BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2021-06-15
Company: McCarthy, Burgess & Wolff, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX XXXX sent me a collection letter ( attached ) offering to settle a bill i owe to XXXX. I have not had an account with XXXX for the past XXXX years and have no outstanding phone bills of any type. 

This is not legitimate as I have an unusual name and there could be no mistake here. This can not be a bill owed by someone with the same name - there is no such person. Searching online, I found numerous allegations that this debt collection company commonly makes false claims and any attempt to contact the company will result in their phishing for more information to attempt to obtain payment or harass people for payment. There are even allegations of them recording calls and cutting and pasting a " yes '' answer to a statement acknowledging the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX  XXXX, XXXX  XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: American Mediation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recieved several calls from American Mediation regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including one that would be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-04
Company: TRANSWORLD SYSTEMS INC
State: AL
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:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report to this new complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: NJ
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 Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a XXXX card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - XXXX {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent unauthorized inquiry as a result of identity theft is reporting to my personal credit report. On XX/XX/2021 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 2022-04-30
Company: EQUIFAX, INC.
State: OK
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 accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian continues to furnish reports on my credit report that i did not authorize. i asked them for a contract between me and them, and a contract between them and the companies that pay them to furnish my information. They've been evasive and have violated the Fcra specifically 15 usc 1681 ( b ), 1681 ( a ) ( 4 ) and 15 usc 6802 ( b ) ( 1 ). 
Also i discharge all debts and under 18 us code 8 obligations or other securities are the obligation of the United States. 
How are they attempting to collect a debt. According to the Ftc section 807, the only people allowed to collect on the Federal Reserve debt has to be in contract with the United States Treasury XXXX XXXX. 
And lastly the report is inaccurate and false reporting is another violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I open a combination of various account in Bank of america in accordance with promotion. However when promotion ended they started charging me unresolvable fee. 
I can't reach there representative because they do not answer phone and not responding to my communication

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX, XXXX  XXXX  XXXX I have contacted my local police and the FTC. I am doing this on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX  XXXX, XXXX  XXXX  XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.

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 2017-04-21
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made a numerous attempts in trying to get Elan Financial Services to validate this debt that they say I owe {$15000.00} On   XXXX   I mailed a certified letter  XXXX  and on  XX/XX/XXXX  and certified mail  XXXX  I mailed a certified letter  XXXX  to Elan Financial services and I confirmed that both were signed for. I requested that they validate this debt that they say I owe and in validating this debt I am requesting competent evidence bearing my signature showing that I have or ever had some contractual agreement to pay. And asking them to comply with the FDCPA if they can not validate the debt then they must delete it. Well they have yet to validate this debt. On  XX/XX/XXXX  I contact  XXXX  certified mail  XXXX  sending them proof that I have disputed this debt with Elan Financial Services but they refuse to validate the debt or delete it. On  XX/XX/XXXX  I got the confirmation of the dispute from  XXXX  #  XXXX  and I noticed that not only did they not delete this debt that they can not verify but they violated the FDCPA by not marking it as " disputed '' within 30 days as you will see on my the attached results. This violation is {$1000.00} in damages owed to me for this occurence

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 2019-12-20
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX  XXXX  said they would delete derogatory now it's on my account different company

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 2021-12-14
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I wrote a contract with XXXX XXXX XXXX but I change me told them to cancel and they didn't. It was free to cancel within XXXX days. I did twice. It was in XXXX. I was living in other places during that time. until today XX/XX/XXXX I'm trying to apply for a XXXX  credit card. I find some dread happened. I got {$7700.00} debt. Clearly, the XXXX XXXX XXXX didn't do their job and without notification. I go back to check email and others. There has no bill from this apt .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
ID theft Criminal tried to open a credit account fraudulently in my wife 's name ( XXXX XXXX. Date XX/XX/XXXX. Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX denied the fraudulent credit card application due to our low credit rating ( etc, ) - thankfully! XXXX XXXX XXXXXXXX sent XXXX a letter about the application denial- reference # XXXX- the letter was dated the same date as the fraudulent inquiry to Experian : XX/XX/XXXX ( XX/XX/XXXX ). Experian now has a fraud alert and account freeze ; XXXX also has an account freeze as of today XXXX. XXXX is closed on weekends! XXXX XXXX XXXXXXXX also has a fraud alert as of XXXX XX/XX/XXXX? XXXX. All these companies are researching no results received yet. 

Experian has wrong information on our credit report. While they correctly noted we have only XXXX active credit cards : XXXX - XXXX balance ; XXXX XXXX {$1400.00} ( now {$130000.00} ) which is our actual total debt until yesterday when we bought a XXXX XXXX XXXX from XXXX XXXX ( XXXX, La ) with {$15000.00} down and {$15000.00} financed ( 6 year loan, 5.89 %, $ 299 monthly ) by XXXX XXXX XXXX XXXX. 

The Experian credit reported additional debt of {$4200.00} previous week and now ( last week ) {$8600.00} which is incorrect to our knowledge. We reported this to Experian- they are researching. 

Besides the obvious fact that this is reporting fraudulent debt, Experian does not include in their report where or the whom this debt is coming from- which is bad reporting on their end. They are researching this as well - no solution thus far. 

Please help us with this ID theft ( or direct us to those who can help ) and fraudulent credit report debt information ( and lack thereof ). 

Thank you in advance.

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 2022-04-30
Company: BARCLAYS BANK DELAWARE
State: MD
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:
In accordance with the fair credit Reporting act XXXX Accoufft # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX my credit report showed XXXX collections, on XX/XX/XXXX my credit report from transunion showed XXXX collections. The following day it updated to XXXX of the collections that were previously on there before it went to zero being re insterted. This is a violation of my rights and against the law to reinsert information without a 5 day notice. This never happened. I 've attached supporting documentation via XXXX my credit reports before the incident when it happened and after. reinserting them without writing a letter 5 days prior to reinserting them then they are breaking the law so they have to remove those collections and send an updated 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 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021, I have sent the credit bureaus ( Transunion, XXXX & XXXX ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  & XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: SYNCHRONY FINANCIAL
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: Didn't receive services that were advertised

Complaint:
My names XXXX XXXX, I had called a few weeks ago to file a dispute on my credit but the thing is I shouldnt have a credit score I never applied for a credit card to begin with. I dont know the whole process of this and how it works but I would like to file a dispute on anything that is opened in my name that is on a credit card or anything that is making me have a low credit score if I never applied for a credit card to begin with. The only thing I should have under my name is the debit card that I use with XXXX XXXX. Thankyou for your time and I do hope that you guys can reach out to me and help me with this problem Im having.

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