BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
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 couple of collections 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 {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$63.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 Cavalry portfolio services called asking for my father, do I know this person ect. I said I did he was my father, they hung up on me. My father died last month. I phoned them back XXXX which is the number that called. I asked why they were calling me about my father. I said he past away, they said you need to send us his death certificate now. I don't know who would be doing this, is it a scam? I told them never to call me again and then they asked for my number,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: ID Analytics, 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: Account information incorrect

Complaint:
I went to purchase a vehicle and needed a car loan. I received a letter from XXXX XXXX   after I purchased my vehicle. They informed me by letter that they turned me down because of my credit report from SageStream LLC giving me a score of XXXX. 
They also informed me that my score from XXXX was XXXX. Much higher than SageStream. My complaint is not with XXXX taking Sage Stream over XXXX  my complaint is they are taking a consumers information acting as they are a reputable credit reporting agency. When I called to talk to them about it all you get is a recording to go to their website. I am concerned that a non reputable company is allowed to have a consumers private information and are falsely misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-04-29
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a derogatory mark on my XXXX  and XXXX  credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without know knowledge of this account. I've proof of account showing deleted and reappearing. 

CAINE & WEINER COMPANY INC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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:
I have contacted the creditors below and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-06-24
Company: EQUIFAX, INC.
State: TN
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 contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to me being a victim of identity theft. I was first given the run around about my documents then was told you call in 7 dats to have this items removed immediately. I contacted Equifax on XX/XX/XXXX to confirm receipt and get issue resolved but the rep told me it would take 30 days. I initially filed the dispute on XX/XX/XXXX and uploaded my docs on XX/XX/XXXX. The rep stated the system open another dispute so now I have to wait until XX/XX/XXXX for the dispute to be resolved. This is ridiculous! I sent in my documents and provided my confirmation # XXXX which was my first and only dispute. Equifax needs to honor my original dispute and not try to push my dispute back another 30 days due to system error. The rep XXXX stayed she sees the documents but can not add them to the initial dispute even though she sees I added the correct confirmation #. This issue needs to be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the accounts XXXX XXXX XXXX , XXXX and 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 2020-04-29
Company: Experian Information Solutions Inc.
State: NJ
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 2019-06-24
Company: Risecredit, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to add to an existing complaint. Complaint No. # : XXXX. XXXX XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CITIBANK, N.A.
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:
I have reported 5 times that the accounts from XXXX XXXX XXXX, Best Buy/CBNA AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX  XXXX XXXX checking account. Everything else is False and my parents tried to open in 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 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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 ( XXXX XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX Mastercard account reporting on TransUnion and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.

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 2019-06-24
Company: WELLS FARGO & COMPANY
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan account was transferred to a higher education government student loan official at which Wells Fargo has yet to provide the credit bureaus with accurate information regarding said loan. These accounts with Wells Fargo were close in XX/XX/XXXX since then the accounts were brought current and have been paid off since XX/XX/XXXX from here I first reached down. To get this corrected in XX/XX/XXXX at which point I was told XXXX XXXX XXXX through the government would needed to be contact to get the issue resolved I have reached out to them and again was told that Wells Fargo needed to correct the situation. I again try contacting Wells Fargo in XX/XX/XXXX and they stated the same thing the higher education services would have to take care of the reporting to the beauers. Government officials have the current loan payments and payoff information reported correctly on their side. I've disputed these accounts multiple times with no luck and getting it resolved so in XX/XX/XXXX I began to research XXXX XXXX XXXX could you help me correct my credit reports the fees associated with the law firm Are {$110.00} a month until credit report are up-to-date into my satisfactory they have no way of knowing exactly how much it will end up costing as it is a month to month fee with this being said I again reached out to Wells Fargo on XX/XX/XXXX and again explain the situation and they Place nothing but blame on the most recent agency that held the accounts for my higher education! It is very clear on my reports to whom is at fault on these loan documents. I would like some serious investigation done without having to cost me any additional fees or headache

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 2019-06-24
Company: Activehours
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Hello, I was not able to provide a lot of information on the company I am filing a complaint against ( Complaint Number : XXXX  ), because I was not able to find anything on the company, but thanks to the XXXX  XXXX  XXXX, I have found their alternative company name, the owner of the company, and the address of the company in question : XXXX XXXX or Activehours, Inc. 

Business Details Location of This Business XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX   File Opened : XX/XX/XXXX Years in Business : 5 Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 150 Alternate Business Name Activehours, Inc. 
Business Management XXXX XXXX, CEO XXXX XXXX, Vice President of Customer Service Attached is a Word Document & the PDF version of my bank statements regarding the previous claim # XXXX-XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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 have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXXXXXX XXXX XXXX XXXX  card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXX stating my account has been paid on time and in good standing.

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 2019-06-24
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In around 2010 I started a phone line with XXXX. I was unable to pay the final balance and was recently reminded by a letter over 8 years later. There is a derogatory mark on my credit report through XXXX  which was from about 8-9 years ago now. I never received this information until recently and though it is still owed this should have fallen off of my credit report by now. I recently had to pay medical bills and pay all of my credit cards on time but this derogatory mark is making it hard for me to really improve my credit. I will continue to work to pay this old balance off but until then it is hard for me to get a good credit card or even an apartment lease. If XXXX would remove this mark from my credit report it would allow me to take the next steps in improving my credit and paying off all of my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account with TD Bank shows TWO withdrawals that I didn't make : {$380.00} XXXX XXXX  on XX/XX/2020 {$800.00} XXXX XXXX   on XX/XX/2020 I w

ent to the Bank and reported a claim for this, the bank sent me 2 letters stating that they have completed the review of the complaint and the investigation determined that fraud did not occur. This answer is because the bank is saying that the PIN number was used on both withdrawals. I insisted that I didn't make those withdrawals and they sent me to the police. I went to the Police station and made the report, unfortunately the bank couldn't give me the exact location of the ATM where the money was withdrawn  from for both transactions, they only gave me one location where the {$380.00} was taken from, without the exact location of the other withdrawal of {$800.00} the police can not investigate or get videos. The police said that the bank should be the one investigating all of this and try to locate the videos from those ATM machines since I am telling them that I didn't do the withdrawals or that I didn't authorize them. My card was lost that day and obviously someone had access to it. I need to know who took money from my account specially since the bank is saying that they used the PIN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my house in the XXXX XXXX. Bank of America is holding over $ XXXX that I need to rebuild my house in an account. My property is worth well over {$3.00} XXXX. I have contacted Bank of America over a dozen times asking them to release the funds. The have sent out an inspector XXXX times to verify that the house is being built. They refuse to release any money except a small amount that was being held over the mortgage loan balance. My house is now XXXX finished and I need the balance they are holding to finish the house. We were underinsured and we have used the balance that the insurance company gave us all ready. Bank of America is acting in bad faith. At this point they should have released at least {$300.00} XXXX They refuse to release anything. The are too big and powerful. I can not afford to spend the money to hire an attorney. I can not fight this bank on my own. I would greatly appreciate your help 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 monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ( XXXX XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
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