BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The debt is with XXXX XXXX. The debt is not mine. It is of my ex husband. I am tired. I let the debt stay. The debt is in a charge off status and XXXX XXXX has provided me with a letter stating that the status of the loan is in charge of status since XXXX 0f 2018. Equifax and XXXX stated that even though I provided the letter that came from XXXX XXXX  stating that the loan is written off, they will not place the correct status of the loan as written off. Both Equifax and XXXX states that it is not their job to correct the fact that XXXX XXXX  is reporting this wrong to their credit bureaus. XXXX has decided to remove it as they refuse to report incorrect information. I cant make the credit bureaus validate the information so i sent a packet of 14 pages advising them of my rights to have actual and factual credit reporting. they said if XXXX XXXX keeps reporting it to them they will keep reporting it incorrectly. I have been made fun of, spoken to rudely because i simply want Equifax, XXXX and XXXX XXXX  to report that its charges off as stated in the letter XXXX XXXX sent to me. While I will be addressing this later in a lawsuit against all listed. This is causing to my detriment a stop in me getting a mortgage. Please help me at ; least get the fact that this loan is charged off. I have been going at this for months. I need a speedy response with this as i may stay homeless a little longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  card number ending in XXXX I should have a XXXX balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault

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 2023-06-30
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: CITIBANK, N.A.
State: IL
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:
Citi app shows for dispute XXXX that a conditional credit of {$1500.00} has been issued while Citi continues to investigate issue. However, it has been many weeks and the credit still has not posted on my account.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit report. I filed another complaint number XXXX on the CFPB website on XX/XX/2023 in reference to more inaccurate information I saw on my credit report. I have made these inaccuracies known to TransUnion. Nothing has been corrected on my report and TransUnion has claimed to have investigated and verified the accuracy of the information. TransUnion claims to have determined the information including my dispute information. TransUnion is accepting monetary gain from the furnishers of the inaccurate accounts as well as accounts that don't belong to me. TransUnion is engaging in parroting and TransUnion has not properly investigated ANY ACCOUNT furnished to my report and continues to defame me for financial gain. TransUnion has recently been found guilty of these same offenses by the CFPB and the FTC. TransUnion is claiming to agree to settle the invoice yet is requesting authentication documents that I do not have nor am I required to possess such documents by federal regulation, yet TransUnion has attained such nonpublic information against my will. I have never surrendered any non-public information or documents to TransUnion nor instructed TransUnion on what my report should entail, although they have taken it upon themselves to assume this vital role for monetary gain. Trans Union is still allowing collection attempts despite the accounts being under investigation because TransUnion is monetizing the inaccuracies on the report. These are the names of the specific items on the report in question, XXXX XXXX # XXXX {$700.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX {$220.00} the reason you for disputing is inaccuracy ; US DEPT OF EDUCATION # XXXX {$2400.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  ACCT IS PAID & NEVER BEEN LATE the reason you for disputing is inaccuracy ; XXXX XXXX XXXX # XXXX {$910.00} the reason you for disputing is inaccuracy.

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 2017-11-27
Company: EQUIFAX, INC.
State: OH
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 woke up on XX/XX/XXXX to a total of 233 separate emails regarding credit applications, installment loan applications all in all XX/XX/XXXX is when inquires begin but I did n't realize it then. On XX/XX/XXXX and XX/XX/XXXX at my last count XXXX hard inquiries were made and XXXX soft inquiries were done. I have not been able to to view all three credit reports again to see if more are coming. I tried to get on my credit report on Equifax first but die to a cyber insodent it was alarted to get a XXXX premier account. Then got 36 and still counting alarts of activities. I called XXXX first and had my credit fraud alerted. I am in the process of of faud claim with them and XXXX. XXXX said more then likely after a investigation those 50 plus inquires made overnight would be removed from my credit report as to not impact my credit score I have recently worked hard to build. However even after being not able to log on to Equifax due to the being effected by the cyber incident I was told they would n't be removed. All I could do was a fraud alert and a credit freeze. This is a devastatin blow as within the last nine months I have gone from very poor credit to gaining two auto loans and 5 lines of credit. It is very clear this was done with not as a typical consumer would do. I am even thinking I may change my email as I am being overwhelmed with credit offers, turn downs, and junk from anything that 's connected with my email link to credit bureaus. I do n't know how or exactly when this started but there has to more I can do then just a fraud report. This is my credit involved, my personal info, my employment, and worst of all impacts my financial situation when I 've been doing all I 'm supposed to to better it. I was just getting two steps ahead. Now my credit score dropped, my credit is froze, and I see no end to this mess in sight. I have worked hard for Equifax. I thought it would work just as hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: The CMI Group, Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: Cornerstone Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I was residing in XXXX, Alaska in XXXX I had been taken by ambulance from XXXX XXXX to XXXX XXXX. While the Dr was tending to me my fiance ' provided the billing department with my Drivers License as well as my XXXX card and XXXX XXXX card. I am 100 % XXXX and have been since XXXX, however the ER Dr 's office did not file under my insurance within the twelve month period they have to file under. More than a half dozen times in the past two years I have filed a dispute via XXXX and every single dispute has come back in my favor as being correct insurance information had been given to the hospital billing department in XXXX, Alaska on the date that services were rendered. However, everytime Cornerstone Credit Services LLC is forced to remove this collection, they turn right around and file against my credit file again. They are absolutely ruining my credit and preventing my fiance ' and I to be able to proceed with the process to purchase a home for us and our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been out of the United States for a long time and have come back to a disaster. My credit report shows a credit card with Capital One bank was opened in my name and thoroughly used when i was not even in the country. The bank swears it is my card but it is not the case. For one my name is XXXX XXXX not XXXX XXXX my checking account, driver license, and everything I have has XXXX XXXX while the fraudulent credit card has a different name. The addresses are also incorrect. I am not a US citizen and am a permanent resident. Please fix this problem as capital one is disinterested in assisting me as well as it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 non-monetary relief
Consumer complaint received 2022-01-22
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They represented XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX while I was a first-year student at XXXX XXXX XXXX XXXX The apartment promised all students who were, like me, applying at the time believing that you could sublet apartments through their help. They 'promised ' that they would help with the sublet process " until a substitute tenant is found for you ''. I asked for their help for 3 months before my departure and they did not find any substitute tenants, because the apartment management is absolutely horrible. 

It is common for students to transfer out from that campus in the middle of the lease, and knew it up front, yet 'sweet talk ' while obscuring information about the sublet process and convince most of us to stay with them. 

Not only that, after I departed, they sent debt collectors who threatened legal action when I failed to provide the rent because I already moved out, which caused emotional trauma. I could find other students who can support my statement. 

Anyone who demands primary evidence against such establishment can find numerous people who left comlaints on XXXX Review/XXXX  Reviews. If they decide to not settle for a resolution, all of us can stand and make sure they answer to their practices, at least to those in the recent past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : 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 2022-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a derogatory medical collection that has been placed on my Equifax and XXXX consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: DISCOVER BANK
State: TX
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:
on XXXX discover financial ser got a copy of my XXXX credit report i did not try to apply for credit with you guys please remove i have rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX and IQ International Data is falsely trying to collect {$880.00} after move out. I was a former tenant of XXXX XXXX XXXX as a sublet to a previous tenant, XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. After move out, we did not receive our deposit of {$590.00} back from the property that was previously managed by XXXX XXXX. Per California civil code 1950.5 ; Landlords will need to provide an itemized statement of any additional fees and/or the security deposit within 21 days of move out ( https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=1950.5 ). We did not receive either information. I sent out a certified letter requesting said information to XXXX XXXX XXXX but could not get a response as the manager did not check the mail and the letter was returned back to me. I am now, in XXXX receiving a mark on my credit report indicating there is a left over balance of {$880.00} from IQ International debt collection agency, exclaiming I am the sole leasee and only responsible for this debt. Can you please confirm whether or not previous management sent out a full letter explaining all extra charges and deposit allocation addressed to me, XXXX XXXX. The information I received from IQ was a charge of {$790.00} but does not include the deposit of {$590.00} that should have been used had there been any additional charges. Furthermore, the debt collector IQ Data on a recorded call in XX/XX/XXXX, told me that my address was not updated with the United States Postal Service but I am attaching proof that I did update my address for XX/XX/XXXX, and all my other mail was correctly forwarded except the letter from XXXX which I believe a move out statement was never created or even mailed. I reached out to XXXX XXXX in XX/XX/XXXX and was told by XXXX they don't see any info on my account. 

Attached is proof of the updated address and proof of my letter to XXXX XXXX XXXX and the letter that was sent to XXXX XXXX XXXXXXXX with dates attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: ENCORE CAPITAL GROUP INC.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached an agreement with XXXX XXXX XXXX to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a complaint for violating 15 USC 1681a under the FCRA for reporting transactions/payment history and experiences/credit utilization of an individual/consumer. Also any transactions and experiences between a consumer and creditor are to be EXCLUDED from a consumer report 15 USC 1681a ( 2 ) ( 1 ).

Attached is a copy of the dispute sent to credit agency with no response as it has surpassed 30 days.

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 2022-01-22
Company: Experian Information Solutions Inc.
State: AL
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:
Accounts and records XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that 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 non-monetary relief