BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account reporting from Conserve that is not a valid debt owed to XXXX XXXX University. 

I was forced to flee XXXX XXXX for my own safety. I've appealed the tuition fees that are in collections with Conserve. 

Conserve refuses to remove the false information from my report even if I pay them. XXXX XXXX will not allow me to work with them directly. 

Conserve is damaging my credit with a debt that is not owed and will not remove the negative information from credit reporting even though I told them I was willing to pay it and it was false. 

My debt has not been validated, I have not received any notification of money owed to XXXX XXXX or to Conserve. 

This must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently disputed this charge via credit bureau. this charge was covered by Medicaid and was signed for by my ex husband. Not me I am not responsible for this debt. Commonwealth financial fraudulently purchased this as a debt. It had already been paid for. The original debtor ( the hospital ) doesnt even show this debt. They do not even have any personal identifier such as social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX, XXXX  XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 2017-09-23
Company: EQUIFAX, INC.
State: NE
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:
My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/2020 I had to have XXXX to remove my XXXX. On or about XX/XX/2020 I had a payment to come due and could not pay it due to me being out of work from my XXXX. So I spoke to one of the ladys at One Main in XXXX, SC about my payment and what I needed to do about it and she told me that I could do a partial payment on the payment that was due as to which I did. Then on or about XX/XX/2020 I had a payment come due with the same company so, I spoke with them on this matter and they granted me a partial deferment payment on my account. Then in XXXX of XXXX I was still not able to work all that much due to the pain that I was going through and what money I did make I had to pay other bills to keep from going under. I did go back and see my doctor and they sent me to a XXXX were I found out that I have XXXX XXXX which is why I am still having problems. The XXXX that I seen that found the XXXX XXXX has put me on light duty work for an unspecified amount of time.Then on  XX/XX/2020 I received a phone call from my doctor telling me that I needed to go be tested for COVID-19 because one of the ladys in there office tested positive for it. Now I am out of work until I get the results back.So I have not been able to pay on my account for 2 months because of not being able to work that much and other bills needing to be paid also. Also my bank account has closed due to it being compromised so I have no way to pay my bill online. This whole time they have been calling me about this sometimes after XXXX XXXX, and I have informed them of the situation. Well on XX/XX/2020 I received another phone call after XXXX XXXX and spoke again with one of the ladys at the XXXX, SC office about this issue and she informed me that I needed to let some of my other bills go to pay them or my account was going to be turned over to collections. They are asking me to pay {$410.00} immediately but, I do not have it because I am out of work now, and do not know when I am going to be able to return to work due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Old information reappears or never goes away

Complaint:
How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completey remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disptued fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$53.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XXXX/XXXX/2020 I received a copy of my credit history report from Transunion.That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX  XXXX, Fl 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-11-20
Company: EQUIFAX, 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:
On XX/XX/XXXX, I contacted Equifax about the following inquiries XXXX XXXX XXXX Inquiry on : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry on : XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Greetings, I have initiated a multiple disputes with EXPERIAN over the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for EXPERIAN to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Address : XXXX XXXX XXXX, XXXX, NY 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 2021-06-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft N/A Account Number : XXXX  This is not mine.

3. Identity Theft N/A Account Number : XXXX  This is not mine.

4. Identity Theft XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX  This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act, XXXX  account # XXXX with XXXX XXXX account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, my credit card account at Wells Fargo was closed due to reasons unknown. I've made 100 % of my payments on time and have had the account for many years. Wells Fargo did not send me any notifications that my account would be closed and gave me ZERO notice. I tried calling Wells Fargo 4+ times over the past couple of days to figure out what happened and each time I was forwarded to a number that would put me on hold for 25 minutes before ending the call and hanging up on me. This account was one of my oldest credit accounts which made my credit score drop significantly when it was closed for no reason. Now I can not get an apartment lease or mortgage because of the impact it's had on 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 explanation
Consumer complaint received 2020-07-31
Company: BARCLAYS BANK DELAWARE
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: Billing dispute for services

Complaint:
Barclaycard Rewards MasterCard ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had notified TransUnion LLC. about incorrect information on my credit report on XX/XX/XXXX. XXXX the first attempt, XX/XX/XXXX. the second attempt and XX/XX/XXXX. the third attempt then I called TransUnion LLC. on XX/XX/XXXX. and spoke with XXXX who stated that this would be corrected and that he would note the acct. as C7 and that he seen my accounts are all in good standing as A9 the last time. I stated that XXXX Partial acct # XXXX ... .. as stated before on XX/XX/XXXX and XX/XX/XXXX that I was never late or past due for 30 days on these noted dates and to please correct this inaccurate information to paid ok on these dates to reflect the truth and accuracy of my payment history. I had requested a updated full credit report to reflect these changes which I had never received the report and only received a letter stating that their investigation was complete on XX/XX/XXXX and that this account was verified which turns out that I was told a Lie because, I contacted the creditor direct by phone and they stated they had not spoken to TransUnion LLC. and they do not even understand why my credit report would reflect late payments when I was never late in my payments. I have told TransUnion LLC. this information told to me by the original creditor but, TransUnion LLC. has still not taken any action or even supplied me with any Validation of information, evidence, proof and steps as well as who they claim they spoken with at XXXX. TransUnion LLC.Credit Bureau is required by the Fair Credit Reporting Act to furnish me with this information requested by the consumer and they did not do so which is in clear Violation of FCRA rules. TransUnion LLC. is currently still listing inaccurate information on my credit report and is in Violation of FCRA rules that states the information by Credit Bureaus must be 100 % accurate, and it is not so please correct this information or it Must be Deleted from my Credit File per FCRA.

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 2018-07-26
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 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. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


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 Equifax : XXXX, XXXX ) XXXX XXXX XXXX ( Equifax : XXXX  XXXX  : XXXX  XXXX  : XXXX ) , XXXX XXXX XXXX ( Equifax : XXXX  ) , XXXX XXXX ( Equifax : XXXX ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.

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 2018-09-28
Company: Experian Information Solutions Inc.
State: IL
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 contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account that are reporting is : XXXX/XXXX account XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect

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