BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY XXXX REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX  XXXX  XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX XXXX XXXX ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER XXXX  " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. TRANSUNION IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX XXXX XXXX ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. XXXX  IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX  AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. XXXX  SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.

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 2021-11-06
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: AL
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 RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY XXXX  REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX  XXXX  XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX  XXXX  XXXX  ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER XXXX  " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX  XXXX  XXXX  ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. EXPERIAN IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX  AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. EXPERIAN SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.

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 2018-09-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity is compromised and I have been trying to have the listed accounts deleted and blocked from my credit report for months. I have attached the proof showing transactions that were not mine. These accounts are preventing from moving forward and need to have them deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

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 2017-10-30
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from XXXX different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.

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 2021-11-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I personally received an email for the Executive Office of Discover.

As I stated the Consumer Protective Agency is involved and your company must follow the protocols. This debt was charged off and closed. 

This company wants to go around the federal government to engage in harassment or abuse. They don't want their communications seen by the Federal Government. 

I do not want any contact with this company. 

My last payment to the account was in XXXX. They put three payments on in XXXX illegally in order to ruin my credit and to restart the debt clock. All of my payments were made by United States Postal Money Order. They can produce the payments " they claimed '' was made to the CFPB by scanned document. I only paid with United States Postal Money Order.

IF they can't produce this I am requesting the account be removed from my credit. The account has reached 6 years 4 months. Early Exclusion rule applies. This company has reported different dates to each creditor as to when the account was opened and when the last payment was made. XXXX XXXX stated Discover told them the account stays on until XXXX. The account is supposed to come of in XXXX. Early XXXX. Last payment XXXX of XXXX. It has been 6 years and 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit card account with a balance {$8800.00} of with TD bank was charged off in XX/XX/XXXX and was purchased by XXXX XXXX. On XX/XX/XXXX, I reached an agreement with XXXX XXXX to settle this account in full for {$3000.00} ... {$2000.00} initially and then XXXX payments of {$90.00} until satisfied. I made the final payment in XXXX of XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX confirming stating that " your account has been settled and your debt is now satisfied. '' XXXX  did their part by removing the collections entry from my credit report. TD Bank, however, continues to report this account with a past due balance of {$8800.00}. I have disputed this multiple times with XXXX  and TD Bank has always updated it with the correct info ... only to report it incorrectly again and again. This past month, I disputed it and they refuse to update it with the correct amount of XXXX. I have attempted to call them and they will not do anything other than forward my calls to XXXX XXXX, who while sympathetic, can't help me make TD stop fraudulently reporting my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: MD
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:
According to the FCRA 15USC 1681i ( 5 ) ( B ) ( i ) ( ii ) ( iii ) once information is deleted it shall not be reinserted. There are various accounts that was deleted that has reappeared on my credit file. These accounts needs to be removed and blocked immediately. This reinsertion is a violation of my rights. 
The accounts that need to be deleted XXXX XXXX-XXXX- {$60000.00} XXXX XXXX-XXXX- {$5000.00} XXXX XXXX-XXXX- {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE Acc # XXXX I received the attach letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX when I intend to dispute an error on my credit. According to the letter they stated that a company call XXXX XXXX  XXXX  sold me a Vacuum machine that is why they are collecting the debt that I own. Below is the reason. 
They came to my apartment and talk to me about the vacuum and ask me to give them my old one so that they can give me the discount of what they have. So, they took my information and they leave the equipment in my house and they said I should sign and they are checking my credit and come back to me and I said okay. 
They never took my old vacuum anymore so I was thinking they will come back but they never return to my house. 
And I dont have their number to call them. So I also leave the equipment in my garage and when I received your letter I beginning investigate the company and I found their number and I call them to explain the situation and they gave me address to where they are, I drove hour and half from my house to where they are and I gave them the equipment ( Vacuum ) So, I dont have the Vacuum in my side because I did not buy any Vacuum, I have return it. 
No one can force me to buy something I dont need it so I have sent it to them by my self So please I dont own anyone or XXXX XXXX  And I also dont own Monterey Collection because I did not buy or bought anything from no body Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
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:
XXXX COMPANY DID INQUIRE WITHOUT MY AUTHORIZATION. 
I DON'T RECOGNIZE THIS INQUIRE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX admitted to selling my information without my permission to Midland Credit Management. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX A ) XXXX Balance : {$460.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}

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 2021-11-06
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting in XX/XX/2021, I started disputing these unknown accounts with all Three ( 3 ) credit bureaus. I would receive notification that the accounts were " verified as accurate and updated '' These accounts do NOT belong to me. The original debt was with XXXX, and sold to Jefferson Capitol System. When I dispute, Jefferson Capitol sends me an offer to pay and delete. I sent a Method of Verification, and instead of sending me what I requested, they again sent me an offer to pay and delete. 

The XXXX XXXX account does NOT belong to me, and I have no knowledge of this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: JPMORGAN CHASE & CO.
State: IN
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:
The Credit Report shows that I was unable to get a loan or to finance a vehicle because of PROPORTION OF BALANCE TO CREDIT LIMITS & SERIOUS DELINQUENCY reported by CHASE BANK Based on available evidence ( credit report and account statement ), Chase Bank violated my rights to use my Chase Credit card ending with XXXX by rising the existing credit limit of {XXXX} which I accepted per Chase staff 's business advice to {XXXX} WITHOUT my request and without my agreement. 

Upon visiting the bank IN PERSON and consulting Chase staff to reduce the credit limit to {XXXX} which I previously agreed to, I was told to pay first what I owe, that is, what is in my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Equifax for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Equifax confirmed on twice that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the XXXX  Clerk stating that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by Equifax. Please see the signed/sealed letter from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
45 calls in less than a few weeks and now they are calling 2 or 3 times per day plus calling family and friends. 

Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation