BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX A XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
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:
Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: EQUIFAX, 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:
Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified 609 letter to Transunion on XX/XX/XXXX asking them to send me copies they have on file verify for XXXX XXXX XXXX in {$12000.00} and XXXX XXXX {$0.00} balance which was charged off. Also XXXX XXXX that closed in XXXX. All three accounts came back as verified perTransunion however they did not send me any information I requested within the time frame. I spoke with a representative last week on XX/XX/XXXX and stated the handwritten letter was received.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: SC
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 submitted Everything I am supposed to submit 3 times. Transition has taken care of everything but XXXX has not.

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 2020-11-05
Company: ALLY FINANCIAL INC.
State: NC
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

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: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.

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 2021-03-26
Company: Experian Information Solutions Inc.
State: UT
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:
The credit bureaus are reporting a very old Bankruptcy on my credit file and it must be removed. I recently checked my credit and noticed that this bankruptcy was still reporting and this was discharged over 10 years ago. I had sent a previous round of disputes to the bureaus, specifying that it was past the credit reporting limit but it continues to report on my credit. This must be removed.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: OK
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:
I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX  with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.

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 2020-07-14
Company: Checkr, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I want to kno why I have a wreck less driving on my record still isnt it past the time frame to where it shouldnt be showing up anymore. Its XXXX  anyways just cuz it says wreckless driving u all dont kno the situation of what happened anyways .. so until the whole story is known its not fair that I have a XXXX  driving charge on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, my wife and I visited Chase bank branch at XXXX XXXX, XXXX, XXXX, IN XXXX. We asked the banker to add my wife 's name into my existing checking and saving account. The banker scanned my wife 's ID and added her name to my account. However, a few days later, we got an email from Chase said the documents are not completed and we need to come back to the branch to fix it. 

We went to the branch the second time and the banker scanned my ID. A few days later, I found both my checking account and saving account were frozen. I called Chase custom service and they said they can't find my wife 's ID! 

Then, we went to the branch the third time and re-scanned all our documents, and finally had our accounts activated again. 

Due to the period of the account frozen, we had been charged at least {$58.00} for returned payment. The banker promised to handle it but never reply my inquiry email after I send him the documents about these charged bank fees. 

In addition, we are very concerned about the way they handle our privacy and personal documents. We think this branch doesn't properly train their employees and they have no idea how to correctly handle custom 's personal documents. They lost my wife 's ID. 

In summary. We want the branch to reimburse the loss caused by their mistake and have a full investigation on their way of handling customs ' personal documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented an income restricted apartment and lived out the full lease term with no monies owed except a lost pool key. The pool key was {$25.00}. I advised of my departure in writing but signed for another term granted I could find employment or continue with my unemployment benefits. I was not able to do either, so the lease was not fulfilled because I would then have no way to pay for it. I spoke with the front office the day I moved to make sure no issues were left unsettled except for the payment of the pool key. Months later I started getting calls stating that I owed {$1900.00} for terminating my new lease. I have spoken to the debt collector and to the apartment management on numerous occasions. There was a new management company that had taken over all the accounts for the apartment. I spoke with an employee who happens to be the same employee that I signed the new lease with. She stated that there was a glitch in the system that should have canceled out the new lease since I had no way to pay for the new apartment. So the management acknowledges that this debt is not valid. The debt collector states that I need to have the apartment call them to cancel the debt since they are the ones who reported it. I have disputed this debt numerous times with the credit bureau. The dispute results keeps coming back that the apartment shows it as a valid debt. Ive been dealing with this since 2016. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: MI
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:
Beginning on XX/XX/2020 I made many attempts in resolving the fraudulent and inaccurate information being reported from XXXX  and Experian regarding fraudulent XXXX Credit Card with account # XXXX and address XXXX XXXX, XXXX, MI XXXX. Yet XXXX  and Experian continues to state the account and address is verified without yet providing me proof upon my request.

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 2020-07-14
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I refinanced with the same Mortgage company ( Quicken Loans ) in  XX/XX/2020. My first refinanced payment was due XX/XX/2020. I was already previously set up on Auto Pay and when the new refinance happened was under the impression that the Auto pay would in fact continue.I am currently since XX/XX/2020 set up on Auto Pay. However the auto pay did not transfer and i have called and spoken with XXXX & XXXX in Consumer Relations and they said to me that the 30 day late was valid and would NOT do anything to adjust this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I received a number of unsolicited phone calls from XXXX XXXX  XXXX XXXX XXXX Pushy calls from XXXX XXXX who had knowledge of my debt. He said he would give me 0 % interest for life with Bank of America for a fee of {$7000.00}. The next day it dawned on me that this was a Scam. XX/XX/XXXX I called and canceled. Asked for my check back They said NO. I stopped payment on XXXX XXXX 2020. They got more abusive calling me a XXXX  old Man. A number of harassment of calls followed trying to bully me into reverse my decision. The transfer was done without my permission. When the Bank of America card was sent I did not accept its terms, use it, just held it. Calling, Bank of America telling them of this Scam cancelling any transfer. Bank of America, shuffled me around the country with my complaint, many hours on hold. No help. No resolve. I submitted complaint in writing. Bank of America response was obvious that they did not read my complaint and no one signs their letter so I can not respond. I continue to get harassed by Bank America. Due to the ABUSE I want forgiveness of this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: EQUIFAX, 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:
There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: ID Analytics, 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:
XXXX has once again furnished ficticious and derogatory information to lender " XXXX ''. They provided a falsely low credit score and other false information as well, to assure a denial by XXXX, which they did.

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 2021-09-11
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Hello, I have a check that I have not been able to exchange my check has expired and I have not paid my funds. I need help recover my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Credit World had placed a account on my XXXX report and according to Credit World has made five attempts at getting this account removed as it has been discharged in bankruptcy. Credit World it is negligence on XXXX XXXX part that it has not been removed efforts according to Creit World began in XX/XX/2018 and the account still shows active. THIS NEEDS TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Ma'am/Sir I had applied for a home mortgage with wells fargo bank From Day 1 I had informed their representative that I don't have a 2 year employment history yet but he still sent me a pre approval letter and said loan could be processed Based on their OK, I went ahead to submit an offer to the realtor for closing on the property and paid wells fargo to process the loan Wells fargo got the house appraised and appraisal was more than sufficient to process my loan. 
Their representative told me to extend the duration of the contract so that bank can complete its formalities and release loan so l got the date extended Their credit dept kept asking me for 2 year employment history till the last day inspite of telling me them that I don't have one from 1st day of contact with them. 
The contract expired but they did not release the money to buyer I lost the chance to get the house due to delay and negligence on well fargo 's part. 
I had to arrange cash at a very high cost at the last minute so that I could buy the house. 
When I asked wells fargo rep why was I charged this amount when my loan could not be processed, he didn't have an answer.He directed me to call his senior and speak to her I kept calling her but she would not pick.It would go to her voicemail but she would not call back. 
I realized that wells fargo had cheated me by charging me and getting appraisal done for the house even though they knew this loan could not be processed. 

I have attached a copy of all correspondence with them over email and text. 
Regards 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 monetary relief