BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My wife received a call from a North Carolina number and the lady that spoke with her was very aggressive. I called the number given ( not a North Carolina number ) and instantly the lady that answered started telling me I was being sued for an account that was not paid since XXXX. She stated it was from HSBC. I asked multiple times to send me some documentation for the debt or give me the date for court and she then hung up on me. I instantly called back asking why she hung up. She stated I was being rude, which I was not in any way. I again asked her why she was not helping me understand what the debt was for and she then hung up on me again. This was XX/XX/2020 at appr XXXX. I also contacted HSBC and they have no record of me ever having an account or my name in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$1800.00}

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22
Company: EQUIFAX, 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:
This is my second 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 XXXX  or XXXX. 
XXXX, XXXX, A ; XXXX A XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close out three bank accounts with Bank of America that are part of my fathers estate. The accounts had to go through probate which was completed and I am the executor of the estate. I mailed the information requested from Bank of America to their estate unit XX/XX/2021. This included the information they requested like the death certificate, letters testamentary, and their forms. 

My first follow up call was XX/XX/2021. On the XX/XX/XXXX call the representative confirmed they had received all of the required information and would put in an escalation request to have accounts closed. 

My second call was on XX/XX/XXXX when I was told it was still in back office review. 

My third call was XX/XX/XXXX. Representative was giving me same story about it being in back office review. Complained that is what I was told last time and the response was that they would put in an escalation request. I explained that was said on XX/XX/XXXX and they claimed not to have any record of that. Call continued and she claims to have gotten a manager involved after putting me on hold multiple times. She said account were approved for closure and that checks would be sent out in 2-3 days. 

My fourth call on XX/XX/XXXX I was told checks were mailed but needed to give it until Monday the XXXX to see if they arrive. 

My fifth call on XX/XX/XXXX. Representative confirmed approval on XX/XX/XXXX but then said something was showing red on document intake. He did confirm they had all documents needed. Same story about escalating it to a supervisor. Said they had 4-5 people working on it which is a hilarious exaggeration. End of the call he said he would call me back either end of that day or no later than the following afternoon. Never received a call back. 

My sixth call on XX/XX/XXXX. First representative transferred me to another representative which was supposed to be a specialist on the case. They had no knowledge or history on the case and it was like starting from zero as with all other calls. You talk to a different person each time. They make you wait on hold an average of 20 minutes before you get to the first person. After you get to them you may be transferred again or out on hold multiple times while they work on it. The call ended with me asking how can I have my attorney contact them and where can he send a letter. The representative would not answer and said I would have to talk to manager. When I asked for that was told they are not available. Representative promised to call me back within 5-10 minutes and confirmed my contact number. Of course nobody called me back.

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 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXXthrough XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Capital one has ruined my life!!! I have 3 credit cards with capital one. I had reported incorrect information on my credit report that capital one reported and my credit cards were removed from my XXXX  credit report by capital one. At the time i had a credit score of XXXX well because capital one keeps removing and adding accounts back my credit score today is XXXX and XXXX I am so livid!!! I was about to purchase a house so imagine my surprise when I was turned down for a mortgage. My credit report is wrong now it still says Im carrying a balance on one card for {$190.00} but my accounts are paid in full. I want capital one to restore my good credit and to be held accountable! I want to be compensated in some way because this has ruined my life I have a child  to send off to collage this year and now what am I supposed to do? My credit card company ruined my life how is this OK? I pay my credit card bills on time and this is what I get, no capital one not this time! I cant buy a stick of bubble gum thanks to this mess.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This company has repeatedly called My Son, and giving him my personal information about a debt that they are saying that I owed. I do not even live in the state anymore, and they refused to try to make a payment plan threatened to sue me sees my property to garnish my wages and hung up on me XXXX times when I asked to speak to a supervisor. They suggested that I paid the bill in full today when I asked him to make a payment plan because I was not working due to Covid. The supervisor supposedly got on the phone and then told me I should just file bankruptcy instead of making a payment plan with me. I told him that I was going to call the FTC because they were threatening me they hung up on Me and they threaten my personal property. Please shut these people down.

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 2023-07-28
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting information as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance : {$810000.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00} ; XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00}.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my 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

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 2022-07-21
Company: BARCLAYS BANK DELAWARE
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:
2 hard regular Inquiries pulled on my report without my authorization. # 1 Barclays Bank Delaware on XX/XX/2022 # 2 XXXX on XX/XX/2022 for amounts unknown i obtained my report from XXXX reporting agency. reported these errors agent says I have to contact these companies to dispute these hard inquiries to obtain dos from them. or fill out FTC form for the same thing? I had to turn ON Fraud Alert and a Credit Freeze I dont have a account at either One of these companies!!

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 2020-07-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, a credit intervention letter was sent to Equifax in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt with XXXX XXXX XXXX for debt owed to XXXX XXXX. The debt was settled for {$400.00} on XX/XX/2021. XXXX XXXX XXXX verified that they owned the title to collect the debt. XXXX enlisted the help of XXXX XXXX XXXX to collect the debt knowing that the debt was sold. I received another debt collection letter from XXXX XXXX XXXX on XX/XX/2021 for collection of the XXXX XXXX debt. Ive sent my receipt of payment from XXXX XXXX XXXX  and my release of liability to XXXX XXXX XXXX  on XX/XX/2021. I just sent Resurgent Capital Services the same document on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: SC
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 collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.

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 2020-06-15
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2022-07-21
Company: Experian Information Solutions Inc.
State: TX
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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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