BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


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 DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX XXXX : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX   XXXX  : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX./XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX , XXXX. : XX/XX/XXXX XXXX XXXX., XXXX XXXX : XX/XX/XXXX XXXX XXXX & : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-11
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , CA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX/ XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you

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 2018-10-18
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
paid for services i discontinue XXXX  is still taking money out of my account regions not letting me login and remove the inaccurate charge from 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 2017-11-29
Company: Santander Consumer USA Holdings Inc.
State: AZ
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 a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, SANTANDER CONSUMER USA dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 a debt collector went to my house at around XXXX XXXX  and pounded on my door until my XXXX year old daughter answered. He demanded to know if I lived there and said he had a package for me. She said she was scared and reluctantly opened the door at which time he pushed papers at her and walked away. The paperwork said capital one is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: AMERICAN EXPRESS COMPANY
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:
Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMPANY IS ILLEGALLY TRYING TO COLLECT A DEBT I DO NOT OWE. IVE REACHED OUT TO THEM SEVERAL TIMES ABOUT THIS ERROR ON MY CREDIT REPORT AND NOT ONLY ARE THEY REPORTING IT ONCE BUT THEY ARE REPORTING IT TWICE. IVE BEEN REACHING OUT TO THEM FOR OVER A YEAR AND THEY KEEP SAYING ITS FIXED BUT ITS NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX with a balance of {$1200.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: NV
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 have multiple accounts on my credit report that don't belong to me. I discovered them XX/XX/2020 and filed disputes with all three credit bureaus in XX/XX/2020 as well as filed an identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
date XX/XX/19 amount {$650.00}. Ditech agent proceeded to take two payments of {$650.00} when during the recorded phone call I told her I only had enough for one payment and when I get paid next week I would sent next payment. I looked at my bank account today after the gas station said there was no money on my debit card for gasoline. What I saw was an overdraft for {$500.00}, a {$28.00} charge fee from the bank, and a deficit on the account of {$160.00}. that is when I saw two ach to ditech each for XXXX. I then went to my email and saw two confirmations one minute apart even though only one payment was authorized. I have emailed ditech but have no money now for XXXX as like many others in the country, I live paycheck to paycheck and the little left til paycheck next week was just enough for XXXX. I am sure the company will say it was a mistake, but I would like to say a mistake with consequences. Possibly this double payment mistake has happened to others

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Resurgent Capital Services L.P.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested several times for my credit report to be corrected. LVNV Funding and XXXX XXXX XXXX  has reported that my account was charged off. XXXX XXXX XXXX sold the account to LNVN Funding, they took me to court and ordered me to pay 100 % of the debt. 

I am in the process of purchasing a home, and it is adversely impacting my credit file. I have paid the bill in its entirely. I feel that this is adversely impacting and violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed checking account have private and public sides, after when public side account closed, private side still exist for another three years with a funds what is on my name, I try to used them, but two checks was processed as EFT, but rest of another checks was processed by the banks as ACH, and was revised because processed on public side not on private side, I called to the banks customer service, never met understanding of matter, manager in TD Bank also, very confusing manner responded, I sent certify letter to CEO of the bank, he never respond back, all mail going through computer system process. I need to know, is it Bank try to still my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX. Inquiries : XXXX { XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX/XXXX XXXXXXXX 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 2019-04-19
Company: Experian Information Solutions Inc.
State: IL
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 was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, XXXX, XXXX. Inquiries : 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 non-monetary relief
Consumer complaint received 2021-02-02
Company: STATE FARM BANK, FSB
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from State Farm Bank # XXXX Sold to XXXX collection Agency. On XX/XX/2020 XXXX completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX not only is my father named XXXX XXXX I also have 2 uncles and a cousin named XXXX XXXX It appears the bureaus have merged my information with someone else because I have incurred debt that I know nothing about. I have sent them copied of my DL social security card- but the debts and unknown accounts still remain

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 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was looking at my credit report and noticed multiple accounts that's not familiar. I'm not sure where they can from. Please delete these accounts 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 2019-04-19
Company: EQUIFAX, INC.
State: IL
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 was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXX. Inquiries : 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 non-monetary relief
Consumer complaint received 2018-10-18
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called by multiple numbers from multiple states. They called my wife and family members and provides my ssn on their voicemails. Threatened to sue me, seize my property, and freeze my accounts when I contacted them and told me they didnt care who I had talked to a week prior. Refused to provide any type of written documentation. Threatened to come to my home and job to deliver court documents that are not registered with ujs. Account is no longer on my credit report. Phone number where I reached someone was XXXX. When I refused to give a date and time I would be home he told me he didnt care if I missed my court date and hung up on 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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted each of the credit bureaus to discuss an account that had been paid related to a collections that was showing on my credit reports for XXXX XXXX XX/XX/XXXX Not only did I provide proof that the collection account had been paid in XX/XX/2020, and was considered closed, but the collection company was somehow allowed to publish inaccurate information on my credit reports for the month of XXXX, stating that the account was seriously past due? Rather than update my account to reflect a paid status, the collections agency instead updated my credit reports with a consumer disputes account status instead, even after countless emails and phone calls to get the company to properly update my reports. If it is this easy for collections agencies to place inaccurate debt on your credit reports, then how does any of the requirements set forth in the FCRA actually protect consumers? How is this collection agency allowed to report a PAID account as being past due, AFTER it has been paid, and there is undeniable proof that the debt was paid? This is beyond unacceptable and I demand that my credit reports be updated to an accurate status and removal of this 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