BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  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 2021-10-25
Company: Financial Business and Consumer Solutions.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account with XXXX XXXX XXXX. They have reported to credit bureaus that I do not pay my balance and give incorrect statements. They have done this the last two months. I was able to dispute it and have it resolved in about a week with XXXX XXXX. This month the added a derogatory remark to my credit report which made it drop a significant 85 points. I called them the next day. They said they would fix it the following day. It has not been repaired. I am now being declined access to finance which is not my fault. I would like to take legal action against them if it is not repaired soon. They have ruined my credit. I have never made a minimum payments. I pay my balance in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: SYNCHRONY FINANCIAL
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:
I do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts 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  Original Creditor : 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 2023-10-11
Company: EQUIFAX, INC.
State: FL
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:
Pls remove and block this reinsertion that hasnt followed procedure and regulations XXXX XXXX XXXX Report date : XX/XX/2023 Back Reported balance {$910.00} Actual payment amount {$0.00} Date of last payment Past due amount {$910.00} Account status Closed Date reported XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We refinanced our home and got extra cash to pay off all other debts. We continued to pay while the work was in progress. The last statement says we were to receive a check for the amount left in the account of {$580.00}. We did not receive the check and have called several times. They said they would send it but never did. 
This is the third of three accounts that did the same thing. The other two were XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i the consumer sent XXXX XXXX XXXX a debt validation letter certified mail pursuant to 15 usc 1692g they received XXXX They sent correspondence they were gon na cease communication and collection activities and they have yet to do so. in regards to inaccurate accounts with XXXX XXXX  XXXX  i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to this company to start the court process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 instructions.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: NC
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 am writing another complaint to Experian in regards of a fraudulent debt that you have on my credit report. On XX/XX/2022, and XX/XX/2022, I sent a validation letter to Experian certified mail. Receipt number XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I have attached these letters with this complaint. Experian has fraudulently put an account on my report, XXXX XXXX Account # XXXX. I also submitted a complaint on XX/XX/XXXX, XXXX and to date, I have not received any response from Experian regarding my request for verification. I have waited more than 30 days and still havent received any response in according to my letters. Experian has refused to respond to my request to know how this was verified and the method of verification or provide me with the documentation necessary to validate this debt. 
Pursuant to the Fair Credit Collection Reporting Act ( FCRA ), I am entitled to request verification of this debt within 30 days of you receiving my dispute. 
I am writing to inform you that your failure to provide me with the necessary validation of this debt is a violation of my rights under the FCRA. 
As you are aware, the FCRA requires debt collectors to provide consumers with written validation of any debt within 30 days of the initial communication. Failure to do so is a violation of the law and my rights 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information & 15USC 1681s-2 & 15USC 1692. And this may result in legal action being taken against your organization. 
Therefore, I demand that you immediately provide me with the necessary documentation to validate this debt, as required by the FRCA. Failure to do so will result in me pursuing all available legal remedies to protect my rights and hold your organization accountable for any violations of the law.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 dispute 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, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX 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 2023-06-20
Company: EQUIFAX, INC.
State: TN
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 dispute 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, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX APPLIANCES XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$190.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In 2018 I was diagnosed earlier before with XXXX XXXX that has made my life very difficult. I got married to a lady who exploited me and manipulated me into using my credit cards indiscriminately to purchase items for her family and herself without my permission. This involving many credit cards including a car purchase plunged me into a debit of more than {$50000.00}. I have been trying to resolve this with my credit companies since I started making improvement on my health and requesting a concession stating that these expenses were fraudulent. I am divorced now and she walked away scot free. I am now dealing with the credit companies and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent dispute letters to the bureaus and they stated the account was verified but never explain how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: CA
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:
Fraudulent inquiries and inaccurate account information.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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:
In accordance with the Fair Credit Reporting act XXXX  Account on the date ofXX/XX/2021, " XXXX XXXX - XXXX '', has violated my rights by violating my right to privacy, Furnishing said account without my written instructions, and reporting inaccurate reports and details regarding the account. Down below I will cite my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy, Said right was violated by " XXXX XXXX - XXXX '' by reporting and releasing my personal info and details to consumer agencies and the public providing access to information of said account simply by request. 

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, Said right was violated by " XXXX XXXX - XXXX '' furnishing and reporting said account without my given written instruction nor direct detailed agreement. 

15 U.S.C. 1681 Section 602 A ( 1 ). States The banking system is dependent upon Fair and ACCURATE credit reporting, Said right was violated by " XXXX XXXX - XXXX '' not truthfully reporting full and accurate details regarding the account, Payments Made, Payments missed, and the accurate remaining balance on the 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
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I Had Checking Account, And Savings Account With Wells Fargo They Owe me Money it's A Law Suit out They have not Contacted me Had the Account for About XXXX  Years Are longer My XXXX Check was going there There where over charging me At ATM

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 2022-07-13
Company: EQUIFAX, INC.
State: WA
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, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated 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 supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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