BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
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 Apr XXXX, 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, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -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 2022-03-14
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a collection from Credit Coll where it said that it was opened on XX/XX/XXXX and last activity was on XX/XX/XXXX with the account number XXXX where i never had any written contract or any account with this company with a debt that i didnt owed for XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PARK NATIONAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Guardian finance is still reporting on a account that is closed and should be removed its been 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$28000.00} US DEPT ED XXXX Balance : {$48000.00} DP OF EDUC XXXX Balance : {$28000.00} DP OF EDUC XXXX Balance : {$48000.00}

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 2022-03-14
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 the citi cc service said I can't use my new cc, they can't verify my info asking for others cc info. They won't Close my cc because they are mailing me something they are still charging me for information they can't verify.

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 2017-08-31
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: Account status incorrect

Complaint:
On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXX with any advice you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: OH
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX there is some inaccurate information reporting. XXXX  XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2018-06-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was charged a {$6.00} " late fee '' for the month of XX/XX/XXXX, even though I paid my bill for the month of XX/XX/XXXX. When I called, the 1st agent told me the system was down so, XXXX couldn't see my account. So I hung up and called back immediately, I spoke to XXXX who then lied and said that I didnt pay in XX/XX/XXXXdo that is why in XX/XX/XXXX i'm being charged a 'late fee '' however I have records proving that I paid the XXXX bill right after the billing statement was sent. XXXX then hands the phone over to XXXX who then say that XXXX " misspoke '' and that the " late fee '' was because the XX/XX/XXXX payment was late. I further explained to him that ALL of my loan payments have been late and they have NEVER added a late fee because I always paid by the XX/XX/XXXX of the month. XXXX then tells me that it is company policy that after 10 days a late fee is added. I asked him where on the billing statement does it say that policy and where on the website does it say that policy? He says its on the website and " is basic knowledge '', I then ask him to tell me exactly where it says that " basic knowledge ''. After further review he comes back says it's not on the website and it is not on the billing statement but then says that on the billing statement that a late fee MAY be applied. However i explained to him if that was the case then there should've been a late fee every month because I've never paid the bill on time. His only explanation is that it was late so they added a " late fee '' even though it has always been paid late and never been given a late fee until now. this company has unwritten policies unbeknownst to the people they are billing and they are making up rules when they feel like to people they want to XXXX over. Also they generate their bill statements inconsistently. the bill statement for XX/XX/XXXX came 1 week before the bill was due and the bill statement XX/XX/XXXX came 3 weeks before the due date. Also the billing statement says it was generated on XX/XX/XXXX yet it says its 15 days past due. a bill CAN NOT be 15 days past due if you generated it on XX/XX/XXXX. They are liars and scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXBalance : {$630.00} XXXXXXXX XXXX XXXX XXXXBalance : {$630.00} XXXX XXXX XXXXBalance : {$780.00}

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 2017-06-19
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:
I am a victim of identity theft, dating back to 2009. I have extended fraud alerts and security freezes on all 3 of my credit files. I have made efforts to clean up any fraudulent information on my credit reports by sending  in copies of my driver license, social security card, police report, personal information update documentation, and 609 letters. XXXX XXXX and XXXX are no longer reporting any fraudulent information. Experian is. I have disputed the negative fraudulent account listed on my report for about 3 years now. They will not delete it, even after sending in all information by certified mail proving who I am and asking for validation of the account in question. They can not provide me any validation or proof that it belongs to me. It does not belong to me. I have never had any contract with 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 2017-06-19
Company: EQUIFAX, INC.
State: NC
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  XXXX   XXXX ,    2017  I contacted Equif ax Information Services re garding the removal of my current mortgage serviced by   XXXX   XXXX   XXXX   from my credit file. I spoke with a representative whom advised that Equifax had rece ived an " Electronic Communication ''  from  XXXX   XXXX   XXXX  to remove the item from their credit reporting. I spoke with  XXXX   XXXX   XXXX  on the same day  XXXX   XXXX ,  2017 , and they advised that they had not sent any communication to Equifax regarding my account and it still should be reporting as usual.  XXXX   XXXX   XXXX  faxed me a copy of the information that had been reported earlier in  XXXX  to Equifax for reporting.     Due to Equifa x Information Services  removing my mortgage from my credit file, my credit score has dropped from  XXXX  to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems continues to call my home multiple time a day in search of people I do not know. I was given my home phone number by the phone company when I moved to this city, and I have no knowledge of the p eople who previously had this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These agencies ( 1 ) XXXX acct # XXXX, ( 2 ) XXXX XXXX XXXX acct # XXXX, ( 3 ) XXXX  acct # XXXX, ( 4 ) XXXX XXXX XXXX XXXX acct # XXXX, ( 5 ) XXXX XXXX acct # XXXX, ( 6 ) Ok student loan author acct # XXXX, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2022-09-09
Company: EQUIFAX, INC.
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i submit my application for a loan modification last week in XXXX and sent all requested documents 2 weeks later in XXXX, but i got and email stating that the one document need to be resent in the XXXX XXXX, which i did the next day only to be told i need to resend it again which i did three times, so now as of XXXX/XXXX/XXXX they have everything that was request but when i call on the XXXX, they still have not obeyed the law according to the homeowner bill of rights and stop all foreclosure action against my property, can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters 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 ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXXXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello, my name is XXXX XXXX. I have attempted to inform Transunion, LLC multiple times about their grave responsibility as a furnisher to ensure they are reporting 100 % accuracy. They have failed and I plan on taking up litigation. I have reasonable cause to believe this information is in fact inaccurate. Please see my response in the document. Thanks for your help in this mediation.

Violation : FCRA section 623 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

i did place an exhibt for you to review.

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