BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: LEXISNEXIS
State: WA
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 is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account CONSUMER ADJUSTMENT in the amount of {$150.00} and it was taken off of my report. However XXXX AND XXXX are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX - XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: GVA Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company charged 599 % interest, which my uncle, who is an attorney in Ohio, states is against federal and state law. I have contacted the company several times and offered to pay back the principal only but they just keep saying that they are XXXX owned and not beholden to state or federal law but court cases say otherwise. It seems this company is subverting the law to fleece people out of ungodly interest rates. 

You guys need to act to protect consumers from this shark lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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 information incorrect

Complaint:
i have previously reached out to Helvey & Associates and also XXXX XXXX to correct the account status reporting inaccurate. this account has been paid and it's still reporting derogatory status. this is stopping me from improving my credit scores. i have attached the proof via receipt that this account has been paid XXXX XXXX. 

Helvey & Associates - Acct XXXX - delete this account because account status reporting inaccurate. 

Payment confirmation # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: MO
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'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Employee 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX  {$8400.00} 8 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2018-03-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2023-01-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX is reporting a late payment on my account that is inaccurate. It also has incorrect information reporting. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # 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 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2021-03-31
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Where do I even begin with this process, my new servicer Mr. Cooper just continues to give me the run around. I used to be with XXXX and I was waiting for my modification resolution before my loan got service transferred. Now I have been in limbo for months trying to find out why my lender isn't opening or finishing up this modification review. They were supposed to pick up where my last servicer left of. Every time my counselor XXXX XXXX tries to get an update they give him a different update. One week its under review and the next they said no modification is currently under process. I am afraid that I am going to get a foreclosure sale date because they have no idea what the XXXX is going on with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: C/C Financial
State: PA
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately.

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. 

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.

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 2023-07-22
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Theres an apartment complex that I did not lease, XXXX XXXX, that is in collections. I was in a domestic violent home and left to Nevada XX/XX/XXXX. I have housing voucher papers to prove so. Apartment complex debt was opened XX/XX/XXXX. I believe it may have been my old partner that stole my identity but I am without proof. The complex no longer exists and is not in business but the collection agency is charging interest on the debt. The ordinal debt states {$3600.00}. The new total is at {$4800.00}. I was not sent a lease when asking to verify this debt. They have been sued once before by XXXX XXXX for falsely applying interest in his case and the defendant won against plaintiff IQ Data International Inc. Who is the same collector on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Santander Consumer USA 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: Personal information incorrect

Complaint:
The account shows an address that is not my address. During the time of the account being opened, there was identity theft attempts. I made attempts during the time of the account being opened to correct the address both through online customer portals and with customer representatives, but the correct address was never reflected. The account has since been closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Rodenburg LLP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to fix my credit file and during the process I have made several payment arrangements and settlements with various lenders. I am in dire financial hardship, I have had a job loss as well as a bankruptcy and I am also on XXXX XXXX, making all of my wages and earnings exempt from garnishments. However I have managed to pay everything off except for an unknown account in collections which is listed as XXXX XXXX XXXX. 

This debt collector remains to continually harass me and has recently acquired lawyers to attempt to sue me at Rodenburg Law Firm, specifically XXXX XXXX who has signed all paperwork. I have asked repeatedly for information regarding this account as it may have been included in my bankruptcy or it may have been created in fraud. They have repeatedly threatened me by sating that if I request validation, they will sue me. I have even made 3 attempts in the last year to get this paid by settlement and they do not respond. 

Recently they sent a " Summons for Judgement '' in which I responded to right away however they failed to file the case in XXXX County even after it has been over a week since they served me. This is just yet another way that this company continues to intimidate me into paying something which they know I have been disputing now for over a year. 

I also question if this law firm even has a Minnesota Licence to practice in Minnesota. Do they even have any ownership to this debt? All address on this law firm 's website only show a ND address. The alleged credit card " XXXX XXXX XXXX  '' also does not appear anywhere on my credit report either. 

This feels like fraud and looks like fraud and I am confident that it is fraudulent, I have worked with too many collection agencies ( unfortunately ) and they are normally happy to set up pay arrangements or settle accounts -- -This Company only wants to intimidate me and disclose as little as possible, First attachment is confirmation that I have sent letters to this company - who sometimes calls them self Resurgent? -- Letters were sent XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX. 
( the letter confirmation to XXXX XXXX is not included in this complaint ) 2nd Attachment -- Copy of the letter I sent. This was basically the same letter sent 3 times, explaining that I do not know what this account is but I am seeking resolution. 

3rd Attachment -- Response that I received ( threatening to Sue me, no validation, no resolution ) 4rth attachment -- Finally the summons of judgement that I was " served '' with even though there has been no case filed in Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX decided to contact citi XXXX credit card personnel due to text received that included a Citi Alert TEXT from XXXX that indicated that {$670.00} transaction with " XXXX XXXX XXXX XXXX XXXX XXXX was canceled and won't post to your acct. '' This text was received on Sunday XX/XX/XXXX. I check transactions and the {$670.00} did post but was not removed. Since I had received a previous text from XXXX on XX/XX/XXXX about XXXX that was deemed suspicious since I had XXXX what that XXXX concerned but the XXXX texts were a wash and I did not see that transaction on the citi XXXX app. I thought these texts could be bogus and not from the legit citi so I called to inquire if the XXXX is or is not a legit XXXX digit text number. I spoke to various nonfraud reps including a supervisor and she said she would contact fraud dept and placed me on hold. The call ultimately dropped while waiting. This supervisor indicated that citi texts come from XXXX??, XXXX XXXX dept, XXXX Citi XXXX ; she was not sure about XXXX. She mentioned that there have been many daily reported problems with texts generally. Since there was a disconnect I called the fraud number ; plus I received texts from XXXX " XXXX  XXXX XXXX XXXX fraud dept : WE need to speak to you about XXXX 's card XXXX please call XXXX. '' I called XXXX different numbers to fraud dept, the system did not acknowledge XXXX card last digits, did not recognize cell phone number provided, the automated system kept moving between keypad and voice answers. Ultimately I never received an answer to my QUESTION is XXXX a valid Citi text number??????? Yes or NO???? The fraud dept staff insured that my credit card was locked and I would receive a letter in the mail within 10 days. Citi is extremely willfully, wantonly and knowingly unhelpful ; that is what banks prefer to offer customers. I am the one who initiated the inquiry yet CITI remains NONRESPONSIVE. CITI solution is to LOCK. The fraud employee asked whether there was another telephone number associated with the credit card ; I replied no. Solution is to lock legitimate card holder out from utilizing the credit card normally. Citi staff is unprofessional and definitely prefer not to assist card holder ; the only solution is to LOCK but not provide a clear explanation of their fraud concerns or completely answer customer questions and address concerns brought to CITI 's attention. CITI should have a database that reflects bogus text XXXX digit numbers utilized. XXXX is being utilized by whom as in what entities? I have experienced many unsafe issues with this CITI bank XXXX Credit Card over the years. Apparently citi card is unsafe to utilize and extremely and regularly vulnerable.

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