial " XXXX '' to boost profits from fees collected from the disenfranchised? 

Well, what do I want you to do about my complaint? 

My expectations are that you initiate an investigation into this company and, that you will also peer into the operation of other companies to discern if this is an industrywide practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. 

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 XXXXXXXX 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 2020-10-30
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 contacted XXXX XXXX over a month ago regarding account. I also contacted XXXX, XXXX, and trans union regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed 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