BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted transunion and XXXX  about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX  would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with The Bureuas THE BUREAUS # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : 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 explanation
Consumer complaint received 2023-05-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Wells Fargo has failed to report taxes to the IRS and failed to fully discharge the account. Please forward this information to the XXXX XXXX to fully reconcile this account and deposit my securities into my Wells Fargo checking account. Enclosed please find IRS reporting. Please fix it as necessary. 

Thank you, beneficiary

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 2023-05-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells Fargo has accessed over {$1000.00} of fees to my checking and auto accounts through out my banking with them

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 2021-10-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Up to a few months ago, I had an AARP credit card with Chase bank for many years. I always paid my AARP card balance with a Chase checking account transfer. I was then notified by Chase that AARP was transferring its credit card business to XXXX XXXX. I did not want to open a XXXX XXXX  account so I disregarded notifications to do so. 
I then no longer had access to any of my Chase AARP credit card statements, nor any credit card history. It was wiped from my Chase account. 
Because I did not have a XXXX account, I had no access to my AARP credit card statements at XXXX. 
I received a letter from XXXX XXXX today stating that I have an account balance of # XXXX which includes a late fee of {$35.00} and that to pay this balance I must open a XXXX account. 
I am being penalized for something I have no control over and never authorized. I am being penalized for not opening a bank account. I am being penalized for a late fee that I have had no access to. When I contacted AARP, I was told " This is a problem between you and Chase and XXXX. We can do nothing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

HERE ARE SOME ACCOUNT NAMES AND # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2022-09-08
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: DE
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX - Date of Inquiry XX/XX/2021 2021

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 2022-07-21
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I have asked Barclays Bank Delaware multiple times via certified mail to fix two credit reporting issues for this account : 1. There is an inaccurate " CO '' code on the XXXX payment history for this account listed for XX/XX/XXXX, despite the fact that the account was settled at {$0.00} in XX/XX/XXXX. Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ).

2. The " Delinquency First Reported '' date on my XXXX report says " XX/XX/XXXX '' -- which is impossible since it was settled at {$0.00} in XX/XX/XXXX, with XXXX activity since then. This field should say XXXX XXXX, XXXX. Again, this is an illegal act of " re-aging '' the debt. 

Barclays alleges that this information is correct when it is obviously, and illegally, wrong. See attached letter dated XX/XX/XXXX. 

If Barclays can not report this account accurately after multiple disputes sent with full documentation, they must delete the trade-line from my credit reports entirely.

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 2023-02-23
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from the credit bureau indicating that Vance and Hoffman LLC placed a collection on my report dated XX/XX/2022. The original creditor is XXXX XXXX XXXX. This company was sued in multiple states including the state of FL for illegal and fraudulent loan practices. The court ordered XXXX XXXX to notify all consumers who were affected and to remove negative information from their reports. Additionally, I filed a fraud claim with the credit bureaus a few years ago which resulted in a deletion from my report from XXXX XXXX XXXX. I notified the collection company and indicated that they have the wrong information. I did not receive any correspondence or calls from Vance and Hoffman LLC. I called and requested documents to be sent to me. Vance and Hoffman LLC violated the fair debt practices by not informing me in a timely manner. The representative indicated that XXXX XXXX XXXX removed the balances that were ordered by the court, but she is stating that owe the company money which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX is reporting on both Experian and XXXX information that shows inaccurate and conflicting information. Not only have I been shown any information verifying the account does belong to me and not my adult son, but I have yet to see any payment history, any documents with my name on them, or any proof this is actually my account. 
Also, the information being reported by both, is different! They both have two different open dates, and two different active dates. They can both be wrong, but they both can't be right! 

Please remove this account from my credit report, as it is hurting my score. If you are unable to verify and report XXXX percent accurate reports, I want them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding, LLC is reporting a collection account on my credit report that does not belong to me. I don't recognize the reported account. This is a request for the collection to be deleted from XXXX, XXXX, & XXXX. 

I asked the company to validate with a contract and proof of signature. This document doesn't exist, they never provided it because the account isn't mine. I have never had a card with XXXX nor a mastercard with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Several attempts have been made to clear this debt that this company has listed as opened and past due car was totaled out and repossessed by insurance and gap insurance coverage and company has refused to close making negative marks on my credit since 2019

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 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with 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 2022-03-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am a XXXX bank customer. Last XXXX I was caught in a XXXX scam where people impersonating XXXX scammed me out of {$5300.00}. XXXX has not helped, refunded or even returned my calls about the scam. After reading the XXXX XXXX XXXXXXXX article about how common this scam is and how banks do not help or protect customers, i'm reaching out to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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 status incorrect

Complaint:
XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.

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 2023-07-11
Company: FC HoldCo LLC
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 XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


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 2023-09-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In early XXXX, XXXX, I was denied the issuance of a credit card from Ally Bank. Ally Bank did not inform me in writing as to why I was denied the issuance of a credit card. It is my understanding that Federal Law and credit card regulations REQUIRE that the issuer of credit cards provide a written letter as to why I was denied credit.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: VA
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:
fraudulent inquires from the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation