BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: Seattle Service Bureau, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was involved in a car accident on XXXX in a private parking lot where the other driver collided with my truck, under our states statutes he would be deemed at fault as the damage appeared at first to be minor to my truck I was willing to drop the matter, he contacted the police to file a report I gathered contact info from the witnesses that were present at this time. When the officer arrived he stated as it was a private parking lot we were both responsible for our own damages. A year and a half later I went to renew my insurance at which time they notified me I was suspended for this car accident. I reached out to the other drivers insurance company and sent them copies of the amended police report with witness statements. At which time XXXX XXXX refused to change the position of liability, the state XXXX stated that I needed to contact National Service Bureau the debit collector hired by XXXX XXXX. After contacting NSB I explained under our states laws I was not responsible for their damages they were actually responsible for mine Based on witness statements and my statement of what happened. One witness included a diagram of what happened and the other driver hitting my truck that was at a stop. With all of this National Service Bureau has taken action against my Drivers licence with out a Judgement or a valid claim that this money is owed. I can not get my license reinstated without payment to National Service Bureau, It comes down to me being held in a position of extortion to pay an unjustified debit in order to have my rights and my life back when I have no fault in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: AZ
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 spent well over a year disputing multiple inaccuracies on my personal credit report with all 3 of the major credit bureaus to include XXXX, Equifax, and XXXX. 

I have spent large amounts of money during this time to send my dispute requests via US Certified mail because every other manner in which I have attempted to dispute would end up with constant mail tagging back and fourth or the credit bureaus stating that they never received my requests. 

To Date : There is now not only ( 1 ) but now ( 2 ) Wisconsin addresses that is displaying on my personal credit report in which I have NEVER resided or even stepped foot into the State of Wisconsin, I have made this very clear to all ( 3 ) major Bureaus by providing my valid State Issued Drivers License with each one of my dispute letters. 

There are Dated/Old Student Loan accounts that have been Paid/Closed that are appearing on my personal credit report multiple times, listed individually which is impacting my overall credit score. These loans have been consolidated with one agency and the other agencies have been paid in full. 

There are multiple items reported on my credit report as Negative that do no belong to me, and I have advised all ( 3 ) credit bureaus that my personal information was compromised through a previous employer who experienced a data breach, and also Equifax who has also experienced a data breach. These data breaches are impacting my personal credit report in a negative manner. 

Each time I initiate a dispute with the ( 3 ), major credit bureaus, it result with no changes being made to my personal credit report and no information is being provided as to how they came to this conclusion as if though they are not even taking the initiative to properly investigate my dispute claim. 

I do not work for either of the ( 3 ) major credit bureaus and I feel that if they are going to report inaccuracies on my personal credit profile, then they should at least take the time required to verify the information that they are listing on my personal credit profile using their own resources and tools, since they are apparently being PAID to list these inaccuracies on my personal credit profile. 

I am at the point where my hands are tied and I am now at the mercy of your agency to get some assistance and accurate results regarding my multiple attempts to get these issues resolved with all ( 3 ) major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hello, please update this account. I did not occur in any late payments

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 2020-07-13
Company: Experian Information Solutions Inc.
State: WA
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 is the former mortgage servicing company that has reorted a number of monthly payments as 30 days late. XXXX is now bankrupt & closed, has refused to supply any information to CFPB, rather defers to XXXX  XXXX who then refers back to XXXX so I have serious doubts that Experian has made any attempt to update old information. I have supplied bank information showing payments cleared my account on a timely basis ; they have even reported a late payment AFTER XXXX accepted payments on the account. This alone is grounds to have the XXXX account completely removed from my report as has 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 2021-09-27
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving calls and messages about a debt that I do not believe is accurate. I have asked numerous times for proof that the debt is mine or any history regarding the debt. 

I have been met with threats to sue. 

I have called them and spoke about this asking for information regarding the debt and was bullied into just " making a payment now to avoid going to court. '' I just want to make sure that I am not being scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED

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 2021-11-03
Company: Pioneer Capital Solutions 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have filed a dispute with Trans Union twice about an account being reported that is inaccurate. 
The line item / account name is : 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 The other reporting agencies have removed this fraudulent item. 
It never appeared on XXXX XXXX has deleted the item XXXX XXXX XXXX XXXX has confirmed I was a victim of identity theft/ fraud, and not responsible for the charges. 
TransUnion is the only company dragging their feet on the issue. 
This is not my account I am not responsible for this account It needs to be deleted from my 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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As I ran my credit report today, I found some unauthorized inquiries on my credit report. I haven't been in search for or applied for a new job. Can we please get these off of my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATION/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX ), XXXX   XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX   XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XX : XXXX : 5X XXXX : XXXX ), XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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:
I wanted the credit bureaus to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to so. I have attached the letter that I sent them.

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 2020-07-13
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-10-11
Company: EQUIFAX, INC.
State: MS
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Complaint number : XXXX, filed XXXX XXXX with the CFPB against this Collection company called XXXX. The company has ignored my complaint and is continuing to demand payments, calling both my XXXX & now my personal XXXX phone. And, how they got my access to my personal XXXX number remains a mystery because I did not list or add my XXXX or my XXXX to any information provided to the CFPB for sharing. I continue to received payment demand letters via XXXX. XXXX XXXX from this company, during and after I filed a claim and I received XXXX telephone calls today XX/XX/2018 from a XXXX calling XXXX XXXX XXXX. Caller ID tread XXXX. XXXX was intrusive, demanding, and I found XXXX tone hostile and negative. XXXX insisted on having me answer XXXX QUESTIONS. I asked XXXX a few confusing questions, ending with my reporting XXXX to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2021-11-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
After shopping for a miniature dachshund online at XXXX I emailed the seller regarding a specific dachshund for purchase in the amount of {$500.00}. At this point, the correspondence was email and/or texting. After the seller supposedly dropped off the puppy for a vet clearance, a pet carrier had possession of the puppy for transport via a coupon provided by the seller for a flight. The pet carrier then contacted me for {$800.00} for pet insurance. Unfortunately, at this point, I realized this was a scam. I contacted the seller, XXXX XXXX with XXXX XXXX and he said that 98 % would be refunded to me of this insurance. I declined payment of this {$800.00}. He also said he couldn't return my {$500.00} because he didn't have it. I immediately contacted Wells Fargo Bank as the wire transfer was made through them and XXXX. I filed a complaint with them but they declined the claim as they stated I authorized the transfer. XXXX stated that I needed to go through my bank for assistance. Neither was helpful. Wells Fargo should have been able to reverse the wire transfer with XXXX knowing that this was fraud. They didn't. I also filed an Internet Crime Complaint and a complaint with the FTC.

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