BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}. 

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt. 

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.

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 2020-11-29
Company: CBC Companies, 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:
*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Card Dpt EdXXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Get multiple daily calls from Portfolio Recovery for debt that I dont owe. Have asked repeatedly to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: CONTRACT CALLERS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Contract Callers INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2020-11-29
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  is violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been a victim of fraud and identity-theft, which my personal information got stole/compromised with someone. I have filed a police report and have submitted an affidavit a number of times to XXXX, trying to get my XXXX credit file cleaned and fixed. On the other hand, I have submitted those documents to XXXX regarding a particular account called : Goldman Sachs Bank USA. This Account was opened on XX/XX/XXXX by an unauthorized person who stole my identity. XXXX removed the account twice and it got re-inserted on there because the company really think that I actually opened the account and provided unofficial documentation to XXXX, which is incorrect. I am highly upset because XXXX  is violating the Fair Credit Reporting Act and is reporting and re-inserting incorrect and inaccurate information on my credit file. My next steps are to file a small claims court lawsuit against XXXX for not complying with the standards of the Federal Government. Please correct this issue. This account was re-inserted on my credit file on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is making me very upset and is causing additional stress in the mist of a pandemic of XXXX, which I was affected and those around me was affected as well. Please honor my request and have this fraudulent account removed from my Experian XXXX XXXX. Also, this is the only credit bureau this fraudulent account is listed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has a negative item on my credit report from XXXX XXXX. I have had a prepaid account with XXXX since XXXX. My phone number is XXXX, the password for the account is XXXX. They just wrongfully charged my prepaid account recently ( XX/XX/XXXX ) and I was communicating with them about their mistake. They refused to write me a letter because it's a prepaid account. I buy their prepaid cards and load them on the XXXX app to pay for my prepaid service every month. For the month of XXXX, they charged my bank account while I had already paid using their prepaid card and app. I called them to have the charge removed from my bank account and I needed a letter for my bank to remove the overdrawn fee. XXXX refused to write a letter but they did refund my bank account and then properly charged me through their app with the prepaid card. Luckily my bank removed the overdrawn fee without a letter At any rate, This is exactly what XXXX did to me back in XX/XX/XXXX. They charged my bank even though I had paid for their services with their prepaid card and app. I have repeatedlly tried to resolve this issue with XXXX. They agree argue with me that it's a prepaid account and I that do not owe them. However ; They tell Experian that they turned the account over to collections. They double charged me and they will not resolve their issue thus having a negative account showing on my credit report for two plus years now with them. 
I want and need this resolved. XXXX says I do not owe them. When I try to fix it with the credit reporting agencies, I get the run around by both XXXX and Experian. Nobody at XXXX will remove the inaccurate item. Experian will not follow through with the information I have given them to remove the item through their dispute center so this complaint is against XXXX XXXX and Experian for ignoring and denying me repeatedly. Please be clear that Experian is a credit reporting agency and not a debt collector.

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 2019-10-30
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I received an application for a American Express " Gold Delta Skymiles '' credit card, with a XXXX bonus mile offer ( I applied BEFORE the offer dropped to XXXX miles, after XX/XX/2019 ). When I tried to apply, American Express completely denied me that bonus offer. Their web site and customer service agents were unable or refused to provide the reason for this rejection, so I believe it may have been rejected unfairly due to the company 's receipt of my prior CFPB complaint # XXXX. 

Additionally, note that I was strongly dissatisfied with American Express 's response to that complaint. They stated that they were making changes to " comply with the law ''. That claim is absolutely not true, as there is NOTHING in the law that requires all parties to keep the existence of and all information about a dispute completely confidential. As I stated before, the ONLY purpose for forcing consumers into confidentiality PRIOR to entering into forced binding arbitration is to ensure that any highly embarrassing and widespread misbehavior is hidden from public knowledge. Lest anyone think I'm wildly out of touch with such an assertion, XXXX XXXX demonstrated exactly that type of embarrassing and widespread fraud by opening XXXX XXXX fraudulent accounts over the past several years. This is NOT a spurious concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a loan modification in XXXX  on the primary loan with my mortgage company. I had received no assistance from the mortgage service provider Until I had to retain counsel to negotiate a modification. I had a 1st and 2nd loan with the same company but only the first was modified. The loan modification was for 7 years interest only with 20k+ plus added back into the 1st mortgage principal balance. Ill in received was a document breaking the cost and payment of the modification nothing else. I tired for several years after XXXX to have the 2nd modified but to no avail. It has now been almost 4 years since the modification was completed and we have made on time payments for the duration of the modification. With interest rates low, we tried to refinance our 1st mortgage. The second organs did no longer show on credit or on the load serviced website. When trying to refinance, a lien showed for the second mortgage but showed it was foreclosed. I havent received any documentation showing a foreclosure that happened in XXXX of XXXXNo documents have been recorded with the county recorder either. When trying to pay the lien to refinance, the current mortgage provider cant produce any documents showing who it needs to be paid to or wont remove the the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Requested method of verification multiple times of Bankruptcy ( never received, also sent proof that this was not verified but still reporting on credit report inaccurate and damaging my credit as well as potential jobs. 
Late payments and collections reporting inaccurately however investigation of inaccuracies refused which is time consuming and damaging, reports filed one XXXX against companies already. 
However at this time I am requesting a complete and through investigation of these accuracies with information on the verification of the damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on my credit report from OneMain financial that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them.

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX Employees/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act 31 use 3729 - 3733. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following..

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge. 
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 non-monetary relief
Consumer complaint received 2019-04-01
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I went into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I had several XXXX savings bonds to cash out on. The bank did not seem very experienced with these bonds, and they had two different people working on them. It has been over a month, and they just took out XXXX from my account due to a processing error. I'm not sure what happened, but they failed to account for my {$1000.00} bond. In place of the image for that bond on their system, is a {$200.00} bond. I fear that the person that handled the XXXX bond did not process it correctly or image it. I received these for my daughter when my husband died, and I do know that I had one for {$1000.00} because I had just checked the value of all of my bonds before walking into the store. My daughter and I each had one {$1000.00} bond. We could not process hers that day, but we did process mine and I no longer have it in my possession. I believe something happened due to the number of people that were assisting. One processed them correctly, and the other one did not. 

I have two different receipts for this transaction and both show the following : 4 - {$100.00} bonds cashed out at XXXX each 1 - {$200.00} bond cashed out at XXXX 1 - XXXX bond cashed out XXXX Wells Fargo accidentally imaged a {$200.00} bond in the transaction for the {$1000.00} bond and making a claim that I never had the {$1000.00} bond. It is not true. One of the two people there processing these did their part incorrectly. I am not the kind of person that would allow a big mistake like this. I certainly would have known if they over valued a bond. I walked in there knowing exactly how much I would receive because I had just looked them up online.

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