BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Filed disputes with transunion and XXXX in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX.On XX/XX/2020 I mailed off a copy of my ID and SSN Card and dispute for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are XXXX XXXX follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have my own health insurance more than 2 years. But this account billed me ambulance charged {$1300.00} on XX/XX/2020. I called Experian twice to explain and disputed this wrong account. But unfortunately they didnt nothing with me.

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 2020-08-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
All 3 credit reporting agencies, Experian, XXXX  and XXXX  are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: 360 MORTGAGE GROUP LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with this company ( 360 Mortgage Group ) was paid in full on XX/XX/XXXX. To date, I have not received the escrow funds due to me. I have called on numerous occasions, only to receive the " run around. '' I was told the check was issued on XX/XX/XXXX ; my first call to them was on or about XX/XX/XXXX. At that time, I stated that it seemed a bit odd, that I still had not received the check if was issued on XX/XX/XXXX. They told me they were not responsible for the delay of the mail service. I asked if the check could be stop paid and reissued. They stated they would have to give it at least two weeks after the issue date in order to stop pay, which would have been XX/XX/XXXX. Again, I called to inquire only to be told they couldn't stop pay it until XX/XX/XXXX. So, as of today, XX/XX/XXXX, I'm still waiting to receive my escrow refund. I asked if they could over night it as a courtesy ; they stated " yes ''. However, when I called back on XX/XX/XXXX to advise that I did not receive an overnight package ; they stated, " they put it in the mail. '' Please help me in receiving my escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
These account are not mine which are listed in my attachments. I've been reaching out to the following companies. These things are completely affecting my scores.

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2020, i ordered a replacement debit card. On appx. XX/XX/XXXX i went online to my account to see if I can check status of the debit card and came across my balance being less by {$3300.00}. This red flagged me because I didn't have a card to access any money in the account. I immediately contacted capital one customer service and told the i did not receive the card, and that the transactions weren't mine. The transactions occurred in XXXX, NY i was advised and i do not go to XXXX. The tranactions were on XX/XX/2020 an ATM withdrawal for {$800.00} and for {$360.00}. ON XX/XX/2020 the same. {$800.00} and {$360.00}. Also on the XXXX a money order was purchased at the post office for {$1000.00} plus a fee of {$360.00}. Customer service opened one claim for the ATM withdrawals ( 4 ) and one claim for the USPS transaction. On XX/XX/2020 i received a credit for {$1000.00} and on XX/XX/2020 i received a credit for the ATM transactions. 

On XX/XX/2020 the credits were reversed by capital one. WHY???? I never received my card. Capital one states i activated my card. I did not. I never got it. Also, I gave capital one the letter that I received from the USPS that on XX/XX/2020 a thief stole mail out of the mail carriers wagon for my zone. They notified all the afected addresses of the theft. I also submitted a police report. 
Capital one closed my cases and basically don't care. 

The major problem here is that CAPITAL ONE let someone activate my card, NOT Me and gave access to a thief. So closing my case to run away from a bank mistake is not the right way to go. 

i can supply the phone bill with all calls printed showing no call to capital one. i also gave capital one the letter from the usps and the police report and they refuse yo open the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
LexisNexis and XXXX are reporting false information that should be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: NV
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 is not my account. Please remove it.

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 2020-01-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Progressive Management Systems stating a debt had been assigned to them XX/XX/20. I received it mid XXXX and in less than 30 days of receipt I sent a letter stating I dispute their claim. 

I sent them a letter in writing disputing their claim via certified mail the next day, well with in the 30 days of receipt. 

I just received a notice that it had been added to my credit report with XXXX. This debit is properly disputed and should not be reported as such as this is not correct info. 

The company has never called me and has not supplied any data in response to my letter before they decided to tarnish my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
I HAVE LOOKED OVER MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES AND ALSO FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES AND NEGATIVE ACCOUNTS HAVE CAUSED SO MUCH HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA WHO WAS ABLE TO DO THIS AND HOW IT WAS DONE. I AM CERTAIN THAT THE INQUIRIES AND NEGATIVE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. MY CREDIT HAS BEEN DAMAGED BY SOMEONE WHO STOLE MY IDENTITY AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES.

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 2020-05-29
Company: The CMI Group, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I didn't authorize the XXXX transaction after capital One Bank declined the transaction on multiple occasions due to the credit limit. 

The transaction is a violation of the Fair Credit Bill Act and is a fraudulent transaction without my permission after multiple transactions were declined by Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a checking account with Citi under my social security around XX/XX/XXXX. I spoke to Citi and they said they would close and flag the account and investigate the fraud. On XX/XX/XXXX I received a letter saying that {$45000.00} was transfer out of my account. I have not activated this account nor have I put money in it.

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 2018-03-31
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XXXX  2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account of XXXX was delete from the credit report in XX/XX/XXXX and re appears in XX/XX/XXXX. 

I dont recognized the Inuiries of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 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 explanation
Consumer complaint received 2020-01-30
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Although it was understated and proven fraudulent, XXXX  inquiry is STILL on my report. XXXX has not heard from me since approximately XXXX of XXXX when I specifically told them I was canceling my insurance because I felt they were overcharging me. ( I disputed this debt but am unable to see decision on my XXXX   acct and don't understand the wording next to it on my credit report ). However, they have UPDATED the account to XX/XX/XXXX, though they've NOT heard from me! XXXX SHOULD BE INVESTED BY FBI!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.

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 2020-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I deposited a check through the mobile app, actually 2 checks, and they closed my account both the savings and the checking, when I recieve my money I dont recieve the amounts of the two checks, I go to the bank I they say they are going to hold the money until the person who wrote the check comes to a BRANCH, this person is outside of the Country! And he cant come in!, He made The manager of his Bank, make a letter confirming he was the one making the check so please release the funds, and they havent done any of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to Convergent Outsourcing representing XXXX because I found them listed as a collections accounts on my credit report. After speaking with a representative, we agreed to a settlement for a percentage of the total amount they stated was owed, to which they shared that the debt would be deleted. I paid the balance that same day, XX/XX/2020. I followed up with them a few days later to confirm when and how I would be receiving the letter confirming the deletion. I was then told that they do not delete accounts from the credit reports. They mislead me to in order for them to receive a payment from me. I spoke with multiple supervisors who explained they couldn't do anything for me, " Maybe I should have paid the whole balance ... ''. They were extremely rude and condescending. I contacted the original creditor as well ( per Convergent 's recommendations ) and they stated it was not in their power. I was LIED to, this company did not honor their word and deceived me in order to get my money.

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 2020-08-25
Company: EQUIFAX, INC.
State: NV
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 multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of identity theft due to a massive data breach via XXXX and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer 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 2020-08-25
Company: Sterling Infosystems Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Sterling Infosystems has mad inaccurate information for my background check. Both times I was involved in a class-action lawsuit due to the erroneous information on my background and credit file. 

The company used someone else background with the same name and birthdate as mine. This person has a record and I was unable to obtain employment by United States Postal Service due to the wrong information.

Sterling Infosystems Used my background from 8 years ago. With a perfect record to tarnish my name and used me to not obtain employment with a top University.

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