BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-05
Company: ERC
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:
I have a collection placed on my credit report with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, FL XXXX. 

I have never opened an account with this corporation and they have failed to provide me with a valid proof of debt. 
This negative information was placed on my credit report on XX/XX/2018 for the amount of { {$2100.00} }. 

I initially contacted them on XX/XX/18 requesting validation of said debt as well as provide the credit bureaus with my notice of dispute. I received random unsubstantiated unoriginal ( photocopied ) material and no acknowledgement to the credit bureaus of my legal right to dispute within 30 days notice. 

On XX/XX/18 I sent an additional time stamped, dated letter requesting additional information to which the lines of communication went completely mute and still no legally enforced notification to the credit bureaus of my dispute. 

I have been hindered in opening credit lines and purchasing a home for my family because of this negative information on my credit report. I am including tracking numbers as well as timed stamped certified letters with signatures that proves XXXX XXXX XXXX has received my disputes via USPS the dispute letters were received on. I also have dated credit reports that show my lawfully protected right to dispute under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) have willfully not been followed by this company as well as several other violations. 

It has been more than 30 days and they have failed to respond legally. I am demanding this account be removed immediately due to lack of validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Recieved a Wage garnishment for this credit card account on XX/XX/2018 that i did not open and was a result of identity theft. This company took out {$1000.00} from my check and i would like my money back. XXXX XXXX XXXX-ACCT XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the XXXX you cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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 am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I do not have an account with any of these companies. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: MO
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:
As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX  XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00}

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 2018-12-05
Company: Experian Information Solutions 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:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Experian where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-09-13
Company: EQUIFAX, INC.
State: MA
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:
I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXX XXXX XXXX for {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card account with XXXX XXXX, a division of First National Bank of Omaha. I had a payment due on XX/XX/XXXX. My internet service was out and so I wasn't able to make payment until the XXXX. A few days later I called the company and asked if the ( outrageous ) late payment fee could be waived since I was only hours late and had consistently been paying on time. 

At that time, I was told that my account had been closed in XX/XX/XXXX. The person I spoke to refused to give me the reason and indicated a letter had been sent to me explaining. I did not receive the letter and requested another be sent. I was told it would be. 

I did not receive the second letter after a couple of weeks so I called again to request a 3rd letter be sent. It has now been approximately 6 weeks and I still have not received a letter or any explanation as to why my account was closed. When I go to my account online there is nothing that says the account is closed. 

I have consistently made payments on time on all my accounts. I have had one negative report recently. In XX/XX/XXXX I received an exceptionally high utility bill from XXXX XXXX. I was only able to pay 1/2 on time. The balance I paid with the next payment. I was only one month late with 1/2 of  payment due. I have had service at my present location for almost 30 years. I have never had service disconnected nor had a poor report sent to a credit bureau. This was exceedingly unfair and just plain mean. 

The credit card company closing my account without any apparent reason and refusing to advise the reason is inexcusable.

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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit 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 2017-09-15
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
Sir/Maa 'm, I am currently a in the XXXX XXXX XXXX XXXX that was called to XXXX XXXX in support of our war on terror. I began my tourXX/XX/XXXX and was released on XX/XX/XXXX. I have always in the past had my credit cards set up on the Auto pay system so that I never miss a payment. Unfortunately for an unknown reason, my Chase Slate CC fell off of the Autopay system without my approval. During my XXXX I was notified by my creditors of my enrollment into Service members Civil Relief Act. As a service member most of my benefits began XXXX months before I XXXX and continued for XXXX months after I returned. Unfortunately this does n't apply to the Credit Card companies. During my XXXX I still made some payments on my account without realizing that the Autopay system was disengaged. Last month I finally realized the error and immediately made a payment and once again set up the Autopay system. I am currently pursuing a refinance of our home and was informed that my credit score had significantly dropped due to Chase reporting a 30-day late to the credit bureau. I have always had really great credit and have been with Chase since XX/XX/XXXX. I did call and talk with a credit specialist at Chase and was informed there was nothing that they could do and they would not remove the mark on my record. I did explain my concern and asked if they would apply a 'Goodwill Adjustment '. The representative said again there was nothing they could do for me. After this error occurred I immediately reviewed all my accounts to confirm everything was setup correctly. I hope I have explained this accurately and there might be a way I can have this 30-day late remark removed off my record. Thank you for your time and looking into this matter for me. 

Sincerely, Me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: GreenSky, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My father received financing from XXXX XXXX XXXX  XXXX, Green Sky Financing. He passed away and I am the executor of his estate, I paid off the loan but received a bill after the fact for {$6.00} late fee. He is deceased and therefore couldn't pay-I paid as soon as I received the information to do so. The company refused to refund the late fee even though he is deceased and unable to inform him. I did so as soon as I received the information. It seems to me that the XXXX should have been refunded and the loan allowed to be closed. They go out of their way to make things difficult and continue to charge more fees even though I've sent the necessary paperwork to them as of XX/XX/2018. This is absolutely ridiculous. THey were also rude and harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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 submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I applied for a money market account with a {$500.00} bonus. The terms state : " Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' Can be found here : https : //www.capitalone.com/savings500/ I deposited $ XXXX at three separate times. My individual deposits exceed the $ XXXX requirement for deposit. The bonus nowhere states that a certain balance must be held or maintained. It simply states the sum of deposits -- which I've met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX and Equifax continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: National Judgment Recovery Center, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/18, XXXX XXXX XXXX Attorney for National Judgment Recovery Center, L.P. as assignee of XXXX XXXX XXXX froze and is trying to garnish my saving account which is social security money and is my only means of support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Medical Data Systems, Inc.
State: NV
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:
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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