BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attached is my id, please remove any and all names and addresses on my credit files inwhich do not match my attached id

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attached is my id, please remove any and all names and addresses on my credit files inwhich do not match my attached id

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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 writing you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with a similar name to mine filed bankruptcy in the Federal District of North Carolina, and it appeared on my credit report. Through our dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureaus any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately or I will start charging XXXX XXXX dollars a month for pain and suffering.

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 2021-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, XXXX XXXX from XXXX XXXX XXXX XXXX sent me a link to an invoice ( see email correspondence attached ). The link she sent was the wrong invoice, and was in fact a link to an unpaid invoice for a different customer. Not seeing the error, I paid the invoice on XX/XX/XXXX using the link she provided. 

I immediately contacted her via email and let her know about the error ( see email correspondence ). 

I immediately contacted Citizens Bank via phone and let them know about the error. Citizens bank told me via phone that there was nothing I could do until the payment cleared, then I could dispute the charge. I waiting until the payment cleared, then immediately contacted Citizens Bank and filed a dispute for the charge. Citizens Bank did not provide me a claim number.

After not hearing anything from Citizens Bank or XXXX for a couple weeks, I contacted Citizens Bank to check on the status of my claim. I was told that they could not find any record of my claim, but I could enter a new claim now, which I did. The claim number for this second claim is XXXX. 

Today ( XX/XX/XXXX ) I received a letter from Citizens Bank telling me my claim was denied because I waited too long to dispute the charge, even though I first contacted Citizens Bank before the charge even cleared, and again immediately after the charge cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fraud alerts. personal statements and remarks from my credit files 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 2018-01-27
Company: EQUIFAX, INC.
State: NC
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 writing you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with a similar name to mine filed bankruptcy in the Federal District of North Carolina, and it appeared on my credit report. Through our dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureaus any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately or I will start charging XXXX XXXX dollars a month for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
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: Their investigation did not fix an error on your report

Complaint:
I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with a receipt of payment that this debt has been paid in full and they are still reporting it as a charge off. I have sent them a copy and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed 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 non-monetary relief
Consumer complaint received 2020-04-29
Company: National Credit Adjusters, LLC
State: TX
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:
In XXXX of 2020 after checking my credit I found fraudulent collection charges from National Credit Adjusters on my credit report. I contacted the company and also filed a ftc complaint and sent letters to the collection agency and credit bureaus with proof that this is not my debt and an identity theft issue however, on XX/XX/2020 ; I received notification that National Credit Adjusters placed the collection on my XXXX   report although I have submitted proof that debt is not mine and put fraud alerts on my credit. The debt was even removed from the other credit bureaus because it is not my debt. I am requesting that this debt not belonging to me be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my debit card at a chain Auto Service Station, I paid for a service they said they could do but were unable to do. To avoid any further damage to my vehicle I took it to the actual dealer to fix the other merchants mistakes. 

I called Bank of America ( my bank at the time ) to explain what happened in great detail ( and probably 20 mins ) and asked if I have any recourse since I now just had to pay twice for the same service. The CSR explained that I could filed a debit card dispute since the merchant didn't provide the expected service etc. The dispute was filed. Within days Bank of America put the disputed amount back into my bank account. A few months later I was traveling out of the country, and see that my account is negative! Also, pending transactions were charged overdraft fees or declined etc. ( Thank XXXX I had some cash with me ). I see that the disputed amount was reversed, so I called Bank of America and they told me my claim was denied because I had in fact made the purchase?? What?! I know, that was never part of the dispute. I believe the way the CSR entered the dispute was incorrect causing me to lose the dispute. I asked to appeal the decision. They told me that I should get an expert opinion regarding the work done. Perfect, so I went to the dealer ( who actually makes this vehicle ) they wrote a statement on company letterhead on my behalf. Appeal denied. Meanwhile over the course of this lengthy process, and Bank of America reversed the disputed amount causing my account to go negative, I explained that i will NOT deposit anymore money with them until this is resolved, to which they responded by closing my account that I had for about 15 years! Recently I went to open an account at another bank and was denied an account, and I learned it was because Bank of America put me in XXXX siting " ACCOUNT ABUSE '' as the reason?! That is lie! I did nothing wrong. Bank of America was supposed to protect me from fraudulent merchants, or not mislead me into thinking they were going to dispute a charge then change their mind. They let a merchant scam me and then the bank abused me. 

I have been denied credit and the ability to open checking accounts because of the information Bank of America has inaccurately posted with 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 2017-10-05
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company called XXXX XXXX XXXX contacted me about nonexistent debt and wanted me to provide my social security number and other personal information. They told me that my debt was for a doctors appointment on XXXX/XXXX/XXXX. I called my doctor and they said I had no debt and nothing was ever sent to collections. The phone number for XXXX XXXX XXXXC 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 2021-10-26
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 110 days or more since my last request without any response. These items should be promptly deleted from my credit report. This is affecting my search for housing. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: ERC
State: NV
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. 

ENHANCED RECOVERY CO is inaccurately and erroneously reporting iun. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau 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 2019-05-16
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019, my XXXX XXXX XXXX was stolen from XXXX, VA, I.e., by XXXX XXXX. I reported that the car was stolen to the XXXX, Virginia Police Department, Case # XXXX, At XXXX on XX/XX/2019, I reported to my Car insurance, i.e., XXXX XXXX that my vehicle aforementioned was stolen. 

My insurance informed me that I would need to file a police report, which I did, on XX/XX/2019. XXXX XXXX made reservations for me to obtain a rental car on XX/XX/2019. I filed my police report with the XXXX, Virginia Police Department and they gave me Case No. XXXX. 

The aforementioned vehicle was found on XX/XX/2019  Burned Up. I have spoken to the XXXX XXXX Claim Adjuster : XXXX XXXX several times if the vehicle is repairable. Ive asked the XXXX XXXX adjuster : XXXX XXXX, from time vehicle was stolen to date, is the vehicle repairable and if not what is the next process. Ive asked the Adjuster have they informed BMW North America Financial Services, who I financed the car through. Which the adjuster said, we have not notified BMW, that we will not notify BMW until we make a decision  if vehicle is repairable or totaled, which she propagated to me in a email. 

Today is XX/XX/2019 and I have still not been updated with any information. My insurance premium, I.e., is automatically taken from my bank account with XXXX XXXX. Im paying for a service, which has yet to have been rendered and fulfilled. Can someone please step in and enforce my consumers rights. I have all the emails from the XXXX XXXXl Adjuster stating they have not notified BMW North America Financial Services of the status of the Vehicle. Which BMW customer representative informed me a department has been notified. One or  both entities are lying. 

I called BMW North America Financial Services on  XX/XX/2019 to inform them of this situation. A customer service representative informed me that a Certain department has been notified of this situation, and she left me on hold for an hour. 
Every time I call BMW North America Financial Services they leave me on Hold for a substantial Long Duration, where Im left on the phone for unwaitable time. Can someone from the CFPB please help me with dealing with XXXX XXXX and BMW North America Financial Services. 

Thank You V/r XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.

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 2021-11-11
Company: Radius Global Solutions LLC
State: MN
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 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. 

RADIUS GLOBAL SOLUTION XXXX Balance {$420.00}

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 explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
No5 my accounts on recent credit report. Was hacked a year or more ago and they were in my bank account and any online account, Ihad at the time

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 2021-11-11
Company: Consolidated Information Services Solutions, LLC
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:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Universal Credit Servi XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Waypoint Resource Group, LLC
State: MN
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. 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. 

WAYPOINT RESOURCE GROU XXXX Balance {$430.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
About XXXX/XXXX/XXXX I placed a " Security Freeze '' on my credit file with Equifax after finding out that I was one of the 125M people whose personal information was breached. Today ( XXXX/XXXX/XXXX XXXX, I used the Equifax email link to complete enrollment for " TrustedID '' offered by Equifax. After starting the process through creating a password, I got bounced to a pop up giving a phone number to call. I spoke with someone at the call center ( hoping it was a legitimate call center asking for personal info ). The woman said I failed to complete the security question process and I explained that I got the call center pop up before getting to the security question and the pop up said my enrollment was incomplete. The woman had difficulty getting my info and because of call volume, she said, her computer was very slow. I tried the enrollment link, and it said I was enrolled and to go to an Equifax link. [ [ [ Screen info is shown below. ] ] ] But, again, another pop up said XXXX was unable to complete activation. After spending more time on the line with the call center, I said to forget her effort and I 'll file a complaint. 

This mess is truly unbelievable. Why am I having to spend my time registering, activating, giving more info to Equifax, calling XXXX, hoping that my credit, my bank accounts, my retirement is " safe '' and now filing a complaint? And, if for example, one of my accounts is drained by thieves, where will Equifax be? This is an industry long, long overdue for scrutiny and legislation to protect the consumer, not the company. Unbelievable! 



Product Already Activated Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. 

Please go to XXXX to log in to your product. 

TrustedID XXXX XXXX XXXX. Log in. Forgot your password? 

If you have any questions, please contact our call center at XXXX. 



Enrollment Error We are unable to activate you online. Please contact Customer Service at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Citi refuses to abide the laws under the Fair Credit Billing Act section 103 ( f ) of the Truth in Lending Act ( 15 U.S.C. 1602 ( f ). They have sent mailed responses assuming that I am responsible for debts that were a result of fraud. They have received police report numbers and fraud claim affidavits detailing the cards were not in possessions and my cards and house including personal property were overtaken during a period of time by criminals. 

Citi failed to honor the zero liability policy for fraud and assumed me for the responsibility which is false.

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