BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
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:
I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
A physician at XXXX XXXX tried to bill and code my insurance for being out of network. The matter was addressed numerous times and aggressively disputed. The collection agency for the physician and I can only assume the XXXX  uses a collection agency that seems to have many names and per an employee, they represent hundreds of physicans and/or hospitals. The collection agency goes by so many names I can't keep up with them. The name that is falsely reporting on my credit report shows : Transworld Systems Inc. Acct # XXXX, XXXX. XXXX XXXX, XXXX, DE XXXX, XXXX. This matter is compounded because they apologized for putting this matter in collections because it should not have been a debt and charged to begin with because I NEVER gave them consent and they never gave me notice of ANY out of network doctor appearing for a pre-op class. I received a letter of a XXXX balance. They removed it. I also have a document where they stated back in XX/XX/XXXX and I quote : " According to our files, we have not reported account XXXX XXXX to a credit bureau. '' XXXX XXXX advises it was not there in XX/XX/XXXX, this year and now it appears out of no where. So, to me once again, they have acted improperly, illegally, deceptively, and in bad faith and causing me harm by wrongfully reporting this account as a collection on my credit file. Transworld Systems has taken repeated actions that should scare and deeply concern any consumer. On Thursday, XX/XX/XXXX, I called this company and spoke with XXXX. He is a " is patient liaison manager ''. It does not appear from a message he left following our phone conversation that they intend to fix this again and not sneak another derrogatory comment in my credit file regarding something that wasn't a valid debt to begin with and one they said they had not done and one they  cleared to a XXXX balance due to a mistake of their own. XXXX 's number is His number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Credit Systems International, 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: Account information incorrect

Complaint:
The account on my credit related to this company. I have mailed letters to have it removed without any response. HI, There are is an account showing on my credit report for XXXX XXXX Bank. The account number end XXXX. They are reporting to three credit bureaus. All of the information reporting is inconsistent between the 3 bureaus and I don't know about these accounts. I am not even able to get the full account numbers. My birth date is XX/XX/ to help them accurately remove the accounts from my credit. The company is in violation of the credit reporting act. This is predatory and I feel that I am being targeted with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to have Experian validate a account theyre reporting on my credit file from XXXX XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Experian has taken my originals letters I have made it very clear that I do not consent to e-Oscar or any other means of automated verification. Serveral letters requesting this information was delivered and received by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Experian to provide this information in the court of law.

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 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
hello from XX/XX/2020 to XX/XX/2020 I tried transferring two transactions from your Bank of America checking account to my XXXX XXXX account they were both checking accounts the first transaction was to score over {$6000.00} and that one didn't go through because I didn't have no funds from my Bank of America checking account so XXXX XXXX did not allow that transaction a few minutes after that I was trying to transfer {$3000.00} from my Bank of America checking account to my XXXX XXXX checking account directly from my XXXX XXXX ACH withdrawal system in which I registered my Bank of America checking account and verified it with the two and they showed deposit transactions of under a dollar. spoke to XXXX today on XX/XX/2020 and they told me that my bank account had been closed due to business purposesaccount and I don't see the money because XXXX XXXX close my account and I don't have access to view that money that has transferred so to be honest with you consumer finance bureau I do not know where the money is I was just wondering if you can help me from your end to ask Bank of America and XXXX XXXX to see where my {$3000.00} is because I don't see it in either my Bank of America checking account and my XXXX XXXX checking 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 2019-06-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
i was one of the clients of wells fargo bank that was given too many unneeded bank accounts by the same person who worked there. I made a complaint in XXXX and I was assigned a person to over look everything but they didn't help me, I try to get them to send me 3 yrs of bank statements so I can show them all the fees I was charged because all the unneeded bank accounts they set me up with. the same person that set me up with all the unneeded bank accounts she also added another person to my account in XXXX or XXXX the person was added was my ex girl friend ( XXXX XXXX ) it was only myself and my Mother before they added XXXX she was only supposed to be restricted to one account but the teller put her as head of the account, she added her through fax meaning she never had to go in the branch she had her sign paperwork to be placed on my account and had her fax it to her, by the teller doing this I never saw what she was giving her access to. the same teller that did all this is now a bank manager there now, come to find out this was fraudulent because the teller was supposed to have her come in the branch and fill paperwork out in front of her and myself so I can see what access my ex girlfriend ( Miss XXXX ) was going to have, by her adding her as head of the account my ex was able to order credit and debt cards with out my knowledge, I lost everything my business my house everything! I have to file for bankruptcy now. I know that wells Fargo got in trouble for letting there people that work there set people up with too many unneeded bank accounts. please have some call me so I can explain furred in more detail, my lawyer told me to contact you first because you guys can help me settle this with the bank asap. this ruined my whole life please help thanks

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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous requests to Transunion, XXXX, and XXXX   to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN 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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I call transunion a few weeks ago and they told me they were going to have XXXX XXXX deleted from my account because i have no knowledge of it. I disputed the account and all they did was update the information which is making my Credit worse. I had to put a freeze on my consumer report because theres been alot of fraud going on and i am fearful that some has mistaken me for someone else.

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 2023-01-03
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a XXXX account. I been constantly fighting this account and stating this is not my account. The month they say is late i have proof i was with XXXX so this should not be showing up on my credit at all. Im XXXX and this has been a ongoing thing and Ive been working on my credit day in and day out. This really saddens me to know as I am fighting this war this is a another issue I am having to fight. I just would like this remove so i can continue my credit journey and growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: First Data Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my card and money was comprised. In the total amount of {$330.00}. I contacted Money Network in XX/XX/XXXX and reported this matter immediately. Which they indeed closed out the debit card, mailed out a new card which I received and they also stated they will send a dispute form for the transaction amount listed above. After waiting a few weeks I called back in reference to not yet receiving the forms and requested for the forms to be recent out again via mail. After finally receiving both forms a week apart I mailed the first dispute form back via mail and then a week later fax the second dispute form and I was informed a day later after faxing it, that it was received and will take 2-3 days for a provisional credit. Today XX/XX/XXXX makes 3 days and after calling them today. I was told that my account was notated, stating my claim was denied due to inconsistent conflict of information. After researching dozens of complaints from Money Network. This is the claim result that is used/written to deny all claims. I am very unsatisfied with the results as I am a victim and also the length of waisted time this took to only be denied of my hard earned money, which is direct deposited from my employer. This was incident that was not at all my fault and my PIN number and card was compromised. I am requesting for a provisional credit in the amount of my dispute, which is {$330.00} immediately, so I can continue to do business with this company. 

Transaction {$220.00}, Transaction {$100.00}, Fee {$2.00}, Fee {$2.00}

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 2019-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$360.00} Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified as accurate '' without providing proof of debt ; signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. FURTHER, I CERTIFY THAT I AM PERMITTED BY FEDERAL AND STATE LAW TO FILE THIS DISPUTE. I ALSO UNDERSTAND THAT KNOWING AND WILLFUL MISSTATEMENTS OR OMISSIONS OF MATERIAL FACTS CONSTITUTES A FEDERAL CRIMINAL VIOLATION PUNISHABLE UNDER 18 U.S.C. 1001. 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 ALITIGATING 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

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 2019-06-10
Company: Commonwealth Financial Systems, Inc.
State: NC
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:
After numerous attempts to get verification of these fraudulent accounts from XXXX, I have received no verification. These are the fraudulent accounts as follows : XXXX XXXX acct # XXXX. Commonwealth Financial acct # XXXX. XXXX XXXX XXXX XXXX/XXXX acct # XXXX. As of date I still havent had these fraudulent accounts reviewed and verified by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to have Equifax validate a account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Equifax has taken my originals letters have made it very clear that I do not consent to XXXX or any other means of automated verification. Serveral letters requesting this information was delivered and received by Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Equifax to provide this information in the court of law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was nothing to explain further I have been sending letters to Experian and XXXX and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
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:
To whom this may concern, I have asked Experian and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper ( the mortgage company ) processed my payment due XX/XX/2021 on XX/XX/2021. Today, XX/XX/XXXX, an additional payment was taken from my checking account, but was not posted to my mortgage account. I did not authorize this additional payment. 

Mr. Cooper claims on their blog that they are working with banks to correct this and should have been corrected before the payment was posted. This didn't happen, however. I am unsure how they intend to reverse possible fees incurred without contacting every individual. My auto payment had to be delayed and money had to be transferred from my savings to cover for their error and prevent a cascade of additional financial issues. The time lost and the interest lost is not being offered to me, and I would like to be compensated for this effort. 

Mr. Cooper is a name change for this company, which has had issues previously with billing and just settled with the government on this issue. It appears they haven't resolved their issues with billing and processors, and they should take their customers ' finances more seriously.

Company response to consumer: Closed with explanation