BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}

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 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion sent me an email on XXXX XXXX, XXXX notifying me of Changes to my credit report. I still see two names that do not belong to me or have been used by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2018-04-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I filed bankruptcy last XX/XX/XXXX and I was called in XX/XX/XXXX from a blocked phone number the lady kept calling back to back she wouldn't say what was the company name nor her name at all. Today my brother called me after he has told them numerous times to stop calling him and they finally left a phone number to call back on which is XXXX. The company 's name is XXXX that has been harassing my brother. I advised them to call my attorney and I will reach out to the CFPB to see what can I do to start a lawsuit or see if they have been violating federal law by calling from blocked phone numbers, harassing people, leaving voiemails on others phones and not calling me ( my phone number hasn't changed ), and not checking the federal bankruptcy courts to validate that I had filed for Chapter XXXX protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: MI
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Back in   XXXX   I contacted CFPB regarding my JcPenny account with Synchrony Bank. Here is original complaint : " Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud. The problem is with my former JcPenny card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as 30 days late on my  XXXX  credit report. I was assured that the report would be corrected and the 30 day late would be corrected and removed. To date, this has not been done and  XXXX  is showing as 30 days late, breaking their promise to me via the letter received. FIX IT! '' I received hard copy letter via postal mail on  XX/XX/XXXX and   XXXX   XXXX  , 2017, that they were updating the bureaus to reflect current closed status and not past due. The problem has never been fixed, as my bureaus are reporting STILL as closed Past Due. I highly suggest this be fixed immediately, without further lies and B.S. - I was told this would be taken care of, and shocker, it has not been. " " in our previous response dated   XXXX   XXXX  , 2017, we requested all major credit bureaus delete the late payment associated with this account from your personal credit history. You were informed that the updates to personal credit report may take up to 60 days. '' - Its now past the 60 days!!
This is ridiculous and shameful that a large retail bank, lie and deceive, to get out of trouble.
I have contacted my lawyer, and will follow up with legal action if ALL bureaus are not updated and corrected within 30 days of this complaint. CFPB get of your lame  XXXX  and follow up on this, not just take the easy way out.

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 2021-08-09
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, 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 2020-11-27
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:
My old XXXX lease account was closed. 
This new lease account is not under my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: IN
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 called and sent multiple letters to Equifax proving that a name, social security number, and several accounts listed belong to someone who is NOT me. I have provided them with legal documentation, such as copies of my driver 's license, social security card, and proof of address, indicating that this person 's information needs to be immediately removed from my reports. I have tried to resolve this over a period of approximately 7 months, and as of today 's date, I have been unsuccessful. They have not even had the courtesy to respond to me. When I call, I get transferred and then the call drops. 

I was recently turned down for a mortgage loan even though XXXX   and XXXX are reporting correctly with my scores in the 800 's.  However, since this other person has late payments on an existing mortgage loan, I was denied and I feel that I am being held hostage by the misreporting. 

This ongoing situation and being disregarded and ignored by Equifax has cost me not only financially, but emotionally and physically as well. All that I am asking is that someone takes three seconds out of their day to see that the name and social security number listed on my Equifax report is NOT ME and remove them and all other derogatory items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had an invitation from Bank XXXX for a free membership to my Equifax account. Even I set up my account properly, I got the same message as " we are temporarily unable to complete this request ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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:
The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I live in Washington, D.C. and own a rental property since 2003. Since that time, the mortgage has been sold numerous times. It is now owned by a company called : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number XXXX I have never missed a payment on this loan, I'm an excellent customer with a credit score ( mid 800s ), I  know this because we bought a car two weeks ago. Now, here is my complaint, each time a loan is sold it's incumbent upon me to set up a new UserName and Password and get used to dealing with a new company. They try to make it seamless, sometime it is, other times it is not. It appears, based on a recent series of letters that XXXX XXXX, now has a business partner called Loancare, a XXXX XXXX to help manage the loan. As of late, I have been getting threatening letters that I need to show " proof of insurance '' otherwise, they will buy me property insurance. Mind you I have owned this condo nearly twenty years and numerous times over the years have turned over a copy of the Condo Board 's Master Insurance policy. Per DC State Law, it's not required they I have another insurance policy for " inside the apt '',  but I do in fact, have additional insurance. After getting these harassing letters, I had to locate copies of both polices and send them to Loancare, so they don't buy me insurance. Mind you, I have no idea if Loancare is even a legitimate company, this is all very confusing to the consumer. But to avoid them buying me insurance I quickly located these policies and uploaded them to Loancare 's portal. Now, as soon as that process is complete, I have yet another letter from both XXXX and Loancare saying my payment is late. Mind you, I have had this loan since 2003 and it's on auto-pay, so I have no idea why this is occurring. If I try to call XXXX XXXX or Loancare the wait time is 30 minutes. This feel likes harassment and honestly I'm not even sure if Loancare is a legitimate company. Here is the Loancare info : Loancare, a XXXX XXXX XXXX XXXX, Virginia XXXX VA XXXX The customer service number is XXXX ; Collections number is XXXX Please look into these companies and into this business practice. I'm not sure if they are fraudsters, or just have terrible customer service. This just doesn't make sense, and I shouldn't have to spend time on something that should be so seamless, especially as a good customer. Thank you for attention to 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 2021-06-22
Company: EQUIFAX, INC.
State: CA
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:
There are XXXX inquiries on my credit report that Equifax and XXXX are reporting that are not mine I have not approved submitted or signed for any of these and I dont know how these appear on my report XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - Inquiry date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had wrote a previous complaint ID # XXXX and I am supplying you this CPA Letter showing you XXXX XXXX so you could send me the remaining balance of {$22000.00} via check that is rightfully owed to me. I also included a Schedule C form displaying how my taxes are filed I sent this via email to XXXX This is a loan from the government that I have to pay back and these crooks are unlawfully trying to take my money. I will not do business with Chase ever again in my life. I will file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 I paid the balance off on an American Express Credit card. The payment was received before the the due date and I closed the account. I have had a lot of trouble with American Express and decided to just cancel the account and pat it in full. I just received another statement for information interest. I called and customer service explained that it was interest on the account from the time it was mailed until I paid it. I explained that I paid it online and the amount at was paid was the total amount of the statement. This is ridiculous, I have several other credit cards and when they are paid in full on time, there is no interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Commonwealth Health Corporation
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited the XXXX XXXX at XXXX XXXX around XX/XX/2017 and paid cash for services. I have contacted the doctors office and they have confirmed that I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: OpenRoad Lending
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:
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX   that I have an outstanding balance with XXXX  Apts for {$2600.00}. I have spoken with the manager at XXXX apartments, XXXX XXXX- ph # XXXX, and she tells me that I resolved my balance with their community. I have explained this to IQ Data Systems, but they are telling me that they will not take this collection account off of my credit report unless I pay them {$2300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I am disputing methods of verification for a bankruptcy listed on my LexisNexis report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from LexisNexis at XXXX XXXX on XXXX  who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed LexisNexis does not and has not verified information in my file. LexisNexis sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but LexisNexis believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by LexisNexis.

Company response to consumer: Closed with explanation