BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. I have already sent the required/necessary files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Please update the accounts that are erroneous in my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$380000.00}.

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 non-monetary relief
Consumer complaint received 2023-09-13
Company: Medical Data Systems, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to dispute so many accounts that I havent never heard of. I been not using my credit and my credit has been getting used and I am getting punished for this as you see my credit is going up. Only thing I have that I apply for is XXXX and I have XXXX in my account now I need someone to call me at my number XXXX because this is ridiculous and I am trying to buy a house and use my credit and now Im looking at things that I never even applied for even addresses that I dont even know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. I have already sent the required/necessary files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Please update the accounts that are erroneous in my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$380000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have wrote the check to Landlord ( Rental Office ) for rent. Check was altered before deposit by person and HSBC Bank did not verify before the released fund to other person other than Payee ( Rental Office as Rental office never received the check ). I have personally stop by HSBC Branch at XXXX XX/XX/XXXX XXXX XXXX, NY. XXXX Spoke with XXXX XXXX XXXX XXXX. and she have open the case on XX/XX/XXXX. I have also spoke on XX/XX/XXXX and stop by again on XXXX and spoke with her regarding status of my fund. She told me to wait. I have call again her on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX she advised me to wait for 120 days. I can't wait. That was not my fault. Bank error and bank did not verified all the information as it was clearly HSBC bank error and check was altered and released the fund to another person account instead of Business account of Management company. Please assist me to get my fund back into my account ASAP so I can use this fund to pay the rents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: New Southern Loans, Inc
State: VA
Product: Credit reporting 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:
The company refused to honor my privacy protection. They said they was going to report what they want without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed in a rental scam. The guy had assumed someone elses identity and proposed renting a house to me. I sent {$1000.00} for deposit via XXXX. Then the next day the guy wanted more. Then I knew I had been duped. I immediately sent to US bank fraud department. They stated the transaction was legitimate and will not refund my money. Transaction occurred on XX/XX/21. US bank would not send me records of their investigation. They just said in a letter that transaction was legitimate and not refunding money. I called fraud again and they will not send me information about investigation. 

I attached some screen shots. He had me fill out application sent via email. The XXXX account he created I. The fake identity wifes name. He had a lot of information on the identity he stole.

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 2017-12-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on 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 2023-03-15
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX AV XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/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 non-monetary relief
Consumer complaint received 2018-03-06
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My Citi Card credit card has trip delay insurance as part of its benefits ' package. On XX/XX/XXXX filed a claim, Case Number XXXX, Citi card ending in XXXX, in connection with an overnight delay in my trip caused by maintenance issues with XXXX XXXX. The trip date was XX/XX/XXXX. My claim was denied. I requested the credit card company re-evaluate and I made a phone call, and it was again denied. 
My flight from XXXX airport on Thursday, XX/XX/XXXX, was delayed over 12 hours until the following morning, Friday, XX/XX/XXXX. As a direct result of this delay, I was forced to spend the night with my family in XXXX, incurring meals, hotels, and other expenses. I submitted all the documenation of the expenses and the delay as required in my claim form. Prior to incurring any expenses for hotels, meals and other travel expenses. I contacted Citicard Benefits on the evening of XX/XX/2017, to ensure my trip and travel delay expenses would be covered. I pulled up the language from my benefits ' package before incurring any charges on XX/XX/2017. I am a lawyer, and I read through their benefits, and I believed my expenses would be covered. I called them to double-check that I was interpreting the language correctly. 
When I called, Citicard Benefit representative assured me that my trip was covered. I can provide you evidence from my cell phone records of this phone call, should you desire it. In reliance upon the assurances I received from Citicard 's Benefit Specialist, I proceeded to incur expenses in the amount of {$660.00}.

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 monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, per a court order, I have been paying on two accounts from XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two XXXX XXXX XXXX accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors XXXX XXXX XXXX. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to XXXX XXXX XXXX Since the beginning of this, XXXX XXXX XXXX has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
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 2023-03-15
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2017-10-29
Company: U.S. BANCORP
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND US BANK FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: NV
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:
Account Name : Dept of Ed/XXXX Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of EdXXXX Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX  Account # XXXX Amount {$39000.00} Dept Education/XXXX Account # XXXX and # XXXX Opened Dates XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXXXXXX UNIVERSITY  when my loan was with XXXX XXXX XXXX XXXX originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate.

Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: NV
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 have contacted the collection agency XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Weinberg Mediation Group LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting. 

XXXX 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 2023-03-15
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2023-03-19
Company: EQUIFAX, INC.
State: NV
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:
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  All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate. 
I have been in touch with all three credit card companies and they have all agreed to remove the late payments. 
I have tried over and over to get document from each regarding the removal of the late payments with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have contacted the collection agency XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2021-03-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XX/XX/2021, I received an email stating the following : " Hi, During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX '' They have not given me an exact reason nor have they returned my money. I called at XXXX and XXXX on XXXX XX/XX/2021. The first representative hung up on me. The second representative told me that my account was open and functioning on his end. I asked him to open a case and email me the confirmation of it. He had me wait on the line with him for 3 minutes only to resend the exact same email that is above. It seemed as though he was doing it intentionally to mock me and waste my time. The other number he provided is non-functioning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TOYOTA MOTOR CREDIT XXXX Balance {$960.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The account balance is incorrect and the payment history is incorrect.

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