BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
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:
the credit bureaus Equifax, XXXX, XXXX are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX XXXX # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH # XXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED 5.I HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE XXXX 1.MY NAME IS XXXX XXXX XXXX NOT SR THIS NEEDS TO BE FIX 2XXXX XXXX  SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS XXXX BE DELETED OFF MY REPORT 3.XXXX  XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT XXXX  XXXX ME THIS IS FRAUD THIS NEEDS TO BE DELETED 2. XXXX  XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS 3. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX  XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX. XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XXXX XXXX NEEDS TO BE DELETED FACTUAL DATA XXXX XXXX NEEDS TO BE DELETED EQUIFAX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX  DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

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

Company 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 2022-06-21
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I am writing to delete the following information in my file : CREDIT COLLECTION SVCS XXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Their investigation did not fix an error on your report

Complaint:
This is the 2nd Time that I have complained on the 3 major credit bureaus XXXX, Transunion, and XXXX. I've submitted the inaccurate information that continue to harm my credit score as well as chances of becoming a first time home buyer because the credit bureaus are allowed to ignore the ( FCRA ) and the laws In place to protect the consumers from exactly what's happening right now and according to 15 U.S.C. 1681 et seq.

The nations three largest credit reporting agencies XXXX, XXXX and TransUnion are required by law to do everything in their power to accurately gather and report consumer information. 

XXXX XXXX  -ACCOUNT XXXX  XXXX ACCOUNT TYPE- XXXX ( XXXX ) XXXX XXXX XXXX XXXX  TRASUNION ( OPEN ) ACCOUNT STATUS-XXXX  ( CLOSED ) XXXX ( N/A ) TRANSUNION ( OPEN ) XXXXXXXX XXXX XXXX- ACCOUNT XXXX  XXXX ACCOUNT STATUS-XXXX ( CLOSED ) XXXX ( OPEN ) TRANSUNION ( OPEN ) XXXX XXXX XXXXACCOUNT # XXXX ACCOUNT TYPE- XXXX ( INSTALLMENT ). XXXX ( INTALLMENT ) TRANSUNION ( OPEN ) XXXX XXXX DATE OPENED XXXX ALMOST 3MONTHS OVER ALLOWED LEGAL TIME XXXX ACCOUT XXXX XXXX NO BALANCE NO PAST DUE

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act Account : XXXX XXXX, Account # : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-19
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was sent {$100.00} on Tuesday evening, around XXXX. XXXX, using the service CashApp. The money was to an account I had created in the past. CashApp has not allowed me to recover this account, which was made in my name using my information. I have spoken on the phone with them and used their support line multiple times, only to be told they can not give me access to my account for security purposes. I have offered to provide any amount of added information needed, but they do not care to ask. The company has essentially left me in the dark with the same automated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-21
Company: NCB Management Services Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting XXXX  Account # 's NCB Management Services Acct # XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy

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 2022-06-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy

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 2022-06-21
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage servicing company has repeatedly ( for years ) misapply my escrow payment. On XX/XX/XXXX I sent an electronic transfer in the amount of {$3400.00} to cover my escrow shortage. By paying the escrow shortage my monthly noted should be {$140000.00}. If I didn't pay the shortage my note would increase to {$1700.00}. LoanCare processed it on XX/XX/XXXX as 2 different transactions : the 1st in the amount of XXXX and another in the amount of {$1700.00}. Because these funds were not properly disbursed to the escrow account my monthly mortgage payment increased to {$1700.00} instead of the correct amount of {$1400.00}. 

On or about XX/XX/XXXX I contacted LoanCare regarding an error in my escrow account and payment resulting in an incorrect increase in my monthly mortgage payment. After approximately an hour on the phone I was assured everything was taken care of and my account was up to date. 

On XX/XX/XXXX, I opened my statement to find that the error had not been corrected. Again I phoned the customer service dept and spoke with XXXX who quickly and wisely transferred me to the " Escalation Dept '' when I was rudely assisted by operator XXXX ( XXXX? XXXX? ). He informed me that I was wrong. My account was not up to date and I owed some outrageous amount of money. I asked to speak to his supervisor and he informed me that there was no one higher who could help me. Eventually, after a heated conversation he agreed to forward my case for further investigation. At this point I called XXXX XXXX XXXX, EVP, Client Relations and left a voicemail and contacted XXXX XXXX. 
At XXXX XXXX 's request, I was contacted by XXXX XXXX XXXX on XX/XX/XXXX. Have several hours I was informed that the " error '' had been corrected. 

Unfortunately, the error appearently has not been correct as I received a FedEx on XXXX, XXXX requesting me to " act now to prevent foreclosure '' ( this is paraphrased ). 
I called XXXX XXXX immediately and have left a total of XXXX voicemails, XXXX voicemail for XXXX XXXX and an email to both. To date neither have replied. 

I have spent hours on the phone with LoanCare trying to correct their accounting error only to be treated rudely and as if I was at fault. If this had been the XXXX time I had this experience with LoanCare I would be more forgiving. However, over the past several years this same issue has resulted in numerous hours of my time being wasted correcting their accounting errors. 

During the COVID crisis, I was originally denied forbearance because I was " delinquent '' on my account prior to the COVID crisis. Of course, this was not correct, it was a direct result of their accounting errors. I have never been delinquent on my mortgage. I pay religiously every month as a matter of fact, I pay additional funds every month. 

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 2022-06-21
Company: Branch Messenger, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The amount of {$3400.00} was deposited by the State of AZ XXXX  to my XXXX XXXX  These funds were partially spent from this deposit out my account, which left a final account balance of {$1200.00}. 
XXXX XXXX  closed my account down, then for some reason sent the amount of {$1200.00} to the State of AZ XXXX. This Missing check from 2 years ago that was never received, I am still having issue thats been going on for months with the AZ DEPARTMENT of XXXX and XXXXXXXX XXXX about a check that was mailed from XXXX XXXX from my account being closed. They have no information on the a last check that was sent. I need more information on this check as it was never received back into my account. Never mailed to me. As the check did get mailed to AZ XXXX I have been having problems for 2 years about a check that was issued to them to me due to my bank account being shut down. How can I get this check mailed to ME? The AZ XXXX and XXXX has been giving me the run around for two years now going on three.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022, Macy's/CBNA I've never signed up for an account from this company, I've even got in contact with the company, and they stated I do not have an account with 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 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 2022-08-19
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX A XXXX Date Opened XX/XX/2020 Balance {$43000.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$1200.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$7500.00}

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 explanation