BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
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:
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 XXXX XXXX XXXX Balance : {$110.00} TRANSUNION : DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$940.00}

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 2019-11-21
Company: Medical Data Systems, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed with Medical Data Systems. I have asked them to REMOVE the accounts they have on my credit file because LEGALLY they do not have the right to collect on them. 

I received a letter from MEDICAL DATA SYSTEMS saying they no longer have ownership of these accounts, yet they are still reporting on my credit file. 

I have attached a copy of the credit report where they are shown to be reporting, as well as the letter they sent me saying they no longer own the account. 

I WANT THESE ACCOUNTS FOR MEDICAL DATA SYSTEMS DELETED FROM MY CREDIT FILE IMMEDIATELY! 

I AM PREPARED TO CONTACT THE ATTORNEY GENERAL IS NEEDED AS WELL AS TAKE THIS COMPANY TO COURT BY FILING A LAWSUIT TO SUE FOR THE ILLEGAL PRACTICES THAT INVOLVE MY NAME AND SOCIAL SECURITY NUMBER.

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 2021-03-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Received a text message from Synchrony Bank on XX/XX/2021, at XXXX XXXX that stated : PayPal Extras MC courtesy reminder. Make payment. Pay at paypal.com XXXX. Msg rates may apply. Synchrony Bank. To opt out reply STOP Called XXXX on XX/XX/2021, at XXXX XXXX and spoke with XXXX XXXX XXXX ) for roughly eight ( 8 ) minutes who said she would put " something '' into dispute again and she will be sending out paper statement ( s ) for this account which, unbeknownst to myself, is in arrears from the last CFPB complaint ( XXXX ) that was made against Synchrony Bank and NOT RESOLVED. I'd asked XXXX at first if she could email my statement ( s ), she didn't answer then proceeded to confirm my mailing address, albiet she's going to send them. 

I'm signed up for paper statements on my account and without the card attached to the account being registered due to privacy concern ( s ) there is no way and hasn't been a way for me to log into my " PayPal Extras MC '' and see the account. 

That is the status as of this morning, XX/XX/2021, at 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 monetary relief
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/29, I sent letters regarding inaccurate and false on my credit report. To this day, I wasn't notified of any investigation taking place. It's been more than 30 days since my first letter. I feel like I'm being ignored of my disputes. This are deceptive practices by those agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX reported a past due account with XXXX XXXX XXXX XXXX to Equifax. Equifax confirmation # : XXXX. I disputed this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax. The basis of the dispute is simple : XXXX XXXX never sent a bill or invoice for the amount not paid by insurance. No bill no debt no past due account. I confirmed with XXXX XXXX that they had my correct address, email address and phone number. I requested a copy of the bill, any bill addressed to my attention. XXXX XXXX has not produced a copy of the bill ( because they failed to bill ). I had no notice that the insurance did not pay the full amount for the procedure. Its been one year as of XXXX XXXX, 2016 and I have received no correspondence from XXXX XXXX. I contacted them by phone and all they said was your account was turned over to collections and there is nothing we can do. XXXX XXXX claims to have investigated my dispute, but all they did was send a verification letter to XXXX XXXX confirming an account balance. They never requested or confirmed if I was ever put on notice of any amount owed or if XXXX XXXX even sent an invoice or bill to my attention. Again no bill no debt no past due account. Now my credit score has been negatively impacted and XXXX XXXX and XXXX XXXX XXXX will do nothing. Please note, when I saw my credit score drop, I ordered a copy of my report. That is when I found this false claim of a past due account. I paid the {$410.00} on line, that week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax once again and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of Education/XXXX  and XXXX XXXX XXXX. I submitted a previous complaint with you Complaint number XXXX & the accounts are still being report even after I have sent a police report, put a 7 year fraud alert on my credit files & submitted an ID Theft Report. I have been calling & sending everything they have requested but still no help with only showing the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I received a notification alert about a credit inquiry I immediately looked into it and I found a hard inquiry on my report that I did not authorize. I immediately called the provider ( care credit ) and they confirmed a account being open but they werent able to close it, i had to wait 48 hours. 
On Monday XX/XX/2019 I called and closed the 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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
someone used my info to get medical treatment at the er and i apply for something else idk what it is.

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 2018-07-10
Company: EQUIFAX, 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 requested my credit reports through XXXX, and Equifax displayed a full credit report for someone else, " XXXX XXXX '' of XXXX, CA. The report displays the last four digits of my social security number, and " XXXX '' and I have the same birth year and appear to live in the same state, but otherwise we couldn't be more different. I am not sure what's going on, but assuming " XXXX '' is innocent in all of this, this is a HUGE invasion of his privacy ( which I think he should know about ), and I'm concerned my file is being mixed up with this stranger 's. 

I attempted to file a complaint in Equifax 's system right away, but I couldn't submit because answering the security questions honestly didn't work ( because the questions were for " XXXX '', and we are not the same person! ) and my only other immediate option was to file a line-by-line dispute which is irrelevant to me because the whole report isn't mine or submit a statement that'd be displayed in his file, which is obviously not the right option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Let me begin by stating that I have been a member of Capital One since XXXX and am a satisfied member, however Capital One is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Capital One to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

I only have one credit card with Capital One that was issued in XXXX which I still currently have and am happy with. 

The unauthorized inquiry was performed in XXXX of XXXX. 

In the event Capital One has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Capital One remove this inquiry off my credit files. Otherwise, any verification from Capital One will be deemed hearsay and will be admitting that Capital One is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im victim of identity theft, and somebody opened multiple credit cards accounts and used under my name, after finding out problem, I got police report and FTC report, and notify to all credit bureau, they removed all negative items, buy only Experian didnt remove XXXX XXXX account starts with 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 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Marlette Funding, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
borrower requested refund of overpayment equal to 5 payments .that account is due for 2020.refunding this amounts are borrowers own money and a credit, it was  denied without reason by XXXX at marlette funding and XXXX XXXX at marlette

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: FL
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:
Equifax continues to report information that they indicated would be deleted in XX/XX/2021. 

The results of my dispute were sent to me via USPS indicating that ( 7 ) hard inquiries would be deleted yet they continue to report these inquiries. 

This complaint involves the reporting of information that Equifax has previously reviewed and concluded would be deleted. 

This is not a dispute of information on my report but a complaint regarding the failure of Equifax to delete information that indicated would be deleted. 

Litigation to follow

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I and my spouse rented apartment at XXXX  at XXXX XXXX, XX/XX/2022 the office manager call us and told us that they wanted the apartment back, We spoke with the office manager to give us some weeks so we could find a place to stay,, we told her to give us a written document but she refused and told us she was going to speak with her boss,, after a week we contacted the office manager again and she told us that she havent heard anything from her boss,, so due to her statement telling us to move that they wanted the apartment,, I and my spouse quickly got a new apartment at the end of XXXX and we went to inform the office manager that we got another apartment just as she ask us to move,, And the manager told us that we are going to pay for lease violation, that was shocking,, Because the manager ask us to move that they want the apartment,, so we told the office manager that wasnt what you told us,, the office manager ask ask us to move and we pleaded with her to talk to her boss to give us little time to get a new place,, And our lease was suppose to end in XX/XX/2022,, due to the pressure from the office manager we quickly got a new place so that office will not make me, my wife and kids XXXX. So when the office manager told us we going to pay for the lease violation, I requested to speak with her boss and she gave me the number of her boss at the head office,, the phone Number was XXXX and the name of the lady I spoke with was XXXX XXXX, I spoke with her a week before we moved out, and she told us as far the office manager ask us to move, that we should pay {$1000.00} for the damage in the apartment instead of the lease violation!! So that was what we agreed!! If they can provide the voice recorder for that conversation,, that will be helpful.. The damage in the apartment was as a result of the maintenance efforts try to fix water leakage during the snow that happened in XXXX,, it took the apartment several months to fix the walls they cut open,, and as a result of that holes on the walls, Rat and and Roaches got into our apartment,, and all our efforts to get rid of those Rat and Roaches proved abortive. At the end of our conversation with XXXX XXXX XXXX from the head office we agreed to pay the {$1000.00} for the interest of peace. Right now they have reported the debt to be {$6300.00} on my credit report. That {$6300.00} is a wrong amount we were ask to pay by the XXXX head office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The PMI was not automatically removed from my account when it reached the 78 %  LTV ra tio. The origional loan amount was for {$190000.00}. On  XXXX / XXXX / 2016  the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.

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 2022-06-10
Company: Google Compare Credit Cards Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I'd like to remove my credit card which is no longer valid ending in XXXX XXXX off Google pay and it will not allow me to remove the card I need to have the card removed as soon as possible thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i got it you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: AL
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:
So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,

Company response to consumer: Closed with explanation