BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
It has been years now since I've furnished the proof get to XXXX XXXX XXXX via XXXX XXXX to be untrue because I was completely insured at that time by XXXX XXXX XXXX XXXX XXXX  insurance and that the bill should have gone to that insurance. I furnish proof to the credit bureaus to the consumer protection financial bureau and submitted a prior FTC report regarding the matter yet still it continues to be reported because XXXX XXXX  simply changes the amount and re-enters it as a debt. This is a form of extortion and should not be allowed in our country.

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 2017-10-29
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: Personal information incorrect

Complaint:
After several attempts of trying to dispute the following online that became unsuccessful. There are several inaccurate addresses currently reporting on my credit report that needs to be removed in which I am requesting that my credit report is reporting only accurate information and it is currently not reporting accurately. There are names and addresss and date of birth and employers that is all reporting inaccurately.

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 2021-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Date of Birth : XXXX  Wrong Addresses : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CITIBANK, N.A.
State: CA
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 have Citi XXXX Credit Card for more than 10  years. It is one of my starter credit card. However, Citi closed my XXXX Credit Card without notifying me via email nor phone call. Citi claimed there was a mail sent last XXXX but I have never really gotten one. The main request is that I still have lots XXXX points with this credit card and Citi refused to give my points to me after closing my credit card. My card number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
they take small amounts towards the loan and a huge amount for their interest which makes it hard and a long time to pay off the loan they are reporting me owing much more then I borrowed on my credit which is hurting my credit I have tried to talk to them to take more towards the loan and less in interest with no success I feel this is unfair lending and a trap for XXXX to get consumers locked in a long term loan ... PLEASE HELP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
On XXXX XXXX, XXXX I sent Wells Fargo Dealer Services a letter requesting validation of a trade line that is appearing on my credit ... The trade line has yet to been verified as well as it is reporting incorrect information ... On XXXX there is no responsibility listed, No date of last payment, No estimated removal date, Missing account history, date payment received and scheduled payment ... There is also no actual amount paid listed nor the first date of delinquent payment ... Lastly it has yet to be put in dispute which is direct violation of the FCRA stating that all debt must be validated within 30 days or it has to be removed .... On XXXX it 's Missing the original creditor, the balance is missing, missing monthly payment, missing past due amount, as well as the high balance is missing..

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 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Act XXXX Account has # XXXX has violated rights. 

15 U.S.C. 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 a account without my written consent.

Also in violation under 15 U.S. Code 1681i ( 5 ) Removal of Credit Information and 15 U.S. Code 1681e ( b ) Compliance of possible accuracy. 

DEPT OF EDUCATIONXXXX Account : 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 2017-10-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told that I owe this debt XXXX and I never lived in XXXX someone have been using my social security number to open credit cards and now apt and these people only stay at the apt for 3mts than left I never ever would do that I always stay the hold year! 
I hate moving and packing and get a truck so this was not me! and the collection company IQ keep calling me and talking to me like I 'm a criminal and it is a bad feeling they do n't believe me when I tell them it was not me! I told them to stop calling me they wo n't and I ask to speak to the manger and the man put me on hold for 30 minutes than it went to voice mall so I 'm at a loss and this is on my credit report and ca n't get it off Can you Please ... ... ... ... XXXX Help me and my family Thank You ... ... ... ... ..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: SC
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:
Equifax refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my Equifax report so the information had to be verified through Equifax as well as the company. Not only that, I called to have the security freeze removed for thirty days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, Equifax had my address for the last twenty years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX  accounts were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: LEXISNEXIS
State: OH
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 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : 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 XXXXXXXX  # XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was XXXX .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and IC System Inc. the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-11-08
Company: AMERICAN EXPRESS 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: Account status incorrect

Complaint:
The company inaccurately reported the account as being thirty days late on payment to XXXX, which reduced my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2017 I sent a certified letter to Experian asking them to investigate and verify the following two accounts ( XXXX XXXX and XXXX XXXX ) on my credit report. 

Experian sent letters back saying they were verified. I sent another certified letter on XX/XX/2017 for XXXX XXXX and XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. I received another letter stating the same thing for XXXX XXXX and XXXX XXXX as verified. 

This is a violation of the Fair Credit Reporting 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 2017-10-29
Company: Experian Information Solutions Inc.
State: NM
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:
Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
For XXXX to Present, I have disputed XXXX XXXX XXXX Account and have asked for the removal from my file with all the Credit Reporting Agencies. I sent TransUnion Identity Theft Letters dated XX/XX/XXXX, and a repeat letter dated XX/XX/XXXX, along with the Identity Theft Police Report requesting the removal of XXXX  account from my Credit Report. 

I received a response from TransUnion dated XX/XX/XXXX stating XXXX # XXXX was DELETED from my credit report. I received a new Credit Report dated XX/XX/XXXX XXXX account still showed. 

XX/XX/XXXX, I received a response from XXXX XXXX XXXX giving notification XX/XX/XXXX, my name XXXX XXXX was removed from the XXXX  files as a joint account holder, and on the same day a request was sent to the Credit Reporting Agencies to have the account ending in XXXX DELETED from my Credit Report, please allow 30 days. 

I submit another request for my Credit Report again dated XX/XX/XXXX XXXX account still shows. I have sent the same information to XXXX and XXXX and they have removed XXXX from my account EXCEPT for TransUnion Credit Report Agency. 

I have sent another Letter to TransUnion XX/XX/XXXX requesting the removal of XXXX  account off my Credit Report Again. As of todays date XX/XX/XXXX I have not received a response 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 2017-10-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Date : XXXX/XXXX/XXXX Amounts : {$490.00} I made a transaction through money-gram to send money to my friend as donation, the receiver said that she already reached her goal and they do n't need the money so I called money-gram to cancel immediately after 12 minutes minutes from sending the transaction. The agent assure me it is cancelled and I should receive a refund. On the next day, I cheeked the status of transaction and I was surprised that they actually send the money. I called and I filed complain but without any success. I lost trust in the company so I went through my bank and I filled dispute of the transaction because I did n't authorized them to complete the transaction. Moneygram now send it to collection without even telling me that I have to pay them. 
I have attached the time frame of my call to the company Note : the time of transaction is on transaction detail ( XXXX pm )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
State: CO
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:
Chase continues to report delinquencies for Chase account XXXX throughXX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Auto is reporting erroneously on my credit file. I recently took a look at my credit and noticed that this loan is reporting as a charged off debt. I was never aware that this account had been charged off as I have been making my monthly payments and continue to make monthly payments. I was never called or notified or even receive statements that my account had been charged off. I ask that they please remove the charge off status, this is a good open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX and XX/XX/XXXX 2 account were placed on my credit report in the amounts of {$480.00} and {$160.00} and I was unaware of the debt owed and did not authorize the release of information for any prior or current providers and have requested documentation with signatures allowing the release of any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau, I intend to keep a log of any correspondence from your agency made after receipt of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: N.A.R., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to dispute the enclosed collection notice from XXXX XXXX, XXXX ( XXXX  XXXX XXXX XXXX in the amount of {$3600.00}. 

I was given XXXX XXXX XXXX phone number and called them on XXXX XXXX XXXX to get a quote on a boat rental, waterski equipment, life jackets, etc. for a one day adventure on XXXX XXXX, XXXX. I spoke to XXXX who quoted me by email {$2600.00} not {$3600.00} for everything. He asked for my credit card to hold my reservation. I told him I needed to check with the XXXX other families to confirm since it was very expensive. He said he would hold it and not charge it and he would wait to hear back from me. 

I called XXXX back XXXX minutes later to tell him we would not be renting the boat and equipment because our group thought it was too expensive. At that point, I received an immediate email saying the money is due and my credit card would be charged. He went on to say that I couldnt cancel and the website should have made that clear. I was never pointed to a website to read the fine-print they claimed would be non-refundable. Regardless, I never signed a contract and I never received services for anything. I could understand this more if I had cancelled the day before but this was 10 days prior and I cancelled my reservation XXXX minutes after he said he was just going to place a hold on it. 

This was very frustrating to say the least. I have never had anything like this happen to me. I have a XXXX credit score. I was merely blindsided by this company and probably should have been more careful in hindsight giving out my credit card info. I dont believe I should be held responsible for this debt due.

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