BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX, XXXX XXXX am a victim of Identity theft. a notification of dispute/ as well as FRAUD ALERT based on the information in which is listed on my report was sent to Experian reporting agency. Multiple letter have been sent to Experian to inform them of this matter, in which no correction or remedy have been justified. the most recent being sent XX/XX/2019 tracking number XXXX which included -Passport Card -social security card -Federal Trade Commission Identity Theft report -Victim Information Notice via XXXX Police Department XXXX- Present -Bank statement providing proof of address Based on above documentation I disputed the validity of my report in its entirety, hence this matter is affecting my ability to obtain and maintain credit. there are roughly 40-60 accounts listed on my profile in which i did not authorize nor due any party have a valid contract to list said information. I previously requested validation of all debt in WHICH NEVER HAS BEEN PROVIDED.

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 2019-10-31
Company: JDJ Investments, INC.
State: LA
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:
CBS Collections is reporting 3 chargeoff collections to the credit bureaus. These are all inaccurate. I have no knowledge of any of these and is surely the result of identity theft or erroneous billing. I have disputed this with them through the normal channels and they have failed to provide written proof that they are mine and have not stopped reporting them. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX  1 ) assigned XX/XX/XXXX, from XXXX XXXX Hospital for {$51.00} 2 ) CBS Collections Assigned XX/XX/XXXX, XXXX  XXXX  XXXX XXXX   for {$480.00} 3 ) CBS Collections Assigned XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, {$70.00}

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 2022-10-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
LoanCare was holder of my mortgage during Covid crisis. I was granted Forbearance in XXXX, XXXX, and extended in XXXX of XXXX Credit report showsmy payments as " Late, ' during entire Forbearance period and it is preventing me, as an XXXX XXXX from getting a reverse mortgage. I was told on XX/XX/XXXX, that I would get an email confirming I was o forbearance during that period. It has not been received. Three subsequent phone calls produced 2 results where my mortgage could NOT be found ( LoanCare transferred my mortgage to XXXX XXXX in XXXX, XXXX ) and the third Customer Service Rep told me that the email would be sent and told me it was marked, " Urgent -Rush. '' It was NEVER received ( I also checked in " XXXX '' ). My XXXX Mortgage has been held up another month waiting for this. 

Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-05-18
Company: Cascade CISS Holdings, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex-fianc and I purchased a timeshare when we were together, and we have been separated since XX/XX/2021. I never used the timeshare, but my ex has used it multiple times. I spoke to someone in XX/XX/2021, and they stated that if a get a letter from my ex stating that he will take full responsivities of the timeshare that my name will be removed from it. I did ask they requested, and my name is still on the timeshare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: KS
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:
This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX  and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX  ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX XXXX  DATE XX/XX/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 2021-02-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern, I have been in contact with the credit bureaus concerning an information that is being reporting to my reports. I asked for additional information such as documents with my signatures and have yet to receive any of my request. This is out right unfair and this should not be allowed to happen. I also have requested information from the creditors as well and all I am getting is silence. The last letters were sent on XX/XX/2020 ( certified ) and I have yet to receive a response. The credit bureaus are not in compliance and should be held accountable.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have the Chase Sapphire Reserve card, which has a purchase protection caluse of up to {$10000.00} per purchase ( as seen on page 25 of the Benefits Guide ). On XX/XX/ I registered a claim with them for an item that's worth {$2000.00}. Along with the claim, I submitted the original invoice as well as card statement showing the charge to my account to prove that my card was used to pay for the purchase. I can provide the official claim number if needed. 

Chase asked for official repair estimate. I had a repairperson come and run the estimate, which came to {$160.00}. 

Chase told me that they can only pay up to {$500.00} for the purchase protection because that's what the card offers. When I showed them their own, official documentation showing purchase protection on my card of up to {$10000.00} per purchase, they told me they'd look into it and get back to me. It's been three months, and I haven't heard anything back from them, apart from receiving a check for the {$160.00} that the technician charged for the estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXXXXXX XXXX  {$610.00} XXXX XXXX XXXX {$2300.00}

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 non-monetary relief
Consumer complaint received 2017-01-06
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex husband and I rented a house in XX/XX/XXXX. At the end of the year I signed off of the lease and my ex signed a new lease in XX/XX/XXXX. He accrued many charges for damages and nonpayment. The landlord submitted the debt to a debt collector who in turn reported it to MY XXXX report. I asked for proof and he sent only the list of charges and the lease I had signed in XX/XX/XXXX, which was not applicable to the charges and debt. All parties understand that I am not responsible for these charges and the landlord acknowledged this as well. The original lease is NOT proof that I was on the new lease. The debt collector XXXX XXXX XXXX XXXX failed to provide proof that I was on the new lease and used to old lease to incorrectly 'validate ' the debt with XXXX XXXX This is causing me many problems with rental companies and acquiring loans. I have recently been denied an apartment on the basis that I have too much debt ( this debt ) which is related to a rental property. This is not my debt and needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, XXXX, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-03-31
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX  Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX The status of this account is closed. I paid {$96.00} and its been written off. Im trying to get this potentially negative account removed off my credit report.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX  acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my XXXX, XXXX and Trans Union credit reports despite my CFPB disputes. In fact, on XX/XX/2023, XXXX sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my XXXX and Trans Union reports continue to inaccurately report my account as OPEN.

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 2018-08-31
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I HAD A RESPONSE FROM WELL FARGO ABOUT THE ISSUE OF NOT CASHING MY CHECK AND CAUSING ME STRESS THAT LEAD TO ME HAVING TWIST MY ANKLE, ON XXXX/XXXX/2023 WHERE IN THEY ASK FOR MORE TIME. THIS WILL BE A MONTH ON THURSDAY. AND I HAVE NOT EVEN HEARD ANYTHING FROM THE COMPANY. MEANWHILE I HAVE HAD PAYMENTS DECLINED, PURCHASES CANCELED, ETC. I FEEL THE COMPANY IS AVOIDING ACCOUNTABILITY IN THIS MANNER AS SO MANY BIG COMPANIES DO. THESE ACTIONS HAS CAUSED ME MORE EMOTIONAL DISTRESS AND IS NOT ACCEPTABLE. I ASK THAT THE REMEDY THIS MATTER AS IT IS A CONSTANT ISSUE WITH NOT JUST ME, BUT MANY OTHERS OF XXXX. PLEASE DO NOT ALLOW THIS TO CONTINUE WITHOUT CONSEQUENCES FOR THEIR ACTIONS.

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 2023-02-02
Company: Experian Information Solutions 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:
Experian made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from Experian passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that Experian will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.

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 2019-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off my credit.

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 2023-02-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wanted to open bank account at Truist with XXXX dollars bonus. 
After I filled application, I received a confirmation that account is opened and I have to wait a confirmation in mailbox. At the same time I got account number and promo code after filling application. 
I tried to log in in the bank app and it offered to me to activate my account first by visiting one the branches. I visited a branch and was told that my account is closed and I can be ever their client because it was confirmed that I do fraud operations. And they gave me a phone number for a fraud services. I called this number and they can't help and only recommended to visit a branch. 
I bielive they just don't want to give a bonus. But the way they are working is iterally a scam. Don't recommend their service. And my credit score went down. I never ever had one payment for any of my credit cards. Truist services should be regulated and audited by government

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 2023-03-07
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: Personal information incorrect

Complaint:
Equifax is reporting the wrong address. I've tried numerous occasions and they refuse to remove the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 review new information ( attached ) related to my dispute of XXXX account # XXXX Please delete this fraud account asap.

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 2023-09-02
Company: EQUIFAX, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 response to consumer: Closed with non-monetary relief