BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, XXXX and Transition, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. Transunion lists my public record was updatedXXXX, XXXX, lists my public record update as XX/XX/XXXX, XXXX has not updated my public record, but they also have not sent me their MOV  either.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reporting agency everything on my credit report is supposed to be 100 % accurate ..The credit bureaus stated my account was properly investigated but how is that possible when the date open is inaccurate.last payment is inaccurate. Account type is inaccurate. This is grounds for removal they have violated my rights .I sent a dispute for the following accounts and they came back as updated and verified which does not explain how these inaccurate accounts were proved to be verified. I was part of the cfpb data breach. This is why my accounts are coming back verified which is not. Please show me proof how these accounts are verified or delete these accounts from my consumer report. The law clearly states 15 Usc 1681 section 602A I have the right to privacy Law 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions Please delete these accounts from consumer report XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX XXXXXXXX XXXX  acct # XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # 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 2021-02-11
Company: Commonwealth Financial Systems, Inc.
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've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FIN. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Trans union is reporting inaccurate information Ive written numerous complaints via mail and cfpb compliants. These items are not accurate and should be deleted immediately Derogatory Accounts ( XXXX ) XXXX XXXX Other Loan Past due : {$280.00} XXXX XXXX XXXX XXXX Loan Past due : {$550.00} XXXX XXXX XXXX Other Loan Past due : {$730.00} XXXX Chargeoff XXXX XXXX Credit Card XXXX XXXX XXXX {$170.00} ChargeOff XXXX FUNDING Other Loan Past due : {$830.00} Collection/ Chargeoff XXXX Other Loan Past due : {$290.00} ChargeOff

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 2022-10-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : 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 explanation
Consumer complaint received 2018-05-16
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please refer to complaint XXXXXXXX is alleging that I owe $XXXX which resulted their breach of contract.  Also, I did not have a signed contract with XXXX.  XXXX, Diversified Adjustment Service, XXXX XXXX XXXX, and XXXX XXXX are all represented by XXXX.  These companies have failed to provide the, oral contract, that I had with XXXX.  I request a transcript of this oral contract on about 15 different occasions over the years.  XXXX breached its contract with me and that breach resulted in the alleged debt of $XXXX.On dozens of occasions, with XXXX  and their collection agencies, I have tried to settle this debt to avoid the horrible tactics of the collection agency.  Finally, the CFPB ordered this debt from my credit report but now XXXX is circumventing your agency by emptying another debt collectors named diversified adjustment service.  To be clear, I do not acknowledge this debt.XXXX  has been notified in writing to cease and desist communications but they are not obeying that order.  The collection companies have not been operating in accordance with the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2018 revolving credit bill for {$200.00} sent *** XX/XX/18 - payment of {$200.00} credited to my account *** XX/XX/2018 - bill for {$2.00} finance charge sent for payment *** XX/XX/2018 - after XXXX, {$2.00} fee refunded *** About XX/XX/2018 I filed complaint with PA XXXX of Attorney General concerning improper ( fraudulent? ) transaction/interest fee imposed on XXXX XXXX XXXX XXXX XXXX XXXX complaint read ... On or about XX/XX/2018 I made payment of {$200.00} which was the total amount owed on my revolving XXXX account. This was payment in full on the account. Subsequently, XXXX sent a bill for {$2.00} due on XX/XX/2018, ostensibly for interest due. The billing statement on the back states ... we eill not charge you any interest on purchases if you pay your New Balance by the payment due date each month. ... This bill for {$2.00} violates that agreement. XXXX XX/XX/2018 XXXX responded that ... the {$2.00} interest charge on your XX/XX/2018, billing statement was for the interest charged on your account due to the balance you carried over from the previous billing period. Specifically, you were charged interest for the balance between the last bill date of XX/XX/2018 and the date XXXX XX/XX/2018 ), that your {$200.00} payment was received for your account. ... *** When I spoke with XXXX XXXX ( XX/XX/2018 ) she insisted that interest charged was due to credit extended between XX/XX/2018 billing statement date and date payment was actually received ; that XXXX XXXX XXXX XXXXk ( XXXX ) made such charges part of their credit agreement ; that the XXXX credit card disclosures, paragraphs when interest charges begin and grace period on purchases allowed that interest charge.

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 2022-02-28
Company: ALLY FINANCIAL INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
These accounts with ALLY FINANCIAL with account numbers XXXX and XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a credit card with XXXX XXXX. I was denied because my address did not match what was on my credit report. Then I tried to get my credit report and could n't get it online because the security questions were n't mine. I feel I am a victim of credit fraud. What ca I do to prove I am the rightful person to use my Social security number?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: LA
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've had lots of ID THEFT happen to me over the past few years and there are several incorrect accounts and inquires begin reported on my credit report, I have sent in all supporting documents and police reports in order to have these fraud items blocked and or removed. All documents required by the FCRA have been sent in listing all of the following fraud information. The following is fraud. 

1.XXXX XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX 3.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 4.XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX  Inquiry :XX/XX/XXXX 7.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 8XXXX XXXX XXXX Inquiry XX/XX/XXXX 9.XXXX Inquiry : XX/XX/XXXX 10.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX 11.XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 12.XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX 13XXXX XXXX Inquiry : XXXX XXXX, XXXX 14.XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX, XXXX 15.XX/XX/XXXXInquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ALL THE LISTED INFO IS RELATED TO THE ON GOING ID THEFT ISSUES 16.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Wells Fargo bank on XX/XX/2023 once I was aware that there had been fraudulent charges made to my account. Wells Fargo then conducting an investigation and concluded that the charges were not fraudulent. I was able to reach out to merchants to confirm that I either do not hold accounts with those merchants or that I did not make those charges, however Wells Fargo is still denying my claim and will not let me appeal any of the charges even the ones that I was able to verify myself that were fraudulent. 
I have spoken with their appeals team multiple times only to be denied help. The amounts total upwards of {$4100.00}. my debit card was stolen and someone has been using my card all across the state of Georgia. Wells Fargo will not refund me my money. Please help. I will attach screenshots of fraudulent charges below.

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 2020-12-16
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX XXXX XXXX, on XX/XX/XXXX, JPMCB - CARD SERVIC ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
All happened in XXXX let. my daughter in law live in this house for XXXX years ( XXXX XXXX XXXX XXXX XXXX house home has been in the family for XXXX years..after she moved out i called BOA and that is when i found out my XXXX XXXX law missed XXXX payments ... I imediatiately put the house on the markrt for sale with realtor XXXX & XXXX XXXX TURN THE REALTOR GOT US A MEDIATOR XXXX I WANTED TO A SHORT SALE WITH BOA JUST SO BOA WOULD GET THEIR MONEY BACK OF WHAT WAS OWED ON THE HOME..IN THE BEGINING OF ALL THIS BOA TOYED & PLAYED GAMES WITH ME OUR MEDIATOR & OUR REALTOR LENDING ALL XXXX OF US TO BELIEVE THAT BOA WAS WILLING TO DO A SHORT SALE ... AS THE YEAR WENT ON BOA HAD ONE EXCUSE AFTER A NOTHER..BOA WAS HAVING US SEND THEM ALL KINDS OF DOCUMENTS.I WOULD SEND THEM I WOULD CALL THEM IF THEY RECIEVED MY DOCUMENTS & BOA SAID NO THEY SAID FOR ME TO SEND AGAIN..THIS TYPE OF BEHAHAVIOR WITH BOA FOR MONTHS & MONTHS..STILL BOA MAKING us to belive They were going to do a short sale..Boa had our mediator open up a XXXX account so that any offers we got would go thought this XXXX XXXX.Boa would sent it to our meditator and stay u have XXXX hours to send the stuff for the short sale paper though this XXXX ... my mediator kept telling me Boa would shut the XXXX XXXX down and said she only had XXXX hours to send the paper work though the XXXX boa would shut the XXXX XXXX  and tell me that my mediator didnt even open there XXXX... this was a constant thing with Boa..making us believe for XXXX year that they wanted to do a short sale then one day we went to court and the judge looed at XXXX rep fron XXXX and asked are u willing to do a short sale the rep said NO ... after XXXX year!!!! The best part we had XXXX cash offers sitting in our releators desk waiting for Boa to get off there XXXX but to no aval ... if boa had worked with the relator with these offers we could of sold that home... now 4 years later they locked us out of the house. Which is stupid on there part & we r loosing a family home which has been in the family for XXXX XXXX. BOA are such lairs they cant be trusted sincerely, 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft. 
Transunion is reporting an unauthorized inquiry on my credit report : XXXX XXXX  XXXX XX/XX/2022 These accounts are the results of identity theft : 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 2016-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was recently stolen. The fraudsters have attempted to open a number of credit accounts with retail establishments such as XXXX, XXXX, XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.

Company response to consumer: Closed with explanation