BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
These accounts do not belong to me and I'm demanding that they be removed from my credit file.

1 ) US Dept of Education {$4200.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/Nelnet {$4000.00} 4 ) Dept of ED/Nelnet {$3500.00}, please block the above accounts.

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 2019-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
There are two inquiries that were placed on my credit report on XX/XX/XXXX from KOHLS/CAPONE and on XX/XX/XXXX from CABELAS/XXXX, I sent the credit bureaus a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All that I received from XXXX and XXXX was a copy of the credit report saying that this company verified or validated these two inquiries. What I received from the credit bureaus is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, this applications were submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX never belonged to me. My Social Security number does NOT end in XXXX, the correct last four are XXXX. There are several numbers listed and the only correct phone number that has belonged to me is XXXX. Spouse or co-applicant should be XXXX XXXX XXXX XXXX, not XXXX. Please remove XXXX, for he is not my husband and we do not have any credit lines together. I can provide a marriage certificate and demonstrate he does not belong under spouse. I would like his name to be removed completely from my file or association.

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 2023-03-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am XXXX and on a fixed incomeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked Macys several times to lower my interest because over {$200.00} a month of my {$350.00} payment goes to interest. The most recent I had an email sent, I cant do on my own on XX/XX/2023.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A verification letter was sent for a auto file that failed to verify anything. This file was deleted by Experian XXXX XXXX. Which by law it was supposed to be deleted. Today XXXX XXXX, Experian reopened the file and in less than an hour put it right back on my file without showing any proof of verification. That clearly goes against the fair credit reporting act and this item should be deleted immediately, and permanently.

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 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : TransUnion : XXXX : To : TransUnion, XXXX, & XXXX. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, TransUnion, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
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 2023-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It all started in XXXX when my X-wife declared bankruptcy in federal court in XXXX FL. 
At no time was i evendence from attorneys in XXXX XXXX FL. stating i owed {$32000.00}. When I contacted them i was told only PHH Mortgage was to be contacted, which i did. They refereed my back to the Attorneys which i did. Then i get a pre-foreclosure. Contacted them again and once again was refereed back to PHH. they would now not returned phone calls, And when they did talk to me they said they had NOTHING with my name on it. I then sent them a copy of the Mortgage, Deed and certified order from from the Federal Court by fax and certified Mail twice and other documents. They told me I out of luck and my only option was foreclosure. For over 6 months they denied me any access to the mortgage. always stating i will not accept payment from me that was i think XXXX of XXXX. fast forward 5 years going 6 and PHH sold mortgage to XXXX and XXXX sold it to XXXX and the XXXX sold it back to XXXX. and every time we start over. a {$28000.00} mortgage went {$3200.00} in XX/XX/XXXX to who knows how much now. I have spent tens of thousand over mortgage all because PHH would not accept my payments. I have always said pay the debt but Phh refused. I AM ON THE MORTGAGE SINCE I BOUGHT THE HOUSE I am XXXX years old and this is not right. Sue could use some 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 2023-07-12
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. The require the 3 credit bureaus to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Theres an auto financing account that is over 8 years old on my report from XXXX XXXX XXXX. It was first opened in XXXX of XXXX. This account was fully paid off and closed on XX/XX/XXXX. I recently received a notification from TransUnion regarding a change to my credit report. When I looked, it showed that on XX/XX/XXXX, XXXX XXXX XXXX reported old late payments to TransUnion causing my credit score to drastically drop over 80 points. By law, this company should not still be allowed to report anything negative on this closed account. Ive disputed this through TransUnion to no availasking them to verify this information and remove this old account from my credit report. Ive also tried reaching XXXX XXXX XXXX and keep being told the people that handle these cases are out of the office. Ive left messages. Receiving no calls back.

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 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX/XXXX XXXX added remarks as " affected by natural disaster '' on my account though I'm not affected and I'm making on-time payments till date. I disputed this remark with the bank through bureaus but they returned back this remarks as accurate.

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 2021-07-14
Company: WELLS FARGO & COMPANY
State: WI
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 went to Wells Fargo on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX  XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with Wells Fargo because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future

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 2020-11-27
Company: WELLS FARGO & COMPANY
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:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2023-07-11
Company: EQUIFAX, 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:
Im have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
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: Information belongs to someone else

Complaint:
Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, XXXX found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent Equifax and XXXX as well as XXXX and XXXX is the only company to remove the filing. Still waiting on Equifax and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by Equifax, XXXX and XXXX. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, Equifax and XXXX need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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 sent a request that you are going to reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX i purchased XXXX worth of groceries on my XXXX XXXX XXXX. The very next day i paid in full and the payment showed up on XX/XX/XXXX, I always pay my bill on time. I wasnt even given a grace period for this transaction. Transunion reduced my FICO score XXXX XXXX  because of it. The consumer these days cant win with this company. If you're late they reduce your score and if you pay immediately they reduce your score. There needs to be some fines introduced to stop this time of behavior from these credit bureaus. I find it ironic but on the day Transunion reduced my score, XXXX increased my score.

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 2019-06-03
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 ) XXXX  {$820.00} 3 ) XXXX XXXX {$120.00}

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 non-monetary relief
Consumer complaint received 2019-06-03
Company: Navient Solutions, LLC.
State: WY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently being garnished and it has caused me to lose my home and I have XXXX children XX/XX/12 I pay child support currently also. I make XXXX/hr and where I live the cheapest home is XXXX for a home that is suitable for me and my children! I have contacted the federal student loan company along with the collector it was sold to they have given me no real options other than to pay yet more pmts on top of the garnishment which I can not do! They are taking more than 15 percent out of my managers bonus every pay period they are taking 25 percent and I believe they are also taking 25 percent out of gross pay not disposable pay I have contacted my employer she stated she was doing this correctly but when I follow the paperwork I have found online its incorrect I have emails back and forth saved from the student loan company also!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Genesis FS Card Services, Inc.
State: NY
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:
To whom it may concern, I received a phone call from a company called GENESIS FS Card. They were looking for a payment on a card they issued to some one pretending to be me. As per the agent this is a Master card with the last four ending in XXXX. That's how I learned about this issue. I suggested to them to cancel the card because it was not me. I have no knowledge of this card or account opened in my name. The card company claims the card purchases were made in another state. I am filling the report because I believe I am a victim of FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Netspend Corporation
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I dispute transactions on my account for the amount {$1100.00}. I was XXXX at the time so I couldn't have authorize the transaction and my funds still hasn't been returned to my account. The bank trying to tell me I authorize the transaction.

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