BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2023-07-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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: Personal information incorrect

Complaint:
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC 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 2019-08-19
Company: Experian Information Solutions 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:
To be removed

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 2021-07-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management has been harassing me for the past months such as reaging my account by adding a dollar or subtracting a dollar, also adding late payments to my credit report. These are both illegal tactics, per fcra guidelines they are definitely being violated. I wrote to midland credit about a mov because I want to see a contract with my signature from them or whoever theyre representing in order to add late payments to my account I need proof that that this debt theyre saying is mines is actually mines. I havent received anything from midland regarding my mov but Im still getting letters to possibly settle. I also included in the letter that if this info cant be provided to simply delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Investigation did not fix error

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 2019-11-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 -- 4 unauthorized transactions were posted to my debit card account totaling XXXX These transactions took place without card present.

one Transaction {$300.00} for a XXXX XXXX payment, I advised TD Bank I dont have XXXX as a service and from My account I never had a charge for XXXX EVER! I advised TD Bank the payment must have posted to some persons number why cant they check?? 
a charge from XXXX {$260.00}, I called XXXX but other than tell me it was for a service the name of the person is available but they could not give me.. {$500.00} for a XXXX cash transfer. It was sent to some name I am not familiar with nor had I ever used XXXX. lastly a charge for Lyft for {$28.00}, XXXX being a taxi service it seems strange as I have no spouse or Children and as my statement can Identify I happened to be in XXXX the very same day all these charges were done and had my card since I withdrew {$440.00} from ATM in XXXX ... Also between XXXX there were several electronic transfers for XXXX  I also disputed and was credited by TD Bank.. 
I have now submitted the claim 3 times and 3 times denied and each time i am told decision is final there is no one to further discuss with but if I want they will re-submit claim..?? makes no sense.. Additionally they advised that since there was no aggressive charges ( in who's eyes )?? So why did they quickly approve the Several XXXX XXXX   charges in 2 days, I mean 6 charges in 2 days when I rarely use XXXX XXXX?? and then I found out that all the way into XXXX even the card being closed there wer attempts everyday to make charges.. If that not aggressive I cant explain what would be..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian/XXXX  and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2020-08-03
Company: American Financial Network Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
American Financial Network continues to send me solicitations for mortgage loans, although I am on the do not contact list. This company has been warned before and continues to contact me. They mislead potential customers by claiming VA eligibility, although they are not affiliated with the VA in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted commonwealth on multiple times and requested information is forwarded and only told to contact the XXXX XXXX XX/XX/2022 XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage was original with XXXX, XXXX and XXXX, Then bought out by XXXX XXXX XXXX. I received notices stating my payments hadn't been processed to my account. Next thing I start getting calls from XXXX XXXX XXXX, I tried to submit all my documents to them for help on resolving this matter, Then Fay servicing was calling, neither time was I notified of the switch. I sent XXXX, XXXX XXXX and Fay servicing all information canceled checks and 2 different statements from XXXX with different balance numbers, I also informed them the XXXX XXXX XXXX had walked off and abandoned the property and sent them a abandonment affidavit. I was laid off and struggled with each of these after faxing multiple times loan modification application and not getting any response on this account. I have tried to get them to help me save my home, Fay services stated there was nothing they could do to help me. Not even giving me chance or explanation. This is my home stead property, I am eager to save my home and a chance to do it. Come to find out Fay servicing was mailing information on the home to a XXXX XXXX another address not the home address not XXXX XXXX XXXX .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTHING HAS HAPPEND IS MY ISSUE, NO SCORE 'S?.

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I opened a credit account with XXXX XXXX XXXX on XX/XX/2019. A lady named XXXX opened the account for me. Within a few days I looked at the account online and I noticed a {$5000.00} cash advance had been made from the credit card which I never asked for or approved. I used the card a few other times for small purchases. 
I immediately went into the branch and tried to get the charges reversed. It took a few visits for them to post the payment to the credit card. I am in the middle of trying to apply for a mortgage and buy a home so this couldn't have happened at a worse time. It has taken a month and many visits and phone calls to make any progress at all within XXXX. 

As a result of this my credit score has dropped 100 points because of the maxed out credit card and XXXX still has not reported to the credit reporting bureau that I have repaid the loan.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX : {$14000.00} XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance XXXX {$14000.00} XXXX XXXX Balance XXXX {$12000.00}

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 2023-05-17
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSI is trying to collect a debt that was never owed. XXXX, XXXX, the original company charged me for items they say were not returned, but they were returned and I have proof. Or the " debt '' is for something else. I do not know because it was never established, why the debt was owed in the first place.I have responded on their website that they need to send me proof, unpaid invoices etc but they ignore that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Professional Debt Mediation, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Debt Mediation , Inc., is sending me to collections for the sum of {$5300.00} account number XXXX for an apartment that I did not lease. I have attached a copy of the Final account statement dated XX/XX/2018 from XXXX at XXXX XXXX. The lease agreement shows an eviction for non-payment of rent for Unit XXXX. The name of the persons this Final account statement was addressed to is : XXXX, XXXX and XXXX, XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. In the past, I leased apartment number XXXX. I witnessed the apartment complex manager physically remove my name associated with any issues concerning Unit XXXX, however, I am receiving collection notices from Professional Debt Mediation , Inc. XXXX XXXX was born in XXXX, XXXX. I was born in XXXX, XXXX. I have been in communication with XXXX XXXX at XXXX at XXXX XXXX to help resolve this issue. Her direct number is XXXX ext XXXX. This is clearly an issue of mistaken identity. This debt is not mine ; I do not owe this, and this collection needs to be reversed. I have contacted XXXX at XXXX XXXX directly to fix this however, I have not been successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Balance updated : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Payment status : Credit card lost or stolen Account status : Closed Balance updated : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Once again I am disputing this account. I have called the company and they told me I have to contact XXXX. I have written to XXXX I have called XXXX I have even disputed on this site as well for this. The addresses that this account are attached too are not mine. Please remove items! 

This information is incorrect and is still reporting and showing. I spoke with XXXX with the fraud department on XXXX mentioned there is no fraud alert and it is fully open. 

I have submitting a dispute via phone and I am waiting on my results. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: NC
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:
The problem is about my Chase purchase on XX/XX/XXXX for an amount of {$1600.00} cash plus XXXX points through Chase Ultimate Rewards of a hotel order. 

The problem is caused by that we were assigned a room type that is different from what we reserved ( Because I was traveling with a new girlfriend, we paid for 2 bedroom suite ). But during the checkin, the assigned room in the system is a room type : XXXX, one bedroom suite , which was different item and price in the website. 

During my checking in on XX/XX/XXXX around XXXX : I asked for help from Chase Travel XXXX The specialist refused/ failed to provide any solutions and hung up my call... Then, I immediately called the number on my CHASE card, and mentioned my unsatisfying experience. The solution was provided that I can get the cash refund and we can still stay at the hotel after checking again with the bank. 

Now, the dispute team refuses to dispute the transaction and refuse to take any solutions for this. 

Please don't hesitate to let me know if you need anyting. 

Best, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i was XXXX for a year due to XXXX XXXX i picked up in college. 
my card was used everyday while i was in XXXX, my debit cards and all.my belongings were at the XXXX with the police. 
the charges being made were all online. 
they used up over 14,15,000 $ and my bank is XXXX XXXX me with the 60 days if i had access to my bank or statements yeah i would of reported it right away. there was no way of it being me or anyone i know. i never authorized anyone ....

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 2021-04-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your nonaffiliated third-party companies or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 
3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within ten days specifically denying my instructions, I will assume your records have been noted to comply with this letter. I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name, address and account number identify me sufficiently. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2019-09-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Debit card hold preventing use of funds. Savings account holder XXXX XXXX has XXXX managing a Health Savings Account with a current balance of {$1600.00}. I am currently unable to access the funds in a manner consistent with the deposit and funds availability agreement and I spoke to a supervisor XXXX at XXXX/XXXX  on XX/XX/XXXX who states my employer asked them to hold my funds, which is not something my employer should be able to do. The card is still active, however XXXX is has placed a hold on my account.

Company response to consumer: Closed with explanation