BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681 Transunion has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them.

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Transunion could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed Transunion over 4 times with this. And yet XXXX STILL shows this account. I am within my legal rights to demand this account be removed from my XXXX report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well.

3. XXXX  XXXX - Collections account - This account was paid in full and XXXX  XXXX greed to remove this from my report and yet it still shows in my equifax credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

6. XXXX XXXX - This account is closed and paid. XXXX XXXX also contacted my father the main name on the auto loan to inform us that they will not seek collections and that this account is to be removed from our credit reports. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Transunion has NOT done this! 

I am left with no choice but to start legal procedure against Transunion if these accounts are not removed immediately.

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 2023-09-21
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00}.

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 2023-04-20
Company: EQUIFAX, INC.
State: NY
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:
in XX/XX/XXXX I submitted a Consumer Complaint asking for a Complete investigation on 4 Accounts on my Credit profile from XXXX, I sent in the introduction letter along with my identification copies explaining in details how these accounts are not legally supose to be on my Consumer Credit Profile due to inaccuracies and possible fraud and explaining the Laws they have concerning posting wronngful information, Not having Consent, inaccurate information and other reasons. 

I haven't heard anything back from them since XX/XX/XXXX of last year so I sent out another set of complete information asking for a investigation on the same four accounts This year XX/XX/XXXX since I sent the Certified Letter that I have proof of with this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I submitted an online application for a capitalOne savor credit card and after the process I was approved and received a {$30000.00} line of credit on the credit card. I immediately called capitalOne and stated that I did not ask for a $ XXXX line and said it was too high and that I wanted to reduce the line to $ XXXX. This call with capitalOne was 5 minutes after the credit card was approved online. I was told that if I reduced the line to $ XXXX it would adversely affect my credit score. I then requested to cancel the account and was again told that if I did it would adversely affect my credit score. I have an excellent credit score and work hard to keep it that way. I am a very frustrated consumer. When you go into a bank and apply for a loan you state the loan amount requested so why can a credit card company unilaterally assign you a line of credit on a credit card? 

My issue : how can a credit card company unilaterally assign you a line of credit without first checking with the consumer and giving the consumer an opportunity to request that it be lower? This is an example of unfair credit practices and I feel that the CFPB should take action to protect consumers like me and to prevent unfair credit practices such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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 company reported that the account was closed XX/XX/XXXX The company stated that the account has been charged off years ago and still shows a balance. According to consumer law all information must be accurate. The company has caused me to have financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Debt Recovery Solutions, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Attached is a letter I received from Debt Recovery Solutions , LLC dated XX/XX/2018 on behalf of XXXX XXXX. The letter stated the account was purchased from XXXX XXXX. They are requesting that I pay {$640.00}. I stated to them that I did not take out a pay day loan from XXXX XXXX or from any other pay day loan company. I called Debt Recovery Solution, LLC and spoke with XXXX on XX/XX/18. I tried to explain to him that I do not owe the money because I did not take out a pay day loan from this company. He was very rude and aggressive on the telephone. I state to him that I was going to contact the CFPB and file a complaint on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: MS
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:
Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXXXXXX XXXX Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is XXXX and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against XXXX, Equifax, and XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As soon as we were affected by COVID-19, I called my mortgage company SPS on XX/XX/2020 ; I went into detail about our impact were all to be furlough due to the closures that COVID-19 caused and that I will not be able to make my XX/XX/2020 payment. 
I asked if SPS can assist in helping me with a deferred payment option until we went back to work will be sometime in XX/XX/2020. I spoke to the SPS representative, and she took down all my information. Weeks letter I received a letter from SPS stating that I was placed in a forbearance plan, and by XX/XX/2020, I needed to make a balloon payment of XXXX. 
I called again XX/XX/XXXX and explained I would not be able to come up with the balloon payment and asked how are they assistance with the COVID-19 situation? They asked me to submit my last paystubs to their online system, which I did. I applied for financial aid due to COVID-19. I was told to call again in a few weeks to know the status of my application. 
I receive another mail stating that my load is now in forbearance program and that I needed to make the arrangements to pay the balloon payment. Again I call SPS XX/XX/XXXX asked them about the letter they send me. SPS said that I needed to wait until the three months to see what plan I qualified to call at the end of XXXX. 
They said I could not qualified for the Financial Assistance program because my account was past due. 
Called XX/XX/XXXX, was told to go to the website and fill out more questions. I did not find the questions, called SPS XX/XX/2020, the agent went over the questions with me, and told again the only program available is a Foreberance plan with a balloon payment of XXXX. During my conversation with SPS representative, I stated I could make my monthly payment of {$1200.00}, but I can not come up with the balloon payment. 
SPS stated that's the only option I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Delete Addresses ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , OK XXXX The addresses stated in the above reference must be deleted from my credit file as it is inaccurate regardless of what any creditor is reporting. Im aware Experian has some illiterate policy in place of disregarding address removal if associated with an account which strictly goes against the Fair Credit Report ACT. 
A consumer has the RIGHT TO DISPUTE under FCRA regardless. Credit Reporting Agencies must furnish complete accurate information under the oath of federal law. 
Experian you have violated my right as an consumer if these addresses are not remove from credit file. I provided proof of residency, Driver License, Utility & Statement. If not, remove it willful noncompliance of furnishing inaccurate information. 
Violation 15 U.S. Code 1681n civil liability & willful noncompliance

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Somehow my credit card number was stolen and fraudulent charges appeared on my statement. I contacted Chase to report the fraud, they " investigated '' and sent me a letter stating that I " received value '' from the charges and they denied my fraud claim. I called them back and asked for the proof because I certainly did not make the charges, authorize the charges, or receive anything. They sent me the response from the vendor, XXXX, that shows they shipped four ( 4 ) snow blowers to XXXX Florida and it was signed for by " XXXX ''. My name is not XXXX, I do not live in XXXX and I certainly have no reason to buy four identical snow blowers. I live in Florida ( XXXX, FL ), and it doesn't snow here ... 

This is clearly fraud, but Chase will not refund my money. The Chase account number in question is XXXX XXXX XXXX XXXX. The three charges were placed on XX/XX/XXXX ( {$270.00} ),  XX/XX/XXXX ( {$270.00} ) and XX/XX/XXXX ( {$540.00} ). 

Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am respectfully requesting to have negative items removed from my credit report from my Capital One Auto Loan and my Capital one credit card. Dates : XX/XX/22 through XX/XX/22. I am also requesting that my auto loan account be removed from Charge off status and closed account be open on my credit report. I am a military veteran with XXXX on permanent XXXX. I was a XXXX in the city of XXXX who had a severe episode of XXXX involving my military experience, sick patients, and the influx of patients and extra demand from COVID 19. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I applied for XXXX benefits to pay my bills. My VA XXXXXXXXXXXX didnt get processed until XXXX of this year. I received all the retroactive pay from the previous year and caught up on all my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency has placed 4 accounts on my credit report for collections from XXXX XXXX XXXX XXXX. Each with dates and amounts that I have spoken to the hospital regarding and have confirmed with them they have no record of myself or my children XXXX of which is XXXX the other XXXX are XXXX being seen on the dates reported or any history of me owing the amounts listed. I have disputed the collections with the credit agencies and requested validation letters for the debits but have not received them and they wont remove them from my credit report and continue to report on them monthly. The most recent account was placed on my report today saying I owe {$580.00} dollars for an original service date of XX/XX/XXXX. This hospital is located in Texas and I have not been in the state of Texas since XXXX of XXXX as I have been working out of state. The other 3 accounts that they have failed to validate are 2 for the date of XXXX, XXXX on in the amount of {$1500.00} and the other for {$1000.00}. The final is dated for XXXX XXXX, XXXX in the amount of {$510.00}. As I said previously I spoke to the billing department who has confirmed several time that they have no record of these debts I allegedly owe to them for these dates or amounts. Since National Recovery Agency has failed to send the requested information to validate the debts I suspect they do not have it and they know the information they have entered is false and they are attempting to collect on a debt greater than 4 years old which is the statue of limitations for medical debt in Texas and are attempting to collect on debts much older than that by lying about the original date of the debt and illegally re-aging the debt to make it appear more recent. I want them removed from my credit report immediately.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  : {$480.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from 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 2022-11-07
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation