BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX  XXXX  XXXX Balance Owed : {$620.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 trying to open a bank account for my business but a account from XXXX comes up under my info and it's not mine that needs to be disputed

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 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is reporting that six ( 6 ) accounts has ever been late, when in fact, I identified only three ( 3 ) accounts that is listed in the attached dispute letter. I am requesting that TransUnion correct their reporting to reflect true and accurate accounts as ever being late to my credit file. If TransUnion identify three ( 3 ) additional accounts outside of the three ( 3 ) accounts that I identified and shown in the attachment, that they please provide me with this information vial mail.

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 2020-12-11
Company: NRA Group, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I received a e-mail from National Recovery Agency about a bill In the amount of {$47.00} their ID is XXXX ( copy from the e-mail NRA ID:XXXX Statement Date:XX/XX/XXXX Total Due : {$47.00} ) I replied to their email ( copy of what I e-mailed back ) ( To Whom it May concern : My wife nor I have never ordered anything from The XXXX XXXX XXXX. What i think this is, probably is a bill for My late Father XXXX XXXX. Please provide me with a copy of the original bill so that I can verify That this is the case. I need to see when the order was placed, and where it was shipped to. If this is truly My late fathers bill I will provide you with a death certificate and other important Information.

I was appointed the administrator of his estate and I had his mail forwarded to my address. 

They never responded to my request. Then on XXXX they sent another collection notice. 

More than likely this is a real old bill of my late mothers who passed away in XX/XX/XXXX, My dad passed away in XX/XX/XXXX. The Court ordered that dads estate to be settled and the closed the file and all money was paid out to all known creditors in XX/XX/XXXX.. According to the estate attorney any bill that came in after the date of discharge were void and not collectable. 
With my Dad and I having similar names I have had other problems with this issue of his bills being put on my credit report. I also have mailed them another letter. attached is the first e-mails, the 2nd e-mail and the current letter. 
Thank you for your help.

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 2023-04-17
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:
Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent

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 2020-12-11
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.

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 2020-12-11
Company: RoundPoint Mortgage Servicing LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For several months, I have attempted to cancel PMI on my single-family residential mortgage with Round Point Mortgage. I have twice been misinformed by RPM personnel regarding the requirements, and today was informed of the denial. 

Because of the ongoing financial challenges and uncertainties due to the COVID-19 pandemic, I was in the RPM mortgage forbearance plan since the Spring. However, I was able to use my pandemic unemployment and other means to keep my mortgage payments generally current since that time. When RPM offered the plan to me, I was told by that customer service agent " no reporting '' - which to me means for ALL credit reporting agencies. I was NOT told that any 30 day late payments would subsequently jeopardize my loan payment history with " the investor '' ; i.e., XXXX XXXX. That was a booby trap setup by RPM. 

Notwithstanding the practical challenges of the surviving the pandemic, I made economic choices of balancing payments - mortgage vs credit card balances? - based on the information RPM stated to me regarding their forbearance plan. In addition to keep my mortgage generally current, I knew that I needed to also reduce credit card balances to be able to keep my credit score ( s ) high enough for a successful refinance. I should now be able to reduce the APR by almost half. 

I was told during a telephone conversation with an RPM customer service agent on XX/XX/XXXX that by making an additional mortgage payment ( for XXXX ), bringing the account current ; and, by getting off of the RPM forbearance plan, I would be able to have PMI cancelled. I had already made the XXXX payment on XX/XX/XXXX. I submitted the required documentation / request as instructed by the XXXX agent, and was told to expect an appraisal soon. My home 's value has increased significantly, so the loan balance -to- appraised value is well below the 80 % threshold, which the agent agreed with based on our views of it on XXXX. 

Despite this assurances and information provided BY RPM PERSONNEL, I was forwarded the denial letter today as part of a telephone discussion with an RPM " Customer Advocate Specialist ''. 

The bottom line is that RPM set me up to allow themselves and/or their " investor '', XXXX XXXX, to improperly continue to collect about {$170.00} per month in PMI, despite the fact that I've qualified for PMI cancellation for many 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 explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: TN
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:
It has been a battle going through this and I am writing to delete the following accounts in my file. The accounts I need to be deleted are listed in the report.I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and attach the said report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the accounts listed below showing on my credit report. I, therefore, request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts as soon as possible. 
DEPTEDXXXX XXXXXXXX Balance : {$7100.00}, DEPTEDXXXX XXXXXXXX Balance : {$3600.00}

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 2022-07-06
Company: Chime Financial Inc
State: MS
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:
My debit card was stolen on XX/XX/XXXX at my local XXXX  On XX/XX/XXXX at XXXX my checking account was charged {$520.00} from XXXX. I was also charged 2 other transactions but they both were declined. I called my bank at XXXX on XX/XX/XXXX and let them know about these transactions and about my card being stolen. They would not let me dispute the charge until it had cleared my account. 4 days later, the charge cleared and i was able to dispute. I was denied. I have done XXXX rebuttals, and all have been denied. I filed a police report, contacted the merchant and got proof the shipping address is in XXXX and i am still denied. The XXXXXXXX XXXX, which is the bank who FDIC Chime, has denied every dispute i have done. I am still out almost {$600.00} almost 2 months later. I am out of options at this point and need help proving this was not me. My complaint is against Chime which is FDIC through the XXXX XXXX  I filed multiple disputes through Chime and through The XXXXXXXX XXXX and all have been denied. I need help getting approved. I have plenty of evidence. Most of it i have attached, as the rest is on my phone. Please let me know if i need to email the rest to an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 explanation
Consumer complaint received 2022-07-06
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: IL
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:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2020-12-11
Company: Turner Acceptance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company has delayed posting of payments since the account was originally opened. Failed to apply payments to the account immediately upon receipt. Held payments beyond receive date. Failed to correct and update payment history. Charged extra interest and late fees that should not have been accrued. Requested a breakdown of daily interest, daily per dium and payment history and was hung up on. The remaining balance is incorrect. This company has been called more than 30 times to request these issues get resolved. They refuse to assist. They refuse to resolve these issues! They refuse to credit the account appropriately. All calls made to the company have been recorded for quality assurance purposes. I am requesting that this loan is updated to all major credit agencies as closed, paid in full, never late. I am requesting that the vehicle title is mailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Their investigation did not fix an error on your report

Complaint:
Re : Complaint against XXXX, TransUnion, and XXXX for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, TransUnion, and XXXX for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by XXXX, TransUnion, and XXXX is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations. 
3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2021-02-26
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a debt on my credit report for a service I never had. At first I was given misinformation from them and my peers. They had also told me repeatedly that I am liable if I " get services for anyone '' when I told them I wasn't even at that address and someone used a service under my name ( liable for identity fraud ) which can be corroborated via call recordings. My peers had told me I can pay or settle and unaware of my rights I just let it be. Upon discovering my rights through reading the FDCPA I contacted the company to ask for validation. They claimed statutory validation under 15 USC 1692g ( a ) ( 3 ). The statute however, states " within thirty days after receipt '' and without the successful delivery of said letter did not apply. I attempted through several letters to correct the issue but their only response was template letter. After several attempts and through my previous complaint through this agency, I finally received proof from them that a letter was mailed through their vendor " XXXX '' via USPS. I attempted to verify this by tracking down the whereabouts of the letter but USPS employees notified me as there's no tracking information they are unable to do any investigation into the letter. I need this company to comply with federal statutes and provide validation of the debt through copies if the original contract bearing my signature. If I an legally liable for said debt why are they stonewalling me and attempting to pawn off the burden of on anyone but themselves? The laws and regulations of the FDCPA exist for a reason so please let 's enforce it.

Company response to consumer: Closed with explanation