BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I request an investigation by the bureau into these accounts, which I have never been late for, yet they are being reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello I reviewed my Consumer Reports and noticed that I had 2 late payments on a XXXX XXXX XXXX XXXX that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: OH
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:
Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with Equifax, XXXX, and XXXX. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB XXXX, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM LOOKING FOR HELP GETTING THESE FRAUDLENT ACCOUNT REMOVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY. BUT I AM A VITCIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME. I HAVE BEEN TRYING TO FIND THE CORRECT REMEDY TO GET THESE ACCOUNTS REMOVED. NOT ONLY DID THEY OPEN ACCOUNTS BUT THEY ARE INQUIRING ABOUT NEW ACCOUNTS. I HAVE SEVERAL FRADULENT INQUIRIES AS WELL. PLEASE HELP.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-27
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: Account information incorrect

Complaint:
Hello I reviewed my Consumer Reports and noticed that I had 2 late payments on a XXXX XXXX XXXX XXXX that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX on XXXX requesting they do a proper investigation. Contact the school, check IP addresses, match up the signatures, they cant do these things because it doesnt belong to me.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Midland Credit Management Acct # XXXX Midland Credit Management Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX. XXXX XXXX  illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXXXXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, I was notified through credit monitoring that Capital One reported that I owed a balance of {$1700.00}. The account being referred to was settled in full on an agreed upon settlement. I initially filed a dispute because of this false reporting that Capital One was doing. Eventually, Capital One reported the account at a {$0.00} balance. After the notification, I contacted Capital One representative that is already working a case that I have filed due to the same dispute about the issue. I was advised that because a dispute was submitted that the balance was placed back onto my XXXX  account. Why would they maliciously place a balance back onto my credit report after already noting the balance at {$0.00}? This makes absolutely no sense. Furthermore, the balance being reported is an incorrect difference between the settled amount and the amount that would have been remaining if Capital One did not agree to the settlement offer they provided to me. I do not owe Capital One anything on this account. They have significantly caused me damage in that my score dropped 28 points and I was no longer able to finance a vehicle and I am in the process of trying to buy a house! On top of them reporting this balance, they reported that I had been late on the payments for the last three months! I paid this account off at the end of XXXX! 
After contacting the account representative, there is still no progress in them fixing my report. 
I work at an agency that requires good standing with all credit accounts. This malicious reinstatement could potentially cost me my job as well. 
I have worked very hard to get all of my debts resolved and paid off to do something like this in retaliation is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had an auto loan with Wells Fargo, my vehicle was repossessed and when the car was sold there was a surplus that was to be given to me in the form of a check. I never received the check and was told they would send it out again and still I didn't receive anything. I called the auto loan department again to resend the check and they informed me that it had already been cashed, and I informed them I wasn't the one who cashed it and they said they couldn't help me since the check wasn't deposited to my account. When I asked to speak to the check fraud department and they said they didn't have a department for check fraud. The only information they could give me was the check number and the date of when it was cashed. I asked if they could tell me who the check was made out to and where it was cashed so that I could file a police report. They still didn't give me any information and weren't helpful at all. The keep telling me the same thing, and haven't given me any information for me to be able to file a police report. I have been dealing with this issue since XXXX of 2021 and nothing has been resolved.

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 2023-11-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I recently contacted BOA regarding a charge for a purchase I dis not make. 
BOA has found the charge fraudulent and credited my account for the {$75.00}. 
However I was forced to surrender my card and account for a new card and account with a 50 % interest rate increase. 
my credit score is near 800.

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 2019-04-22
Company: Experian Information Solutions Inc.
State: OK
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 have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the XXXX website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from Experian, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing on my credit 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit 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

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 2020-07-16
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I used to be able to link my bank account to my investment and budgeting apps but now they won't let me. It's super frustrating and limiting my financial growth potential. This is a huge step backwards for a bank at a time when banks need to be more progressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXXXXXX XXXX XXXXXXXX used deceptive practices and false information to get the CFPB to close a previous complaint without a resolution. 

They claim they are legal representation of the original creditor but failed to send me any documentation of such. They only sent me a letter saying they're a debt collector regarding the account. 

The CFPB did not require them to provide written documentation to provide they advised me they are representing the original creditor in the ongoing legal matter with the original creditor. 

If they are, in fact, the legal representation of the original creditor they sent me a letter stating they are a " debt collector '' dated XXXX XXXX about the account and alleged debt and made no mention as legal representation. They failed to send a legal response to the Affidavit of Truth sent to the original creditor on XXXX XXXX nor the Affidavit Non Response notice dated XXXX XXXX. So in fact, they are a debt collector as I have no written proof from XXXXXXXX XXXX XXXXXXXX stating otherwise. 

I am requesting the Ombudsman office handle this complaint and DO NOT CLOSE IT STATING IT WAS PREVIOUSLY RESOLVED. THE ISSUE IS ONGOING AND NOT PREVIOUSLY RESOLVED BY THE CFPB.

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: In progress