BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
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:
Multiple accounts that are incorrect are reporting on my credit reports 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 explanation
Consumer complaint received 2020-05-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new debt has been reported on my credit report that does not belong to me by a company named Commonwealth Financial Systems. The amount of the debt is {$1200.00} for a debt owed to XXXX XXXX. This is not my debt. I incurred these expenses in XXXX due to an emergency room visit for a worker 's compensation claim. This debt is the responsibility of my prior employer XXXX XXXX of Texas. I had health insurance at this time that would have covered the expense had it not been a worker 's comp claim. My health insurance was not taken by the hospital for this reason. This debt was previously owned by a different 3rd party collection agency, XXXX XXXX who also reported this debt on my credit. I submitted a claim to CFPB in XX/XX/XXXX and XXXX XXXX removed the debt from my credit report and closed the account however it appears the debt has now been sold to a new company who is reporting the debt again. I am not responsible for this debt and it should not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
TD Bank discriminates based on Race. Despite opening similar credit cards at the same time, both linked to a joint checking account, my husband ( XXXX last name ) has received multiple credit increases automatically, while I've never received a single automatic increase. In fact, when I requested one, I was given an increase of XXXX . 

All this is despite the fact that I have a higher FiCO score and a higher paycheck. 

Literally the only difference between us is that I have an XXXX last name and he has an XXXX one. 

I contacted the bank and got a run around. I was basically told to call a different department and request a credit limit increase, something that my husband had never once had to do. They are attempting to hide behind late payments. Which is ridiculous, since we pay the bills for both cards almost concomitantly. In any case, that would not account for the disparity at this point ; which my husband at XXXX limit and me at XXXX ... 

That's the subtle way that financial institutions continue to discriminate against customers of XXXX decent. I can provide documentation in the form of both accounts for a comparative analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re : Account Number end with XXXX Case Number : XXXX Capital One closed my dispute case and did n't ask me the same information they needed from my account Dear Sir or Madam, I 've made a dispute with Capital One credit card with the amount of {$270.00}. The credit card was charged by XXXX XXXX XXXX on XXXX XXXX, XXXX. I made the dispute because I went to the clinic with pain and swollen, the doctor checked my teeth and said he could n't find my root canal but they swiped my credit card for root canal treatment. I still felt pain afterward and after a month I finally got XXXX Dental Center to do the root canal. Capital One sent me a letter indicated that they want me to provide additional information about invoice or agreements but it was very frustrating because XXXX XXXX XXXX did n't provide any estimates, agreements or contracts to let me review or sign at XXXX XXXX, the date I went there. And I 've never agreed with any prices and never sign for any credit card receipts. 

Capital One rebilled me and sent me a letter and ask me about sales invoice or purchase agreement, from my understanding, the agreement or invoices should be provided by the merchant, and I 've never received one. I faxed the receipts I got on XXXX XXXX and I called Capital One again, they said they need to have " Second opinions from a professional specialist with a letterhead '' and they already closed my case.  They should provide a letter to me when they need this information but they have never asked me to and the letter they sent to me was the letter to ask for invoices and agreements. And that 's also the information not from my end, they should investigate the merchants, because they did n't give me one. 

FYI, I called Capital One again today ( XXXX XXXX ) The name of the agent is XXXX, Agent ID XXXX, she asked me to provide the second opinion from another dental specialist but she  also agreed that it was not the information which Capital One Dispute Department asked me to provided. But they already closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on. my credit report, it has been well over 30 days and haven't received any investigation results.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.

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 2020-02-08
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX Federal Trade Commission Consumer and Governmental Affairs Bureau Consumer Inquiries and Complaints Division XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX Re : XXXX XXXX Plus Four ( Refuses to accept any correspondence or delete the discrepancy ) To whom it may concern : I am respectfully requesting an investigation be initiated on my behalf on the above-mentioned company, specifically Plus Four Inc. I have on numerous occasions sent correspondence, thus was refused by Plus Four Inc., made phone numerous telephone calls to both of the named companies and they continue to report false information on my credit profile. 

I have been continuously harassed by this company as they are trying to collect on a medical bill when I had medical coverage on the dates of services they have provided. My Health Plan Insurance provider has also been in contact with the initial medical provider, and thus as per the attached correspondence the medical provider has noted a {$0.00} balance on my account. 

Plusfour has been notified on several occasions from the original creditor to delete any and all discrepancies and they have refused to do make ti proper corrections/deletions to date. 

Although, I have continuously informed the referenced collection agency of this they continue to harass and demand payment and refuses to accept any of my written correspondence or the direction from the original creditor, XXXX XXXX. 

I have also written all three credit bureaus, and XXXX, has been the only agency that refuses to accept my evidence and delete from my credit profile. 

I am hopeful that you can assist in getting this resolved and removed. I thank you for initiating this claim and taking the time to assist me in rectifying this issue. I would also like to initiate and exercise my rights to collect the fees ( {$1000.00} per occurrence ) as per the FCRA of not removing when I first requested on XX/XX/2019. 

Regards, XXXX XXXX XXXX cc : XXXX XXXX PlusFour Inc. ( Refuses to accept any correspondence )

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 2023-02-27
Company: Experian Information Solutions Inc.
State: OK
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2020-12-07
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 is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-07
Company: EQUIFAX, 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:
On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an Equifax Data Breach. I demand to Delete those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Klarna AB
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already filed a complaint against this business and nothing happened! They continue to send me email traying to collect a debt that is not mine! I called them today, spoke to XXXX and she refused to remove my email address and refused to transfer me to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a dispute to XXXX XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please delete and block the accounts listed for XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Selene Finance LP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to have a letter of reaffirmation put into my current open bankruptcy case. My current mortgage is with XXXX XXXX. The problem is is I have been attempting to have this letter of reaffirmation sent to my lawyer since XXXX XXXX. I 'm hoping that filing this complaint will expediate the process so I may close the case because this is the only thing that I 'm waiting for to close the bankruptcy case. I have been told on many occasions that I will be contacted, I will be emailed and I will have my phone calls returned none of this has happened! It is of paramount urgency that I get this letter of reaffirmation put it in my file before the courts decide to close the case without it. If that happens, I will have to pay re-opening fee to have the letter put into my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wakefield Associates call constantly for XXXX XXXX and I have worked out a payment plan with XXXX directly I have been making monthly payments accordingly Don't understand why they can continue to harass me Calls are coming in as early as XXXX and as late as XXXX Explained I am on a fixed income ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is about 3 disputes, which the credit card company wrote to me about, but which the company can not tell me about when I call them. There are 2 parts to the complaint : 1. I do not know what these complaints are and I can not talk to the company about them because, when I call, they have no knowledge of them. 2. The company is wrongly applying consumer law to the transaction date. BACKGROUND : I am an American Express XXXX ( black card ) member and for this privilege I pay an annual fee of {$5000.00} - the fee is just for the card. I have been an American Express " member '' since 1983. American Express sent me 3 letters concerning disputes. None of the letters describe the disputes - they have only a dispute number on them ( see attached ), which requires me to call them to understand the letters. When I called today I was on hold for 25 minutes and finally spoke to a supervisor. The supervisor told me she could not tell to which disputes the letters referred and she could not help me. Each letter says my claim did not fall within the 60-day period so the claim is being denied. I believe these disputes may relate to 3 charges from airlines - but I have no way of telling for sure, because the card company can not find them. If the letters do refer to 3 airline charges, these were airline charges for future travel which has now been canceled by the airline, not by me. Thus the charges were for services not received and which will not be received and should be refunded. The card company is wrongly applying consumer law. The date of the transaction is the date of travel - not the date the advance charge for services appeared on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: LA
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 have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NJ
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 following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 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 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 2019-04-10
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:
XXXX HAS PLACED AN ACCOUNT UNDER MY NAME UNDER MY CREDIT REPORTS ( EXPERIAN. ) please i need your help to have this inaccuracy removed from my credit file.

i will be attaching the FTC report that shows i had been a victim of ID theft.

please have this fraud account removed from my credit file.

thank you

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 2020-09-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with XXXX and Equifax. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent XXXX a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, XXXX tried to make a {$25.00} payment on said debt without my authorization.

Company response to consumer: Closed with explanation