BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-25
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: Public record information inaccurate

Complaint:
I am disturbed that EQUIFAX, XXXX and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XX/XX/2023, because of these numerous inconsistencies they have furnished on my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 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 2021-03-08
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 already discharged in bankruptcy and is no longer owed

Complaint:
please remove capital one credit card from my account : the account is no longer owed capital one bank usa ( closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I've been trying to dispute a collection in my Experian credit report, which should not appear in my report. The collection is for XXXX of XXXX XXXX, and the alleged debt occurred during the pandemic. I submitted XXXX claims, and every single time, they would state that the record was updated, but no changes to report were made. 

The claims are the following : Claim 1 : Report number : XXXX, Investigation ID 01, Date opened : XX/XX/2023 Claim 2 : Report number : XXXX, Investigation ID 01, Date opened : XX/XX/2023 Claim XXXX : Report number : XXXX, Investigation ID N/A, Date opened : XX/XX/2023 On the week of XX/XX/XXXX I sent a letter requesting the method of verification for the claims above. A claim was opened to address my method of verification request on XX/XX/XXXX. Today is XX/XX/XXXX and I have not received any response on how they verified the validity of the item in my credit report. 

On XX/XX/2023, I received an email from Experian stating their verification process and that they will look at all relevant documents to make decision. That emails does not meet the requirements under FCRA 616. They are willfully non-complying to the letter of the law, and this is affecting my financial health and my opportunity to get loans with the interest that I deserve. 

I will sending them a letter on Monday XX/XX/XXXX, to request the item removed from my credit report or I will proceed with a lawsuit.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: IN
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:
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.I told the Experian, XXXX and XXXX to reinvestigate these accounts XXXX XXXXXXXX however, they stated that everything was complete and accurate.But how is that possible if the open date, date of last activity and much more is incorrect.according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 15 U.S.C. 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 7 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 the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-05-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : XXXX, Bankruptcy XXXX  XXXX-dismissed Reference number : XXXX and 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 accounts 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 these 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 explanation
Consumer complaint received 2022-10-27
Company: Radius Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email on XX/XX/22 at XXXX XXXX  XXXX from Radius Global Solutions LLC regarding collecting a debt I owe to XXXX XXXX XXXX XXXX  XXXX. It had my address listed, but it looked like it could potentially be spam so I contacted XXXX within XXXX minutes of the email being sent. They confirmed Radius Global Solutions LLC is a debt collection agency they work with and that I owe a debt of {$200.00}, but had paid my co-pay in the amount of {$50.00} bringing the total needed down to {$150.00}. I advised I had zero phone calls or emails from them, to which they replied they only rely on the USPS to send notifications ( do not have any of those either ). They were able to confirm the dates of service, but could not provide me with a breakdown as to why we would owe so much for a visit ( they claim their systems are down ). Due to their systems issues, they also could not take a payment and would need to call me back with both pieces of missing information. 

I waited about a week and a half and called XXXX back on XX/XX/22 again asking if their systems were up, and was told they are not and their is no ETA to fix the systems. I was also informed the amount owed may not be accurate and I can just pay it and they will refund me if it's inaccurate. They still have me on a list to call back when things are working and I have not heard back from XXXX as of this writing. 

I then called Radius Global Solutions, LLC the same day directly and asked if they could provide a breakdown of the balance. They said no, but advised me the {$50.00} stated above was from my " insurance '' which is contradictory to the information provided from XXXX. I informed them I was not paying a debt they can not confirm is accurate and they requested I send them a dispute in writing ( via email ) even though I was following their email guidance and using the call in option. I emailed them on XX/XX/22 and have not heard anything back since. 

I am not disputing my family visiting the clinic at all, but their debt collection practices are completely unprofessional. They can't seem to tell me what the charges are for, don't even attempt to notify me directly they are sending my personal information to a debt collector, and provide contradictory information between both organizations.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: KY
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 XXXX 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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX XXXX NATL XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2023-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In my previous complaint regarding this subject, the bank stated that I had deposited fraudulent checks and used the money. 

This is not true.. I made no deposits to the account with any checks or withdrew any monies. 

The deposits in question were apparently mobile deposits with my name typed on the back of the checks in the endorsement line. I repeat, I never made a single deposit that was not valid. I do not know where these checks came from. 

I had applied for a loan from what I thought was a reputable finance company, but I repeat : I DID NOT DEPOSIT ANY CHECKS to my account. 

USAA is changing the narrative to suit their purposes and duck the consequences of their failures and placing the onus on me. 

As far as the missing transcription of the previously reported telephone connverstion between a USAA representative and someone purporting to be me seems a convient way for them to further duck responsibilty. 

And if the CFPB can not do a better job of investigating this incident and the return of my money being held by USAA, I will take the matter up with my Congressional Representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : XXXX. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
XXXX. Validate Account : XXXX XXXX XXXX. Account Number : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 
Thank you, 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 2021-03-15
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call XXXX XXXX and she gave me the same number to call that I had just talked to. Supposedly Pressler and Pressler, LLP I looked up the Judges name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. Same with XXXX XXXXXXXX. I have called on more than 10 numerous occasions and have not received a solution. I know that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me. 


THERE HAS NOT BEEN A SOLUTION TILL DATE.ITs not 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 2022-02-16
Company: Experian Information Solutions Inc.
State: IN
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:
My account with XXXX XXXX XXXX XXXX was opened on XX/XX/2014. My Account Number begins with XXXX... 

The account WAS PAID IN FULL! However, my credit report shows the status as " Discharged through Bankruptcy XXXX XXXX. '' This is VERY FRUSTRATING as I PAID THE ACCOUNT IN FULL AFTER MY BANKRUPTCY!! I have the title to the vehicle in my hands today! 

I've asked XXXX XXXX XXXX XXXX  to update the status of this loan on my Credit Report, but they absolutely do NOT CARE!!! 

PLEASE DO NOT EVER USE XXXX XXXX XXXX XXXX... THEY ARE TOTAL CROOKS!

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 2023-04-03
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a US Bank credit card in my name without my knowledge. Ive contacted US bank and issued them a copy of My ID theft police report and FTC report and they still refuse to remove the account from my credit file or accept the fact that it is a Fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief