BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
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:
Dear XXXX/DOFED & Transunion Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately.

( Screenshot below )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you. 
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Portfolio Recovery DID NOT DISCLOSE THE DATE OF THE LAST ACTIVITY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the DATE OF LAST ACTIVITY TO XXXX, XXXX   OR XXXX credit agency. In Portfolio Recovery response to previous complaint, they only stated this XXXX adverse account was opened in XXXX and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the DATE OF LAST ACTIVITY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the DATE OF THE LAST ACTIVITY. The bill statement does not reflect any activity of the account holder. I formally request this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: INVESTORS BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are Investors Bank, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX bank & Investors Bank. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from Investors Bank and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, Investors Bank even does not try to help this case at all. 
I went to XXXX XXXX XXXX office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
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:
My XXXX XXXX XXXX model was smashed into while I was towing it during a move from XXXX to XXXX XX/XX/2018. My Vehicle was then declared totaled by XXXX my insurance carrier in XX/XX/2018. XXXX worked with XXXX XXXX ( at fault drivers insurance ) and Nissan Financial from XXXX toXX/XX/2018 to determine the payout amount. In XXXX XXXX paid Nissan Financial aka NMAC close to {$11000.00}. I didnt have GAP insurance so I had to pay the balance about {$1600.00} to NMAC in XX/XX/2018. The vehicle is paid off XXXX balance. NMAC is reporting a missed payment on my credit report in XX/XX/2018. I have disputed it with all three credit bureaus numerous times with negative results. I have called NMAC and they refused to change it on my credit report. Im a XXXX Veteran and I can not use my VA loan to purchase a home in XX/XX/XXXX because this one missed payment error destroyed my credit score.  Please help me with correcting this error and have XXXX take it off the three credit bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: SUNTRUST BANKS, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Tried to make an additional {$1000.00} principal payment online but was denied. Message came up that you must first pay PREVIOUS MONTH Payment first. Today is XX/XX/XXXX, previous month was paid in full on XX/XX/XXXX. Previous month is XXXX!!! Asked to speak with customer service supervisor. She said I was on a recorded line, I told her she was on a recorded line as well She said she had to hang up on me, and she did. I asked her for information on corporate office at Suntrust and she hung up on me. I consider that a breach of service commitment by SunTrust. 

All of my previous loan servicers allowed me to make additional principal payments without any restrictions. 

SunTrust is in breach of service as my mortgage servicer by failing to provide me with information necessary to me in conducting financial transactions.

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 2021-06-07
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: Information belongs to someone else

Complaint:
As of XX/XX/2021, XXXX  and TransUnion are currently reporting an fraudulent account from XXXX XXXX  that is adversely affecting my credit score. This account is not mine and no information has been furnished to me upon request. I was a victim of fraud previously and as a result placed a lock on 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 2020-07-02
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 file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$440.00}

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 2019-05-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Have a Wells Fargo Card that I use to pay my cell phone bill in order to take advantage of the Cell phone protection program they advertise as a major benefit. My phone dies, I go to the apple store so they can trouble shoot and prepare a statement I need for the claim. They determine the phone is unrepairable since the issue is motherboard related/. The Card Benefits folks deny the claim claiming a manufactures defect. How could they possibly know that? They said the phone has to show physical damage to be eligible. The claims about this benefit, which is heavily marketed, and the reality are very misleading. When I asked for a review of the claim they sent me the the XXXX XXXX XXXX who I highly doubt many people will take the effort to file with. I believe the claims vs. the reality are misleading and the decisions are not based on objective fact. The fact that they do not have an escalation process outside a time consuming third party process means the company did not have good faith.

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 2021-08-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Get you hackers off me! This is a violation of my civil rights what they are doing to me! Get them out of my laptop and phones! They have no right to remote in and tie me up making it impossible to function or find work! They are purposely playing a heavy hand in " bleeding '' me out so that I don't come forward with and report the fraud you and all mortgage servicers are comitting on homeowners! 

Get your hackers off me! This is discrimination! They are not doing this to anyone else but me! Get your Hackers off me now!!! 

They have overloaded my XXXX XXXX XXXX online storage space so that it reads I am over storage by XXXX GB when I hardly have anything saved on there! They have disabled my usb drive on my laptop so that I can't save to a thumb drive and transfer files needed to report your fraud! They have disabled my keyboard so that I can't even type on my own laptop which is the only computer that I have! They have deleted every single file I had saved in my XXXX XXXX. I had all my work in there! They have no right to do this! They delete all emails I send out to seek legal representation! This is a violation of my civil rights! 

Get your hackers off me and I will show you all the evidence that more than shows you have a reason to be doing this to me but that doesn't make it right! Get your hackers off me once and for all! I have a right to report fraud that you committed! I have a right to work but they purposely making it so I don't obtain a job! GET YOUR HACKERS OFF ME!!!!!! GET YOUR HACKERS OFF ME NOW!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Granite Creditors Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company sent me a letter stating I owed their client money. I disputed the letter within the 30 days of their letter stating I had to do so in writing or their demand would be considered valid. I disputed the letter right away and sent them a response denying a claim immediately. I was alerted my XXXX XXXX that I had a negative credit rating and a collection account which predated their initial letter to me. This company placed this collection account on my credit report in XX/XX/XXXX ; They officially notified me in XX/XX/XXXX and I responded in the same month denying the claim. 

This company has done 2 things : threatened me with a negative credit collection which is not a valid debt and misrepresented and lied about following the rules of me wanted thi=em to prove a debt. This debt also appears to be out of statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Their investigation did not fix an error on your report

Complaint:
Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and Equifax never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: DISCOVER BANK
State: NY
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:
Discover card has breached my security by allowing a person to plug in my numbers to obtain limousine services from XXXX. According to Discover card a person by the name of XXXX has put {$1400.00} of unauthorized charges on my Discover card by using my card numbers. I blindly paid the credit card my entire bill. After noticing these charges on my credit card around XXXX I brought this to the attention of Discover card. Discover card refused to credit my account after giving me the credit they recharged my account. 
I have not authorized those charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: FL
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:
Hello thank you for addressing this matter while reviewing my three credit reports I see a 40 difference between XXXX and the other two. Turns out inquiries for a mortgage during a one month period by two banks are being counted individually by XXXX  and Experian. 
So I signed up to have credit monitoring to correct hoping to correct the issue and was charged twice by XXXX  yet they have not provided me the service. I have receipts of the online transactions via my bank. 
Lastly my balances on XXXX  and Experian are not updated so they reflect a {$5000.00} higher than XXXX it seems the other two want to sell me services for credit cards and loans rather then reflect the true balance. 
Please help 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