BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-01
Company: U.S. BANCORP
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:
The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2023-06-12
Company: EQUIFAX, INC.
State: NV
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:
" i have not provided proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, i presume that no proof of the alleged, nor therefore any such debt, in fact therefore exist. 

Fair credit reporting act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete that is innaccurate, incomplete or which cant be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-11-01
Company: TD BANK US HOLDING COMPANY
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:
The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My home equity loan was sold by XXXX XXXXXXXX XXXX to Rushmore loan  management services in XXXX, CA. in XXXX of this year. On their first billing Rushmore billed me {$50.00} each for annual fees for the years XXXX and XXXX. I told them that these fees had been paid to XXXX XXXX on a timely basis. They asked me to show proof. The only proof I have is that I was not dunned by the bank for. this payment. I told them repeatedly to talk w/XXXX   XXXX on this matter. Surely they have proof since these payments were drafted from my checking acct along w/my monthly payments. They apparently have not talked to XXXX XXXX. I have made my first payment to Rushmore, including the {$100.00} in dispute for fear that not doing so would harm my credit rating. I would like this amount to be refunded. It appears to me that the subject of fees was overlooked by the parties in the negotiations concerning the sale of the mortgages.It is my position that XXXX XXXX collected the fees ; how they processed them, or applied them is their business, and not mine. My sole obligation was to p [ ay the fees, which I did. 
Acct. # XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX XXXX has tried to address this situation with XXXX XXXX  I withdrew my initial complaint because I did get a call from XXXX XXXX XXXX  and I thought they would rectify the problem but they havent I have called them back and have left voicemails to the lady that was handling my case Im really upset because Im not just a business owner account but I have two other accounts thats open with XXXX XXXX  so its no excuse to not know my business address the forms I will be uploading will prove this this is so upsetting and goes against my rights as a business owner I would like this issue address with XXXX and transunion who also illegally let you run my credit twice this is not right for consumer to treat as such rules are rules the dates are XX/XX/22 when I applied for both same day you will see in your records transunion so please address this problem thats holding me and my business back from moving forward XXXX  can you address this im a customer of yours who does primarily business with your company on a daily I would like them same opportunities as any other business owner thanks

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 2020-11-01
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: Was not notified of investigation status or results

Complaint:
I have sent several letters to Experian regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged XXXXollectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. XXXX has failed to " Verify ''! XXXX has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law. 




.

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 2023-02-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting Act XXXX Account # 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 : It 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 2023-02-07
Company: American Coradius International LLC
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 received a letter for debt collection in the amount of {$1100.00} for XXXX account. I dont have XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Global Radius Solutions, call me and advised that the number they had was XXXXne that was provided to them which is untrue, the number provided is not even on my XXXX account or any place else. The loan they are stating that I owe is still on my XXXX account and from XXXX XXXX which is now closed. They contacted me on XX/XX/2018 under complaint # XXXX and today and advised them for the second time not to contact. 
She complied but i'm pretty sure they will try again.

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 2020-11-01
Company: EQUIFAX, INC.
State: TX
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 sent Equifax a letter to dispute an invalid account and multiple invalid inquiries being reported on my account. USPS confirmation shows Equifax received the letter XX/XX/2020. It has been 30 days and I have not received any correspondence related to this dispute. Equifax 's failure to respond to my letter and investigate these invalid items on my report are cause damage to my profile resulting in credit denials, higher interest rate and damage to my reputation. I have attached a copy of the XX/XX/2020 letter sent and a 30 day non response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Convergent Resources, 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:
Repeated attempt to collect a debt that is not mine. Claims to be looking for XXXX XXXX. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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:
I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on Equifax i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX  has inquiries on my report from identity theft and they date back XXXX year i have sent all documents in I want them removed. This is too much stress to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was seen by a provider at XXXX XXXX. Upon receipt of a bill later that year, I noticed a discrepancy on my bill for XX/XX/XXXX that resulted in an excess charge of {$5.00}. I made the provider 's office aware of the discrepancy, which they indicated would be corrected and that I would receive the corrected bill at a later date. I subsequently received a notice from XXXX XXXX that this amount had been corrected on their end and that the forthcoming bill from XXXX XXXX should indicate the correct total amount due. The initial amounts for these three bills were {$170.00}, {$25.00}, and {$18.00}, respectively, with the second bill corrected to {$20.00}. The total amount for these three bills was {$220.00}, which was paid to XXXX XXXX on XX/XX/XXXX. However, concurrently, I had received several errant bills showing the incorrect amount due of {$230.00}, which I disputed with XXXX 's billing department, indicating that a correction was submitted and that it would be paid upon its conclusion. Nevertheless, XXXX initiated collections activities on my account and forwarded my account to Credit Control Corporation. However, payment was made to XXXX XXXX prior to the notification of collection activity from Credit Control Corporation, which resulted in the payment being sent to CCC for processing, rather than being handled at XXXX. I was subsequently charged collections processing fees ( ~ {$75.00} ) and my payment was misapplied to a previous " bill '' on my account that did not belong to me, which was dated XXXX. I have since made contact with both XXXX XXXX and Credit Control Corporation to resolve the issue, without success. Both parties indicate the other is responsible for the error but neither is willing or " able '' to resolve it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my 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 2020-09-04
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I have tried to dispute the illegal charge of {$74.00} charged to my credit card issued by Citibank ( last four digits of the card number is XXXX ). 
The charge is by XXXX XXXX on XX/XX/2019. 
I have tried to dispute this charge many times over the phone with Citibank, but I was told over the phone by customer service of Citibank that they would not accept my dispute. I asked for the Citibank representatives ' names and got only one of them to provide her name. She said her name is XXXX and she was in XXXX. 
This is a discrimination against me as a person of XXXX. 

I demand that Citibank return {$74.00} to me and I demand that the Federal government fine and sanction Citibank for XXXX discrimination.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-11-02
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank has locked my account since 6weeks now, and have withheld my money both in my savings and checking account.I have called them severally and I haven't gotten any positive feedback or response.

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