BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-08-03
Company: National Collection Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contacted the company numerous times pertaining to a collection thats reporting on my credit report. Ive requested that they send documentation validating the debt that is owed and theyve failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
On XX/XX/ I noticed misinformation on my XXXX XXXX account in the amount of XXXX I called XXXX XXXX and they told me to it would be updated immediately as of today XXXX XXXX XXXX this issue has not been resolved I have been unable to get answers from XXXX XXXX and it is costing my credit score to have been dropped XXXX points XXXX XXXX is not cooperating to have this information updated on my credit report 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 2018-10-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : 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 to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX  XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XXXX  balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my XXXX Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL 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 2019-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I got charged a XXXX dollar return fee in XXXX. Because Bank of America approved a big transaction which is XXXX to make my account become negative status. But when I opened that account. I already choose close overdraft function which is no one can take my deposit if my deposit not enough to withdraw. So I called Bank of America rep. They said they will waived that fee because this is my first time. But I need to deposit enough money to make account has enough money. It is weekend. I can not transfer that money during the money. So I called them next week during business day which has enough money in my account. But their manager XXXX is very rude to me. She changed her mind. She said she can not refund the fee for me. They promised they can refund my money. They should honor it. If they did bait and switch every time. How can they let customer trust them in the funture.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2023-05-16
Company: MECHANICS BANK
State: AZ
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:
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

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 2020-11-25
Company: BARCLAYS BANK DELAWARE
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:
I received an alert from my bank that my credit rating changed. I looked at my report and saw there was a drop of 104 points from XXXX to XXXX on my credit score. The statement showed the negative report came from XXXX XXXX Barclays Bank Credit Card. I placed a block on my Barclays XXXX XXXX  credit card back in XX/XX/2020 during the Covid Pandemic. On XX/XX/XXXX XXXX  Yearly Plan my security system charged Barclays credit card for {$90.00}. I contacted XXXX XXXX and advised them on XX/XX/2020 that this charge should not have gone through because the card was blocked. XXXX indicated they would reverse the charge and put the charge on my XXXX XXXX XXXX. XXXX  I found out today only credited back to Barclays {$82.00} rather than the {$90.00} stating that it was prorated for two days. I never once received a bill for {$7.00} which now turned into XXXX. XXXX XXXX sent me an email verifying our conversation on XXXX XXXX, 2020 which I will attached below. Also, I spoke with a supervisor at BarclayXXXX who apologized for the error stating " I see you spoke with an agent in XX/XX/2020 and requested to have your card blocked '' she further states " we are sorry for your inconvenience and will notify credit agencies on XX/XX/2020 to remove the negative report. I said that's much to long to wait. XXXX the supervisor said " we only report to credit agencies once a month ''. I am so upset I have never been late on a payment my entire life and to have my credit score drop 100 points for Barclays error is horrible. Please rectify this error as soon as possible. Thank You, 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 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, experian was sent letters by myself to remove 1 account with inaccurate data across all 3 reports, they have since after receiving the letters updated all 3 reports with more wrong information and all 3 reports are still mismatched one showing charged off one showing open with no balance one showing a balance and open all 3 have wrong opening dates, last payment dates and last reported activity dates another, another account i asked about to be removed due to also has wrong dates balances and last time paid and the account is paid off and not reflecting on any of the 3 credit reports this is making it hard for me to obtain a mortgage due to this inaccurate information i have asked to be 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 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported

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 2020-10-18
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
received this united consumers inc in the mail today, never received any medical treatment at XXXX emergency physic, and dont why im being billed and or this collection company is mailing me this debt bill. 

I am XXXX percent totally permanent XXXX veteran that all medical bills and services at XXXX XXXX XXXX outside of VA Hospital has been approved by the VA sent to Veterans Administration. XXXX XXXX XXXX knows

to send all medi cal bills to Veterans Administration. please investigate

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 2023-01-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As per the FCRA RIGHTS FOR VICTIMS OF IDENTITY THEFT " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed 3 to 4 dispute letters to Capstone Credit & Collections LLC, via certified mail asking for them to provide me with debt verification in the form of, an apartment application that was used to open an account with Capstone Collections or the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX. I was told by XXXX at Capstone Collections that, " they do not have the apartment application on file to send to me for verification. '' However, Capstone Credit & Collections has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of my rights under the FCRA! Capstone Collections is claiming I owe them {$2900.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! The information Capstone Collections sent to me was of a very old copy of my driver 's license and an apartment lease, however this does not prove, nor establish the debt belongs to me, because I have lost my license several times in the past and also the lease does not have my social security number, nor my signature printed on it. For this reason I am requesting that Capstone Collections send me the apartment application so that I may trace how this account was opened? Capstone Collections refuses to send me the application, which the FCRA laws state I have a right too, in order to validate the debt! Capstone Collections has also refused to send me proof this debt is not beyond the statue of limitations, refused to show me proof they are licensed to collect in my state of FL,  and refused to provide me with their license numbers and name of their Registered Agent or Agent of Service that I requested in writing from them on XX/XX/2020. Please have Capstone Collections to follow the FCRA and send me all the information that I requested, as well as the application or signed contract that shows how the account with XXXX XXXX XXXX XXXX  was initiated with my social security number. If Capstone Collections can not provide me with this proper verification ( application ) under the FCRA, then please require them to repair the damage they made to my credit score by reporting this debt to the Credit Bureaus as " NEVER LATE, NEVER DELINQUENT, '' and then have them delete this erroneous debt from my credit files!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX Account Details Account status Closed Type Mobile Home I have never had a mobile home nor manufactured home. This account is not mine

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 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I attempted to make a transaction for 4 tickets to the XXXX XXXX XXXX preseason game. I found a seller on craigslist who directed me to XXXX to make a transfer. I made the transfer of {$160.00} and subsequently discovered that the tickets did not get sent. I attempted to reach out to the seller via text and calling him at the number he provided and received no response. 
That same day, I attempted to reach out to Bank of America and they were unable to assist in providing any sort of protection or refund. Upon further review, it appears that XXXX does not come with the same sort of backing that a company such as XXXX has. My complaint is that the partnership between Bank of America and XXXX is very misleading and does not give adequate, consumer-friendly expectations that XXXX is unsecure and rife with scammers. There is no built-in infrastructure to deter fraud and the fact that they are in partnership with Bank of America and other big banks lends credence to the idea that XXXX is a credible, reliable and trust-worthy means of making transaction. Clearly, this is not the case.

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 2023-01-10
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 value you setting aside some XXXX  to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: CO
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 Experian consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.

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