BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX  10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % accurate.

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 2020-05-27
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXX  XXXX {$380.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$3500.00} XXXX XXXX {$220.00} XXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX BANKRUPTCY DISMISSED CHAPTER XXXX XXXX DISSMISSED

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXX  XXXX {$380.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$3500.00} XXXX XXXX {$220.00} XXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX  XXXX  XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXX XXXX DISSMISSED

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.

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 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 about the 5th time that this has happened. TransUnion has reported incorrect information on my report. I am showing an open loan on my credit that is not mine. It was opened XX/XX/2018 from XXXX XXXX. I spoke with XXXX on XX/XX/18 at XXXX XXXX They confirmed I did not have an account with them and saw another account with a similar s.s. number that was open on the date reported. They said it was a reporting issue on the side of TranUnion. I need this information corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: MD
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:
I filed chapter XXXX bankruptcy on XXXX XXXX An account listed on my credit report is being reported as a charge-off on my Equifax report XXXX The account in question was included in the bankruptcy. Ive disputed the account a total of 4 times, each time getting the same result that information is being reported accurately. I have even contacted the creditor and provided a copy of my chapter XXXX petition that lists this particular account with no satisfaction.. The other XXXX credit bureaus are reporting this information correctly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am repaying my loans with the XXXX Award and there is a text box for instructions on the My XXXX Repayment Request Form. I have made three payments so far and included my specific instructions on how to allocate my payment of {$850.00} to my loans. Keep in mind that I have already included interest as well. 
I log in and I see that my payments have been processed for the full amount but some of my loans still are outstanding. 
Instead of following my directions, Navient had distributed my payments on my loans incorrectly and improperly. 
Here is the amount that I instructed : XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX Here is how they allocated my most recent payment : XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$94.00} XXXX Direct Loan - Unsubsidized - {$89.00} XXXX Direct Loan - Unsubsidized - {$90.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$290.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$79.00} XXXX Direct Loan - Unsubsidized - {$190.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized {$0.00} I expect Navient to resolve this by allocating the past payments correctly. I have a limited amount of XXXX Award and I CAN NOT disburse more due to Navient 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wire transfers in the amount of {$4100.00} was wired by Wells Fargo Bank to XXXX XXXX XXXX on behalf of a known fraudster known as XXXX XXXX XXXX XXXX XXXX. These wires were made between XX/XX/XXXX to XX/XX/XXXX. Several attempts were made by me between XX/XX/XXXX through XX/XX/XXXX to recover the funds directly from XXXX XXXX XXXX. On XX/XX/XXXX I requested a wire recall directly from Wells Fargo, no satisfaction has been made to date. 

A complaint by me has also been filed through your organization against 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely.

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 2023-03-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXXXXXX {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. XXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXX XXXX XXXX  {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX ORIGINAL CREDITOR:XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I entered the XXXX market XX/XX/XXXX at XXXX pm and this page appeared. I had very good comments so I trusted them I went to their catalog and chose some products, I made the bank transfer of {$500.00} pesos and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I reached out to I C System INC. in regards to a collection they have placed on my credit report for a XXXX XXXX debt. That debt was settled with the previous collection agency ( XXXX XXXX ) whom owned that debt at the time.I spoke with XXXX XXXX w/ I C System INC. and explained that in XX/XX/XXXX that debt was settled and considered paid in full and was to be removed from my credit report in which it was and this needs to be removed from my credit report and closed. He stated that I needed to take this matter up with XXXX XXXX   because if I settled with them it would not have been placed for collection now so I must have defaulted on my agreement. I explained I did not and this needs to be removed but he stated there was nothing he could 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 explanation
Consumer complaint received 2021-01-22
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX XXXX / ACA of XXXX ; I just got out of strange phone calls with representatives of XXXX XXXX XXXX # XXXX ) and ACA of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
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:
I received a copy of my credit report and the bankruptcy listed is not mine identified as such on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Had a residential mortgage with XXXX XXXX XXXX, which was transferred to Chase Bank when XXXX XXXX XXXX   failed about ten years ago. In XX/XX/XXXX, Chase Bank agreed to refinance the mortgage and claimed that they had " lost '' the original mortgage and note and stated that they would issue a new mortgage. I closed on the refinance on XX/XX/XXXX. To date, the satisfaction of the former Washington Mutual/Chase mortgage has not been recorded. Chase has recorded the " new '' mortgage and now there are two open mortgages of record against my home.

I requested that Chase supply me with an indemnification for the lost mortgage and note and they have not responded.

This transaction involved property in NY State, and, Chase is obligated to pay a penalty for late filing ( or in this case the non-filing ) of my mortgage satisfaction and for the failure to deliver the original note and mortgage. At this time, the county records show both the " new '' Chase mortgage and the " old '' Washington Mutual mortgage. If I try to sell my property, there will be a problem because the Washington Mutual mortgage is still showing as of record. I also want to be paid the NY statutory penalties for late filing and the failure of Chase to provide the lost note and mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2018-12-07
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a Debit Card from Frost Bank on XX/XX/2018 which I did not request. I contacted Frost Bank and they said an account had been opened on XXXX XX/XX/2018. No funds were deposited. I received a separate letter the same day regarding my request not to authorize and pay overdrafts. Regardless, I do not want/need a bank account or card from Frost Bank. A scan of both letters are attached ( XXXX XXXX - Frost Bank Card.pdf ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Public record information inaccurate

Complaint:
I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX XXXX credit report. I have contacted them to remove these inquires and they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX try to cancel a warranty never did after 4 months nothing happend

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation