BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The organization XXXX XXXX XXXX XXXX XXXX ( XXXX ) claims I owe them {$250.00}. I have never had any previous credit or debt with XXXX. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency Transworld Systems. As of XXXX XXXX, 2017 a letter states that I owed {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized Inquires on my and XXXX credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2XXXX

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 2019-07-10
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called Citi Easy deals to ask where almost XXXX points went that I use to be able to get auction items like gift cards. They told me they kept them for two years and after that dropped everyone down to a tier system based on spending and we were not using that card and got dropped down to the worst category and lost all of our points. This is not acceptable we earned those points. We called today to ask them to meet us in the middle and work through this and they said there is nothing they can or would do

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 monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
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: Personal information incorrect

Complaint:
Hello My name is XXXX XXXX XXXX. I have called the all XXXX credit bureaus and literally spoke to someone directly to correct my addresses and names and current address. 

To my surprise It's as if I never all them at all? It seems as if my information got worse When I tryed to get a loan I was denied many attempts and nothing only to find out the credit bureaus did not update my names or addresses. It seemed as if it got worse This is totally intolerable - I have to call my attorney to see what he can do? 

Also, note 3 years with XXXX different companies to clean my credit and reputation Please help in this serious matter I have nothing but denial letters with high interest rates and does not make any sense! 
My credit was at XXXX and dropped by XXXX and completely deny my credit was higher and can not understand how it dropped when my XXXX is low 18 %

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 2021-02-16
Company: Experian Information Solutions Inc.
State: NJ
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 sent out information regarding inaccurate items listed on my report to follow up a complaint that was made about 30 days ago and to my knowledge hadnt been addressed, this wasted time that the company is stalling and is hurting my life as well as destroying my credibility for credit i want these negative items removed from my credit report. Below are the letters I sent explaining that the accounts listed did not come from me as well as the documents that was removed that did not pertain to me on 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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have contact XXXXXXXX XXXX, XXXX and Transunion concerning incorrect payment history reporting by XXXXXXXX XXXX  to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from XXXXXXXX XXXX  or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of XXXXXXXX XXXX and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.

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 2023-05-19
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXX/XX/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 2022-11-25
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:
Its affecting my credit score

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 2021-07-01
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2021-10-27
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called to cancel flight morning of Sat XX/XX/XXXX -- case XXXX # XXXX -- she clearly said I would receive a credit voucher for the flight to be used a year from original booking date. With that, I altered my plans. 

Monday the XXXX, I receive email that no, nevermind, you don't get anything. 
I called that day or shortly there after to XXXX XXXX # XXXX and she said I was given bad information on XX/XX/XXXX. 

a ) if I knew I wouldn't receive anything after cancellation, I may have kept the flight b ) your website as of writing this XXXX XXXX  Central XX/XX/27 still says I have credit to use, so you are providing conflicting information. even your chat leads me to believe I have a credit. 
c ) you are getting away with no accountability to your mistake. how was I to know you could reject what she told me days later? 

all I ask is to be given correct information or made right if there is a mistake. and an accurate website. 
thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Pacific Credit Servies ( PCSCOLLECTIONS ) they did not provide with orignal contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank refuses to accept refunds from my vendor on a closed credit card.

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 2018-05-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
By Federal law my vendor must refund to my credit card however Citibank put the refund on the credit card that they closed.

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 2020-10-28
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: AL
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:
Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: SC
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 recently checked my credit report and it stated that on XX/XX/2022 a hard inquiry was reported on my XXXX AND EXPERIAN Credit report from XXXX XXXX. I DO NOT have an account on my credit report nor did I apply for an account with this company. I called XXXX in an attempt to get the inquiry removed immediately due to it being fraudulent. XXXX refused to remove the inquiry which is now hurting my credit report and credit reputation. THIS INQUIRY 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 2019-03-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bayview Loan is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX  and XXXX  and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXXn and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. XXXX and XXXX  are reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX XXXX is reporting XXXXand XXXX is reporting it as XX/XX/XXXX. ALso XXXX and XXXX  are reporting it as 120 days late but XXXX is reporting payment status unknown. There are so many obvious FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
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 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX has a total of 7 different collects reporting to my credit file. I have no knowledge of this account. I havent had any sort of medical treatment since XXXX I have disputed these collections on numerous occasions and havent gotten any results. These charges have adversely caused me hardships, as Im unable to utilize my credit and provide for my family adequately.

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 2023-08-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Wells Fargo card was used fraudulently in XX/XX/2022 to make purchases at a XXXX XXXX and a store named XXXX. Wells Fargo continues to tell me the charges are valid, On or around XX/XX/XXXX I was contacted by a 'XXXX ' from Wells Fargo Executive Offices and we had a conference with the Wells Fargo Fraud Investigation Team . During this conference I was told by Wells Fargo that it 'appears ' that I made the charges- I not anyone known to me made the charges abd yet Wells Fargo is forcusing me to pay for something I don't have. 'Appears ' is not sufficient proof that I made the charges it is conjecture, speculation. The onus is on Wells Fargo to prove I made the charges, it is not up to me to prove I did not. A police report was filed, an FTC Identity Theft report was filed. I nor anyone known to me made these charges. During the conference call in XXXX, the Fraud Investigation Team was asked by XXXX to provide additonal proof that I made the charges. I was told I would hear back within 10 days. I have not. I've tried to call XXXX on numerous occasions but he never answers nor does he ever return my phone calls after I leave a voice mail XXXX can be contacted at XXXX All Wells Fargo keeps doing to me is harassment. They state I have not provided additional evidence. It is not up to me to prove the alleged appearance that I did not make the charges. The onus is on Wells Fargo to prove beyond a reasonable doubt that I made the chrages they have not. I want the credit card closed after a credit is issued for the fraudulent charges. They keep telling me they will provide real evidence ( beyond appearance ) that I made the charge. This is unethical and is elder abue XXXX discrimination to make a XXXX XXXX  with a serious XXXX pay for something they never purchased and don't have the benefit of owning.

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 monetary relief
Consumer complaint received 2021-07-01
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical Debt provided on my credit report is accruing interest, provided by Capital Accounts XXXX is a collection/chargeoff that was reported XX/XX/XXXX. In XX/XX/XXXX the reported balance was {$650.00} and now XX/XX/XXXX the balance is {$720.00} in XX/XX/XXXX. No original contract has been provided to me proving that this debt is mine and stating that this collection can add interest or fees if it is mine. I asked for debt verification multiple times and never received how they verified the debt is mine at all or a contract with my signature proving I owe this debt. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Foreman Financial 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: Account status incorrect

Complaint:
XXXX XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt with XXXX XXXX that I do not owe. I have consulted with my Attorney General for the state of California and the statue to enforce and collect on this debt is past the statute of limitations. NO tonly is this account pas the statue but it is also past the credit reporting limit under the FCRA guidelines. I do not owe this debt, you may not collect on this debt and it must be removed off my credit report. Please be advised that reporting false information on my credit report could constitute fraud under both federal and state laws. If you continue to report erroneous debt on my credit file, I will not hesitate to bring legal action against you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation