BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
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:
I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: KY
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 letter is in response to your recent claim regarding account [ ItemNameAccountList ], which you claim. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX, you should be aware that a print out of a bell or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated annoying calls from Transworld Sytems Inc, stating this is an attempt to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX XXXX  -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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 am filing this complaint because XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Original Creditor : 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 XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I initiated a dispute over 30 days ago with Experian in regards to an item on my credit report. I sent the letter XX/XX/XXXX and have not received any notice or results document. The creditor is trashing my report with inaccurate rpeorting. Please help, I'm trying to buy a house and have run out of options

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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...

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 2018-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted my bank this past Thursday to file a claim for XXXX due to unauthorized transactions through XXXX the smaller charges were credited back to my accountthe next day however the largest of the charges the on XXXX I was told would be XXXX account the next day. When the next day came and passed I was told it would take XXXX he's that time passed I called for 2 days and was to some one from investigation would return my call after that didn't happen I became overdrawn by XXXX I told them prior to this that I don't like to over draft I keep getting the run around it feels like.

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 2021-07-16
Company: CCS Financial Services, 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:
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} CREDIT COLLECTIONS SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an open box computer that was broken from XXXX XXXX on XX/XX/XXXX i returned and exchanged the computer the next day for a new XXXX computer totaling {$1000.00}. the computer malfunctioned within a few weeks of purchasing and i visited the store approximately 15 days after the purchase to return/exchange the computer. the customer service rep at the store stated that the window for return had closed and i must contact XXXX for warranty repair. at this time i was not aware of my right to return a defective item, and was not aware that the store actually had a 30 day return policy. 

i contacted XXXX a few times to try to initiate a warranty repair. they promised to send me an overnight box to ship my computer to them. it took a few weeks from my initial call to actually receive the box. the repair process took about a month. upon receiving the computer back, the computer started malfunctioning again almost immediately. 

this is when i filed a dispute with citi best buy card services, explaining my interaction with the deceptive XXXX XXXX   employee, the defective product, etc. Citi QUICKLY sided with XXXX XXXX on this matter, stating that i was outside of the return window. Ha. its been months, of course its outside of the return window now. i am not disputing that. 

. the problem has gotten progressively worse and the computer is now unusable. i contacted XXXX for a return box about a week and a half ago for a return box. it has not been received and XXXX repeatedly tells me that they have no record that i initiated a second repair request. i contacted Citi yet again to open another dispute. they stated that they have already sided with XXXX XXXX, that it was past the return window, and they will not open a new dispute. 

i question citibanks business practices as they sided with their business partner and provided no valid reason as to why. i should be covered under the purchase protection plan that they offered 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 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
File Number : XXXX Date Issued : XX/XX/XXXX TransUnion refused to remove all UNAUTHORIZED CREDIT INQUIRIES! 
I have been in contact over the past 4 months and TransUnion keep turning me away.TransUnion will not do there job!!! 
INQUIRIES # 1 : XXXX XXXX- XX/XX/XXXX 2 : XXXX XXXX- XX/XX/XXXX 3 : XXXX XXXX- XX/XX/XXXX 4 : XXXX- XX/XX/XXXX 5 : XXXX- XX/XX/XXXX 6 : XXXX XXXX-XX/XX/XXXX 7 : XXXX- XX/XX/XXXX 8 : XXXX XXXX- XX/XX/XXXX 9 : XXXX XXXX XXXX- XX/XX/XXXX 10 :  XXXX XXXX- XX/XX/XXXX 11 : XXXX- XX/XX/XXXX 12 : XXXX- XX/XX/XXXX 13 : XXXX   XXXX.-XX/XX/XXXX 14 : XXXX XXXX- XX/XX/XXXX 15 : XXXX XXXX- XX/XX/XXXX 16 : 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 explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
i disputed address and phone numbers with Transunion not even 10 seconds in they claimed their investigation was complete no way possible that could happen on XX/XX/2022 i tried to dispute the bankruptcy as well 15 U.S. code 1681 states i have the right to privacy nothing was investigated or researched literally less than 10 seconds the investigation was complete.

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 2018-12-13
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:
This is a Fraud file : I have constantly disputes the following account directly with Equifax, over 6 months. The following account are only showing with Equifax, and they have ignored me without proving me from where those accounts are coming from. I even send them a police report proving that they need to investigate those accounts, ( police report was sent on XX/XX/XXXX ). My credit report have been delinquent with information that doesn't belong to me, this PROBLEM is ONLY with EQUIFAX. Also I am concert that the reputation and consumer information of Equifax was stolen not long ago, and now I am paying the price of their fraud. 

How I want you to solve this problem : To call accountable EQUIFAX for the accounts that are reporting on my report, and deleted them as soon as possible. 

Those are the accounts information : 1 ) XXXX on XX/XX/XXXX for {$3400.00} 2 ) XXXX on XX/XX/XXXX for {$1000.00} 3 ) XXXX on XX/XX/XXXX for {$1000.00} 4 ) XXXX on XX/XX/XXXX for {$670.00} 5 ) XXXX on XX/XX/XXXX for {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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 did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute with transunion on XX/XX/XXXX and XX/XX/XXXX with transunion According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never receive correspondence from transunion

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 2019-09-11
Company: Experian Information Solutions Inc.
State: PR
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:
FTC Report Filed and Police Report Filed but account remains unblocked. 
Resubmitting Police Report and new FTC 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 non-monetary relief
Consumer complaint received 2019-09-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am in a XXXX XXXX chase bank in XXXX tx told me to have my durable poa bring unsigned check into bank and deposit it violation 1 he should have never accepted unendorsed check of such multitude now I ordered my checkung account closed and still haven't recueved the remaing amount withen the 9 day period as laws instructed what do an old XXXX wonan do wgen they won't teturn her only funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
From XXXX. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail

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 2018-02-16
Company: WESTERN OHIO MORTGAGE
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2017, Western Ohio Mortgage XXXX ( " XXXX '' ) denied my new construction/mortgage loan application as evidenced by sending me a Notice of Withdrawn application stating, " File incomplete '' as a pretense for discrimination. In fact, XXXX previously had received all required and necessary documents to process said loan within 45 days or less. On information and belief, I believe that I was treated differently based on my race, color, sex, marital status, age, and other forbidden factors when I applied for a new construction mortgage loan with XXXX. For example, XXXX refused to consider my reliable income from full-time employments as both an XXXX XXXX and XXXX   XXXX XXXX. XXXX rejected my new construction mortgage loan application because of my race, color, sex, marital status, age, and other forbidden factors. XXXX also imposed different terms or conditions on the new construction mortgage loan application as evidenced by accusing me of being a XXXX XXXX based on my race, color, sex, marital status, age, and other forbidden factors because I made a cash land purchase for {$40000.00}. XXXX required a co-signer after I had received the pre-approved letter and met all its requirements. XXXX rejected my new construction mortgage loan application after 45 days of submission of my completed loan application and caused a {$3000.00} increase in building price after XX/XX/2017. XXXX failed to tell me the specific reason it rejected my loan. XXXX caused me to pay {$450.00} for the property appraisal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation