BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion tenant screening refuses to remove Case # XXXX ( civil dismissal ) from my record. This case number does not exist at all in Maryland 's court system. I have disputed this item with them several times. I was never evicted from this or any other property. It is illegal for them to have a non existent record on my screening report. Can you please assist me in having this item removed.

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 2018-01-14
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX I reached out to GLA Collections via a third-party credit monitoring site XXXX XXXX XXXX XXXX, asking them to validate XXXX medical bills that they have on my credit report. One in the amount of {$500.00}, and the second in the amount of {$720.00}. Today is XXXX XXXX, XXXX and I have yet to receive the requested information, nor a letter of any kind or any type of response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/23 I rediscovered a fraudulent account on my consumer report that I have no knowledge of, I settled it previously with another collections debtor and now another collections debtor is reporting on my account, my information is being used without my consent to pay debts that I do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: SC
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 is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00}

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
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2020 at XXXX I recieve an email alerting me to a change in my credit report. The alert further states that a Chapter XXXX bankruptcy was filed with the US Bankruptcy court on XX/XX/2020. I immeditately take off work and begin the process of filing an identity theft claim. I go to identitytheft.gov and file a complaint while I am on hold for 45 minutes waiting to speak with someone from TransUnion. I finally reached XXXX at TransUnion who confirms the bankruptcy is reported on my credit report. I asked her what court and who can I contact who can provide more information. She told me the lawyer name is XXXX XXXX and the bankruptcy was filed in the US Bankruptcy Court of Arizona. I contact the US Bankruptcy Court of Arizona who confirm they have no bankruptcy under my social security number. I then call the attorney who confirmed that his client and I have the same name, spelled the same way and both of us have the same last 4 digits in our social security number, however after confirming the first 3 numbers of my social and my address he commuicated I am not his client and stated TransUnion likely failed to review other identifiers to delineate my identity from his clients and suggested I contact them again. I contact TransUnion ( File number XXXX ) again and spoke to XXXX and provide all the pertinent information for them to validate my story and was told again their investigation takes 30 days and they have documented the information I provided on the attorney. I am in the middle of a refinance, I have a day of lost wages only to find out Transunion is the only bureau of the 3 credit reporting agencies who failed to do their due dilligence. This not only impacts my credit score but I have another persons personal information on my credit report. 30 days is not acceptable to resolve this issue and a fine or some sort of process change should occur to ensure when there are similarities amoug people ( names, DOB, etc. ) that additional quality control mechanisims are implemented to mitigate errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter warfield is attempting to collect a debt for a company I do not have a contract with and did not provide validation information with the company international realty listed as the creditor. after several attempt to get documented evidence confirming debt owed to international realty proceeded to report to credit agency falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: MI
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. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, 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. 

These account should not be reporting on my Credit Consumer profile, Please have it removed.

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 2021-10-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, XXXX XXXX sent XXXX refunds of {$260.00} each through XXXX to my credit card at Chase Bank. Unfortunately, that credit card had been closed and purged. Also unfortunately, Chase Bank did not reject the funds immediately. They held the funds until XX/XX/XXXX and sent them back to a bank account. Because of the delay, the funds were not connected to me in any way. For months, I have tried to get XXXX XXXX and XXXX to check to see if the reference numbers in the attached document from Chase Bank hit their bank account. So far, both XXXX XXXX and XXXX say they do not have my money. During discussions with customer support in both organizations, I have learned that XXXX XXXX uses a Chase XXXX bank account and XXXX uses a XXXX XXXX account. If Chase Bank would tell me which bank received the funds on XX/XX/XXXX, then I would be able to focus my efforts on getting the correct company to research their accounts. I have attached a copy of a message from Chase Bank in which they gave me reference numbers for the deposits on XX/XX/XXXX. I have also attached a copy of information about the refunds that went through XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: DISCOVER BANK
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
To Whom It May Concern : I filed CFPB Complaint XXXX against Discover Card on XX/XX/XXXX. As of XX/XX/XXXX Discover Card told CFPB their response is in process. I received In a letter dated XX/XX/XXXX, collections law firm XXXX XXXX XXXX contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client Discover Card has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct XXXX XXXX XXXX to contact me on their behalf, especially when they had proof of my exempt income. 

Discover Card has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XX/XX/XXXX letter from XXXX XXXX XXXX, which might indicate, in my opinion, the likely intention of Discover Card to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if Discover Card claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, XXXX XXXX XXXX. 

Since the CFPB Database seems to indicate that XXXX XXXX XXXX might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that XXXX XXXX XXXX provide written acknowledgement of my exempt income. I have other exemptions as well. Discover Card is put on notice that they were aware of my status BEFORE they sent XXXX XXXX XXXX to attack me, so Discover Card is responsible for any and all actions of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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 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. 

Account Name : XXXX  XXXX, Account # XXXX, Account Name : XXXX, Account # XXXX, Account Name : XXXX XXXXXXXX, 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 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 explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: MD
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: IL
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:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 i sent a letter to transunion to update a XXXX XXXX latepayment that was being falsely reported. They had updated the payment from 30 days late to current. Then i look at my credit report In XXXX and they changed it back to 30 days late which is a violation. I have attached my letter below. Due tho them reporting this late payment i am back not getting approved for apartment or a car.

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 2023-07-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a request on CFPB to XXXX and Equifax. Complaint ID # : XXXX & XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Company: EQUIFAX, INC.
State: DC
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 Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank is only open and operates by charging people fees even in a pandemic money hungry husband battling XXXX XXXX XXXX  with second XXXX. On XXXX XXXX  every 2 weeks costing XXXX for a month supply. So much money to the banks cant even get my monthly bills paid. Over XXXX in one year. Yet they have nerve to tell me they helped me they have not. Employees rude disrespectful even discriminate low income barely making it customers. Parents opened this account years years ago this bank doesnt care about loyalty suppose to charge one fee now telling me they are going to charge me 4 times a day.

Company response to consumer: Closed with explanation