BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OH
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:
My credit report is still showing old MEDICAL debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRUIST FINANCIAL CORPORATION
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-27
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and XXXX have got into the hands of the wrong person.

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 2021-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I explained to the representative that these inquiries did not belong to me. I explained that I did not ask or sign any document requesting anything from these different companies & I did not get anything from them or set up any accounts. Please delete the inquiries that are included on the identity theft that I have attached. This is very important & should be deleted 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 2021-02-11
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company was sent a cease and desist letter, sent by certified mail and received by their office on Monday, XX/XX/XXXX. Today is Thursday, XX/XX/XXXX and they have started calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously filed a CFPB complaint on Nissan In which I requested the following : 1. Copy of contract 2

. debt collector declaration form 3. signed agreement or verifiable proof debtor has a contractual obligation 4. any agreement that bears the signatures of the debtor. These items were spelled out in the documents uploaded. However Nissan responded with only the first 2 pages of the alleged contract and an alleged payment history. The CFPB case was closed without the items requested.

Additionally I am requesting any and all information on any and all insurance policies related to this alleged contract. 

Prior CFPB complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-03-13
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
They did not pay me my cash-back rewards after I met their requirements and after I made many attempts to get this resolved over several months.

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 2020-11-25
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Based on my research, my previous mortgage was with GMAC, which is no longer in business and later discover a third party debt collector, which I have been paying the monthly alleged mortgage on time consistently, I 've notice that in XX/XX/XXXX 2017, which is 1 month of monthly payment was not applied and the payment was returned back to me. However I am paying my taxes and insurance myself on time and no longer in escrow. I also receive more information in regards to Ocwen loan servicing is in violation of Respa, Preditory, Truth n lending, and no consent order or license to collect a debt in the state of Maryland under MD Commissioner Finance office as a third party debt collector. which needs to investigated more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
After repeated marketing offers to upgrade my XXXX XXXX XXXX XXXX to a XXXX  XXXX, I finally accepted though an online process. This was on or about XX/XX/2023. The XXXX card was approved and delivered to my home. I have attached a photo of the card. Since I was now going to use the upgraded card, I contacted XXXX XXXX and instructed them to cancel my Business XXXX XXXX and refund me the annual fee I had recently paid. I was told that I had exceeded the XXXX window to get a refund on the XXXX XXXX XXXX I was now looking at a combined fee of {$790.00} for two XXXX XXXX cards, I instructed the company to cancel the XXXX  Card and reinstate the original XXXX XXXX. On or about XX/XX/2023, I contacted XXXX XXXX again and asked them to reconsider charging me the full {$690.00} fee for the XXXX  Card considering I had already paid {$95.00} for the XXXX XXXX. On this call, the customer service agent said they could offer me a {$50.00} courtesy credit or return me a {$79.00} prorated share of the cancelled XXXX card. ( I was told this was not possible in an earlier call. ) I gratefully accepted the prorated offer and instructed XXXX XXXX to reinstate the previously issued XXXX XXXX. Unbeknownst to me, my credit score was now adversely affected because I had recently cancelled two credit cards. This result was not made clear to me by the company. XXXX XXXX has denied reinstatement of the XXXX  Card twice citing : " A serious delinquency on one or more of your accounts '', " The time since your latest reported delinquency is to recent or unknown '', " There are too few accounts currently paid as agreed '', " The ratio of loan balances and loan amounts is too high. '' ( letters attached ). I have closely examined my finances and have not found any delinquencies or accounts not " currently paid as agreed. '' In my opinion, this is a breakdown in XXXX XXXX internal systems. I have been entrapped by a series of company procedures and computer algorithms that have deeply impacted my credit scores in a serious and harmful manner. I have had repeated contact with XXXX XXXX. They have told me multiple times that they will not reinstate any of the cards and are unable or unwilling to correct any misconceptions with credit agencies. I have requested that XXXX XXXX review my communications and acknowledge the systemic vulnerabilities that have devastated my credit score and besmirched my reputation. Their last stated position is " we are unable to reinstate your credit card. '' Please help me.

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 2021-02-03
Company: NAVY FEDERAL CREDIT UNION
State: MI
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: Investigation took more than 30 days

Complaint:
I sent in request for a investigation in its been well past 30 days for the hard inquiries thats on my credit report that I did not authorize, and they havent sent me anything stating nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, 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:
I have a 30 days late payment XX/XX/2018 XXXX XXXX XXXX.I was in shock because I was never late in my payments.The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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:
There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2020-07-08
Company: SYNCHRONY FINANCIAL
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 received an email from XXXX  XXXX  that I have 2 hard inquiries from XXXX  and 3 from XXXX  1 was from Syncb/XXXX  XX/XX/XXXX ( I spoke to them and theyre sending me a letter to confirm it was fraud ) and the other is from Syncb XXXX XXXX XXXX XXXX XX/XX/XXXX when I asked Syncb/XXXX about it they told me theyre not the same bank and to contact that company but I cant find a customer service phone number and on XXXX  same ones and a new one that I cant get customer service on the phone is from Syncb/XXXX  XX/XX/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 2020-07-08
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Someone opened up this account fraudulently in my name.

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 2019-06-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened a college checking account with Chase. Deposited 2 checks in 2 days, each for {$2000.00} ( from parent ). Funds were held until checks cleared, at which point Chase immediately closed the account. The closure letter, dated XX/XX/XXXX, said a check for the funds would be sent. It's now XX/XX/XXXX and no check has been sent. Chase indicates they are waiting to " verify '' the already-cleared checks. They won't say what " verifying '' means or when that might happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Account status incorrect

Complaint:
I had a credit card with XXXX XXXX. No issues from them or myself from XX/XX/XXXX to XX/XX/XXXX. I authorized a payment. That payment was taken 2 times instead of 1. I contacted their customer service 3 times without success. They out source. The answers l was getting were not making any sense. So l called my bank explain the situation. They confirmed should not happen. They took my payment back. I went about doing what l have done in the past. Come time to make a payment. I had no access to the app or online. I called customer service they said l need to send a letter to my bank not holding them at fault. I said why? you were at fault. They said I have no access unless i provide the letter. I said ok.. I close the account. I made account payments that same conversation. I did what l normally do. Went about a month and just before payment time. I get a notice my account was a charge off for not making payments. I called customer service and they said my account is turned over to collections. I said what??? They had bogus reasons, all not true. I asked to be moved to that Dept. I went over my payments and they were confirmed by them its in their records. So i asked why the Charge off. They said i need to contact fraud Dept. I have left 5 messages never a call back. Or a pdf copy of my account requested since no longer having online access. I called my credit reporter Experian disputed and was given a response all accurate. I went back to my credit report and saw many changes they did to fraudulently provide misleading history. They lied, they have gone in to falsify documents and state inaccurate info about. They are lying, they have been fraudulent, They have produced slanderous statements. They were using extortion to bully me. I need help. They are bullying me and destroying my credit. With lies and slander. I am providing My bank history with balances and confirmation of payments made on time. I am have pictures of credit reporting before and after they falsely adjusted to mislead. If I need to go federal authorities I surely will. The only negative I have in my XXXX years was my son was hurt in a MVA. I had to provide care and pay his hospital bills. I thought about bankruptcy. But decided against it and dismissed without going before the court. I have all bills as shown in credit report on time every time for my XXXX years.

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 2023-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete fraudulent collection and fraudulent unauthorized inquiries

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 2017-09-19
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.

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