BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2020-04-06
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX XXXX {$5700.00} XXXX XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: CA
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 not disputed anything since XXXX. I called equifax beginning XX/XX/XXXX to take any dispute information out if credit report as it was keeping me from closing escrow on a home. They started a dispute, exactly the opposite of what I told them to do. I have called five times in four days to get it removed. They still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Stellar Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
stellar recovery inc put the same collection, but a different account number, back on my report that was deleted on XXXX/XXXX/2016 from all XXXX bureau and that account number was XXXX on XXXX XXXX they added the same debt again but a different account number, which is XXXX I was not notified by the bureau that the same agency reporting the same account that was not mine has been re-added but with a different account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Stellar Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Firstsource Business Process Services, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Experian letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Experian refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. Experian provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : File Number Put ACCOUNTS HERE!

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 2022-05-04
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: Personal information incorrect

Complaint:
The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, XXXX, XXXX, & Equifax Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 a account without my written instructions These Addresses do not belong on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employers do not belong on my report : XXXX XXXX XXXX contracting XXXX XXXX contracting These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Capital Accounts, LLC
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX has been trying to get me to pay on debt that is out dated and that has been charged off on my credit. They have been trying to collect on old debt from year ago and now they are making threats to garnish my wages from my job and they have been calling me at work. I do not think this company has a license to collect in the state of XXXX. They continue to harass me with daily calls about old debt that was charged off. Something needs to be done about this company. 

MCM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I contacted Experian on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting Act as to there failure to respond in a timely manner.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2017-05-22
Company: KEYCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity line of credit on  XXXX / XXXX / 17 . Before they pulled my credit, I paid for m y credit score  with   XXXX   XXXX  . My FICO scores came back as  XXXX , &  XXXX . I notified Key Bank to pull my credit and apply on the same date. My loan was declined because m y credit score  was  XXXX . No one can give me an answer as to why there is such a difference on the score, on the same day. Key banks report says that  XXXX  was used for their report. I have viewed my credit report and do not see anything unusual on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. 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 2015-05-06
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have an installment from Check n Go for about XXXX years. I pay every month and if I do not pay I am threatened by not being able to reloan. They charge XXXX percent in California. In order for me to survive I must reloan. I am stuck in a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: WELLS FARGO & COMPANY
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 been disputing all year round and trying to let the credit reports know that certain good accounts are closed due to fraudulent and that I did not closed any accounts that have good standing history, but it doesnt work in my favor. For example, my XXXX account that I used to work for XXXX  back in 1991, most valuable client member, one of my account number that is closed by thief and not by me, but the results are not to my favor, because its doesnt make sense that all of my good accounts are closed in the same year by me. Therefore, the investigation team is not really doing a good job. The second issue that I kept disputing is the wellsfargo  Home Mortgage over and over, but they rather go with the Wellsfargo Bank reporting instead of my disputing fraud reports, even the accounts number isnt accurate from whats my account number is. I kept getting the results back saying their investigation results are accurate and I dont know how they getting accurate information from? I am not being negative about the compliant, I am just trying to be honest from what I know with hard documentations and its my credit report so, I am trying my best to explain. I still have dispute to do, however, I am delay, because now I am homeless and I dont have a decent place and tools for my Identity Theft Victim Recovery process as I am about halfway through. I was asking to write a 100 words to explain and with documents attached to proof and I am just about to get there, however, I dont have any financial help yet. 
As far as Wells Fargo Home Mortgage is the same letters that I kept receiving every month are that they need more time to investigate and the second letter is that they keep saying that their investigation, they do not find any fraud loan from my concerns. The third letter is they keep giving changing to different accounts numbers and start to change to the accounts that I have no knowledge or idea what they are saying.

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 2016-09-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Out of the blue, a negative credit item has appeared on my Experian credit report from XXXX XXXX XXXX XXXX, partial account # XXXX, with the original creditor OHSU Faculty Practice. I have never bought any services from this creditor, nor had an account with this creditor, nor have I any knowledge of this creditor or the original creditor. Apparently it is based on Oregon, where my ex-wife lives. I have been divorced from her for 6 years and she is no longer named XXXX XXXX but rather has the legal name " XXXX XXXX. '' I never agreed to enter into any joint account with her or have any joint responsibility with her. To have this account added to my credit report based on a date opened of XXXX 2010 and a date of status of XXXX 2010 is bizarre. This may be an obligation of my ex-wife but it is emphatically not my obligation. This must be removed immediately.

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 2022-05-04
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Marcus Goldman Sachs state they paid an account ending XXXX XXXX XXXXI have no such account number. I spoke to XXXX I have only XXXX account which was paid by Goldman Sachs for {$640.00}. 
XXXX states they need a document from Goldman Sachs that states the full account number, date it was sent and that it cleared. Goldman Sachs is giving me the run around. Stating they dont have the full account number that it was sent on the XXXX of XXXX. They are not doing anything about this and now I am paying XXXX that was used to pay off account that isnt mine. I am struggling as it is. Unfair practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: JPMORGAN CHASE & CO.
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 was notified by XXXX that Chase Manhattan Bank updated my file with incorrect information on XX/XX/2020. I believe this to be in response to a referenced complaint against a merchant complaint ID XXXX. Chase Manhattan was listed in this complaint as the payment processor and since the filing of this complaint. I have received emails from Chase considered spam. In retailiation for this complaint this has been submitted today causing a drop to my credit score of 93 points. The information previously reported has not changed in six years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the unverified account, AMERASSIST AR SOLUTION XXXX, listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation