BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
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: Old information reappears or never goes away

Complaint:
It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX XXXX XXXX  Transunion Accordingly.

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 2020-11-23
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had put an email in XXXX about " sharing my apartment rent '' [ XXXX  add # XXXX ]. I got an email from " XXXX XXXX ( XXXX ) saying he would like to rent the room for his daughter named " XXXX XXXX '' she was supposed to travel from XXXX to XXXX. So I believed him and we both agreed for this lease and he sent me check # XXXX with XXXX $ and another check # XXXX with XXXX $ amount both of which I deposited to my Bofa via Mobile deposit on XX/XX/2019. XXXX said, first check with XXXX has an issue and he sent me another with XXXX XXXX Both the check amount was kept on hold ( though initially it showed as deposited ) later I saw it on hold. As per our ( Mine & XXXX XXXX ) agrrement, I was supposed to deduct the rent amount and send him total of XXXX hence he asked me to send payment to two different parties so XXXX $ I sent it via XXXX on XX/XX/2019 to " $ XXXX '' and XXXX $ via Cash app to " $ XXXX  '' ( This is done from my XXXX XXXX  account ). When I am trying to email him to his email id XXXX or call his cell XXXX XXXX, both are going on vain. I have been scammed and I request someone to please investigate and return my money XXXX back. Note : I have raised complaint on both XXXX XXXX  and Bank of america bank ( ref Complaint # XXXX XXXX to investigate on my case but they are not giving me any assurance in getting the money back. Please help me. I have all the email & message conversations I had with that person along with the check he sent too. Please help me in this regard and I would like such scammers to be punished for their work.

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 2019-11-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Okay, this is related to my previous complaint # XXXX. That issue was resolved favorably. However before I could even see a bill, they reported my account to the credit bureaus. I never signed up for paperless billing and never saw a bill. When they finally called me about the bill, I paid immediately including all fees and interest. They reported me to the bureaus on XXXX XXXX. They called XX/XX/XXXX and I paid over the phone. They put a report in on XX/XX/XXXX that my account was in good standing. Does not matter because my score went from the XXXX to XXXX and still is at XXXX. How dare they abuse the credit reporting system especially after illegally signing me up for paperless billing. Credit reports have huge implications for jobs, rentals, and all loans. I did not even get a paper bill till after they reported me, they gave me no chance to pay. How could they not think that paperless billing can get lost in spam or even not delivered. I want all negative reports from comenity deleted. Please help me fix this otherwise I will have to take them to court even if it is just small claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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 name is XXXX XXXX XXXX and I have been a victim of identity theft since 2012. I took it upon myself to turn in all documents related to my identity theft to send to the three major credit bureaus to prove a solid case against items continually showing on my credit reports. This process goes as far back as XX/XX/XXXX. Since then Equifax has completely mixed my file with other individuals resulting in over 36 negative accounts being added to my report and causing a very depressing drop in my credit. Each week Equifax would report a new item being removed but it would still remain, this makes my score down even more. I've sent documents certified mail, I've called and Emailed and now, reports that have been removed just keep reporting. Something needs to be done immediately as this is sending me to suicidal thoughts. If an item has been removed and proof was giving, how can they keep reporting inaccurate information? That is illegal and I am ready to file a complaint and sue. I have been XXXX due to not being approved for housing because of negative items that have been proven aren't mine but continue to be reported. I am not at all ok. XXXX  and XXXX  are doing the same exact thing. Removing accounts and stating they are blocked but reporting them every month even when it's proof they have been removed but put back on. This is illegal and I want to sue them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just don't recall any debt from CHECKINTOCASH, I just notice a collection account on my credit report and I doubt is mine, I called to the agency to pay the bill just because I don't want to have that derogatory information on my personal credit report, I asked the collector that I just don't want to waist their time with long investigations and disputes, I was in the position to pay the bill if they can delete the collection account from my credit report but the collectors don't provide me a clear YES or No, they just said I can pay if and " SEE WHAT HAPPENS LATER ''. So I requested a validation of debt and must important where and when this loan was approved since I feel is not mine or is identity theft, The collection agency claimed they are collecting on behalf another collection company so THEY DON'T HAVE THE FILES AVAILABLE but they will request it and send a validation of debt to my mailing address. I haven't received any letter from them and I disputed this collection account with the credit bureaus but they claim is a legitimate debt but they just don't proof it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 3 listed unauthorized and fraudulent hard inquiries on my Experian credit report and also a fraudulent account from XXXX XXXX that has been disputed for years and also XXXX XXXX.This account was deleted and reappeared recently back on my credit file.I will be filing a legal discrimination lawsuit against Experian. As all the other two credit bureaus have deleted the unauthorized account from my file. Due to covid- 19 I have been unable to pursue this matter and now back to disputing this and having this account from XXXX XXXX deleted permanently from my file. As Experian and all the the other credit bureaus have and had on their files, that I have been a victim of fraud since 2012. My information has been exposed on the Dark Web, on other unknown sites, my identity was compromised, sociopath security number, phone number, past addresses, employer information, banking information and also my name was used to obtain goods spelled in different ways. I am requesting for the account and hard inquiries stated above to be deleted from my credit file. When my file was lock with Experian a unknown individual still was able to obtain an account in my name without my authorization via website. This issue needs to be resolved quickly as Ive been waiting for years. This has caused my credit score to deteriorate and also stop me from doing business with other merchants and bankers.Experian receives documents and denies each one of them every time. This is the only bureau that does this. See Attached below are more documents. 

Hard Inquiries : SM Bus Admin ODA- XXXX, XXXX- XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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:
I am requesting for Equifax to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to XXXX XXXX XXXX in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because Equifax refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by Equifax. Please block and remove these fraudulent accounts within four days : 1.XXXX XXXX / XXXX XXXX XXXX XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX XXXX XXXX Balance : {$3400.00} 3. XXXX XXXX XXXX XXXX Balance : {$1400.00} 4.  XXXX XXXX XXXX XXXX Balance : {$8600.00} 5.  XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE FAILED TO CEASE AND DESIST COLLECTIONS AND KEEP CALLING MY MOM AND DADS CELL 13 TIMES. XXXX IS PAYING GAS BILL SEE ATTACEHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: MI
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AMERICAN EXPRESS COMPANY
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:
The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. American Express Account # XXXX Balance :  {$3600.00} 2. American Express Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.XXXX XXXX   XXXX Account # XXXX Balance : {$8600.00} 6.XXXX XXXX XXXX Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXXN Account # XXXX Balance : {$28000.00} 8.XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, XXXX, Transunion are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, XXXX  or Transunion correct the information on my credit 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 2017-08-11
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBA reported multiple derogratory remarks on all three credit bureaus reports about a debt with XXXX XXXX XXXX At the time of service, I had active medical coverage through my job. I should have never been charged for services while having adequate medical coverage that covered all procedures done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The agent from Chase purposedly providing falsified information, misleading the customer and engaging in unethical business behavior. Per our phone conversation on XX/XX/2021, the agent informed me the interest rate and XXXX are the same or 2.0 %. This is very rare and I double checked with him. He confirmed more than once over the phone that the XXXX is 2.0 %. The Closing Disclosure shows the XXXX is 2.192 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, HSBC Bank USA, NA closed a savings account I have had with them for over 10 years. I did not receive any advance warning stating my account would be closed due to inactivity. Rather than send me the funds from the savings account, they have listed them as abandoned. I regularly sent back account verification forms that I received from HSBC. The Texas Comptroller has also investigated and stated that they do not have my funds. I would like HSBC to send the funds from my savings account to me. They are not abandoned, and they made no attempt to verify whether this was true or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: ONEMAIN FINANCE CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was stolen in the XXXX  data breach. Information and documents used to open a fraudulent account. I have included Ed the FTC complaint and various police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: IL
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:
I requested my credit file on XXXX XXXX, 2017 and found several mistakes. Some of which I was unable to dispute online because there is no option. 1. My employment information had n't been updated in 3 years. 2. None of my previous employment was listed except for 1 item. It shows that I only had 1 job. 3. My current and prevous address are mismatched. There is no way to request a dispute for that to correct it. 4. Items that are paid as agreed with no past due or {$0.00} balance are listed as negative and not paid as agreed. Again another item for which there is n't a good way to dispute.

Company response to consumer: Closed with explanation