BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019 I checked my credit report with Transunion and noticed false information being reported on my personal credit report with a company named XXXX/XXXX. I sent Transunion a letter via certified mail # XXXX on XX/XX/2019 and received a proof of delivery that they received my letter on XX/XX/2019. I have attached my credit report from XX/XX/2019, the letters I sent to Transunion, and proof of delivery for your review. I notified Transunion that there was an inaccurate item being reported on my credit report and that I contacted the company at the address listed on my credit report as XXXX XXXX, XXXX, TX XXXX, however, the mail was returned by the USPS due to an invalid address. I enclosed a photocopy of the returned mail. 

I have not heard back from Transunion regarding this matter. Today, XX/XX/2019, when I checked my credit report, I noticed that XXXX/XXXX was still listed on my account with false and inaccurate information. Given that the furnisher has provided false information to Transunion and a false address I demand that the item they are reporting be removed immediately. 
Thank you for your cooperation in this matter.

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 2019-05-25
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The companies involved are already aware as I have written to all of them. XXXX is claiming that I have not made any payments since XX/XX/XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX   negotiated with me. XXXX went out of my business in XX/XX/XXXXwhen my account was paid in full. They told me that Attorney Marvin Dang would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, Dang instead wrote me and said that I haven't made payments since XX/XX/XXXX. This is inaccurate. I have sent letters and proof to Marvin Dang and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an Apple product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX '' invoice is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. 
My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, OH XXXX The following addresses are NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT 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 2018-08-14
Company: CITIBANK, N.A.
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017. A check for a balance transfer was sent to citi bank XXXX XXXX. The check has been cashed and the debt was never cleared. XXXX XXXX has sent me to collections and called me over this balance. I have faxed numerous copies of the check to XXXX XXXX and my credit continues to take a hit.

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 2019-05-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly that I am 150 days past due on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-03-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX in XX/XX/2017 attempting to collect an amount of {$110.00}. I advised the lady call I did know who that are an as far as I knew I did not owe them any money. The lady was told by me to provide me proof of the debt in the form of an contact or signed document that I entered into the debt an would happily pay the amount if I owed XXXX the {$110.00}. She stated that she did not have any document of this type. I informed her that would not pay the {$110.00} until someone could prove to me that I owe this debt. Then in XX/XX/2017 I received a letter from XXXX XXXX XXXX. A letter was sent to them stating that I do not owe this debt. This debt appeared on XXXX and XXXX  credit reports. The refuse to remove this item from the credit reports, but them still have not provided proof of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been providing documents to Wells Fargo bank for the last five years trying to qualify for a loan modification and for five years Wells Fargo some reason or another keeps miss reading or mis documenting my file and every time because they miss read or misunderstand my documents they reject my loan modification request, for example the last letter of rejection that they send to me on XXXX XXXX, 2017 it was mailed to a wrong address and in that letter they gave me 36 days from the date of that letter to file an appeal for that decision while the letter was sent to a wrong address when I asked them to fax me a copy of that letter by the time I got this copy it was too late to appeal.
In that letter they mentioned the reason for the rejection 1- NPV saying my house is worth {$850000.00} where as my house is the most worth {$700000.00} 2-they mentioned my income to be {$9400.00} where my income that I provided documents to the bank is {$10000.00} per month, which it should keep my DTI at 37 %.
Every time I reapply for a modification the Wells Fargo find a way an incorrect way to reject my modification request where meanwhile my loan balance is going up and I am drowning under so much debt.
Wells Fargo has made up an attorney representation given to my real estate agent without my consent and has been refusing to speak with me due to that until recently that my real estate agent wrote to them questioning that decision and writing and asking to revoke that attorney representation and asked the bank to communicate with me. All these excuses to delay and reject my request for modification?
I would like to direct your attention to the attachment under attarney representation page 2 of 5 the reasoning for rejecting the modification request and the RMA attachment showing how much income I am claiming.

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 2018-03-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2017, I was offered a promotion by a representative from American Express ( Amex ) during a phone call. The promotion was about adding additional authorized users ( additional cards ), and I would earn XXXX Membership Reward ( MR ) points after {$500.00} purchase of each additional card. Up to XXXX MR points in total. I accepted the offer and added 4 additional users to my card. The whole process was monitored by a supervisor of the representative, and they ensured me that they would keep this in mind and if all of the additional cards hit the {$500.00} purchase requirements, they would credit the XXXX MR points to my account. They especially guaranteed this because the offer was initially removed by a representative by accident without my permission, but they manually added this offer and the supervisor promised me that he would honor this promotion. 

All of my additional users spend more than {$500.00} by XX/XX/XXXX this year, but the MR points have not been credited to my account after a few weeks. Therefore, I called Amex multiple times and even reached out their supervisors several times, but they seemed to know nothing about the " promise '' the supervisor gave to me ( he previously said he had put notes to my account to honor the promotion ). Thus, Amex agreed to set up a case for investigation. However, in XX/XX/XXXX, the case was still pending. It has been more than 6 weeks since I first contacted them about this issue. 

Importantly, it is not something difficult for Amex especially when my conversation with the supervisor on XX/XX/2017 is recorded. I feel helpless and depressed because Amex first gave me the promotional offer and guaranteed that the offer would be honored. Then, when I met the promotional offer, they started to shirk responsibilities. Customers are always in a passive role, especially in such situations. I really want to Amex to go ahead and check to the conversation record and honor the XXXX MR points. Keeping promise is an important policy for any merchants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Current account with Flagship still open this account should be close already.

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 2019-05-25
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2019 a person logged into my blue -bird prepaid debit card without my permission sent my money of {$200.00}. To Email address of XXXX. Transaction ID XXXX From my prepaid American Express blue bird card. I called XXXX 2019 around the afternoon telling American Express prepaid blue bird that was unauthorized transaction and I didnt know the person at all i wanted my money back. Blue bird fraud- department trying saying it was authorized transaction if it was why would call almost every couple days asking for update on the {$200.00} and the status of my money. Why would waste my efforts writing the federal trade commission and also changed the password on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
On XX/XX/2019 I contacted American Express to pay off/Settle my account. 
They offered me {$900.00} to Settle the account and it would be considered paid in full and close the account. The full balance was {$1300.00} originally On XX/XX/XXXX XXXX  alerted me that American Express had reported that my account had been charged off. Which is completely inaccurate and False.. 

American Express has not complied with what they had promised me. They are still asking for {$490.00} more, even after they have said that my payment of {$900.00} would settle the account as paid in full and close the account. 

They have lied to me on every account, and now XXXX will not allow me to Dispute this account. 

American Express has not sent me any documents as of this date, but I do have proof of my payment with my bank and American Express has a Recording of my Phone Call with them when I settled the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Reference number : XXXX Case name : XXXX XXXX Case number : XXXX The detail of my complaint is as follow : I received a letter from Bank of Americas Legal Order Processing, indicating that they received a subpoena, summons, or both pertaining to the above reference case. As a result, Bank of America will release my financial records to the law firm. 

I called Bank of America and told the representative that the party has mistaken my identity for someone else, and Bank of America should not release my financial records. 

The representative said they were able to match my information. Again, I told the representative that I only have a checking account and after checking with the legal department, the agent said the social security provided by the law firm requesting my financial records is not a match. The number is for another person, not me, and is not a match. However, the agent insisted that Bank of America will  release my financial information per the law firms request. 

When I asked the representative to fax or email the county clerk authorized subpoena or summons, she refused. 

Please investigate this matter and inform me of the results. 

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 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Seeking rentals and FHA first time homebuyers mortgages. Seeking these living residences will create hundreds of inquiries. Every apartment application requests to pull credit credit numerous credit inquiries. Each inquiry drops the credit score by five to seven points. Seeking a living residence and apartment rentals can completely eliminate a consumers credit scores. I am complaining about this abusive use of credit score declination. This credit score killing stays on the credit report for twenty four months and remains on the credit report for two years. The inquiries drop the score for twenty four months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: IN
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 happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

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 2017-11-17
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:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the  courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation