BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. 

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report. 

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX  TU 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 of 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am making this complaint because TransUnion sent me an investigation results letter that clearly did not follow my instructions. On XX/XX/, and XXXX/XXXX/XXXX. I XXXX XXXX requested an investigation of an error on my consumer report regarding XXXX XXXX XXXXXXXX. 
I was not disputing this account whether it was mine or not. These XXXX  XXXX XXXX accounts ARE MINE, but are reporting inaccurate. These are the accounts with XXXX  XXXX XXXX # XXXX, and XXXX. The problem with these accounts is that they are inaccurate. XXXX  XXXX XXXX is reporting that these accounts are charged off. I have sent TransUnion documents from the IRS showing them that the IRS definition of a charge off is INCOME. Income doesn't get furnished into anyone 's credit report according to a publication with XXXX. I have contacted XXXX  XXXX XXXX with this issue and their response was the same. So I as a consumer utilize the right to dispute inaccurate information with the CRAs. XXXX  XXXX XXXX must either delete these accounts or report them as paid for less. I am also going to need XXXX  XXXX XXXX to send me my 1099 C for taxes purposes. This is the DATA Furnishers grave dutty. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-08-15
Company: ASSOCIATED BANC-CORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
on XX/XX/XXXX I opened a checking account with Associated Bank ( https : //www.associatedbank.com/ ). On XX/XX/XXXX I used its mobile app to deposit a check of {$4000.00}, addressed to me from my wife from her XXXX XXXX  ( XXXX XXXX XXXX ). The XXXX XXXX  records shows the check has been cashed by Associated bank on XX/XX/XXXX. Around XX/XX/XXXX I found out I can't access my checking account either via the mobile app or the bank website, therefore I called the custom service department, be told that my account is locked and under review, and should be released by XX/XX/XXXX. On XX/XX/XXXX, my account is still locked, I called the custom service department again, and being told that my account is locked by an employee named " XXXX '', and I was transferred to her voice mail. in the voice mail. I asked to her unlock my account so I can access my account. she did not reply my call. Today ( XX/XX/XXXX ), my account is still locked, and the custom service can't do anything except transferring me to XXXX 's voice. I left a voice mail to ask her to unlock my account or call back if she has any concerns about my account. As of now ( XXXX CT ), my account is sill locked and no one from Associate Bank has called me about my account being locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
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 non-monetary relief
Consumer complaint received 2024-01-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
1099a was sent to company to show the debt to be satisp

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 2023-11-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband and I moved out of an apartment in XXXX XXXX XXXX, Utah, in early XX/XX/XXXX. At that time we were told in writing by the management that we would be liable to pay rent only until the unit was re-rented. We left the apartment in move-in condition by having it professionally cleaned, and there was no damage of any kind when we left it. The apartment was indeed re-rented within the same month. 
In XX/XX/XXXX we were contacted by the apartment 's owner with an indication that the balance of the rent was owing. I responded with their XXXX 's email confirming that we were liable only for the period of time the apartment was unoccupied. That's the last I heard on the matter until recently. 
In XX/XX/XXXX I was contacted by Columbia Debt Recovery LLC, dba Genesis. I followed the response instructions in their email, again forwarding all of the information that supported my claim that not only do I not owe them anything, but they owe me for funds not properly returned. There was no response. 
I received another contact from Genesis on XX/XX/XXXX notifying me of the same debt. I replied yet again in the same manner as before. There was no response. 
I recently received a notice from XXXX XXXX that Genesis has reported this debt to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Midwest Recovery Systems
State: SC
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:
Midwest Recovery Systems has placed information on my credit file for an amount of {$300.00}. I have never had a loan with this company and reported it as fraud 6 years ago. This debt has reappeared on my file without notice or reason especially since the statute of limitations for alleged debt has exceeded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2018-03-03
Company: EQUIFAX, INC.
State: MO
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:
Im writing because I have exhausted all efforts to correct my information with Equifax and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The account has been settled, and there is no outstanding balance, yet your bureau continues to report late payments, which is not only misleading but also damaging to my creditworthiness. I insist that you promptly remove the inaccurate late payment information from my credit report and update the account status to accurately reflect its closed and paid status. 
XXXX XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter to rectify the inaccuracies on my credit report. It is unacceptable that your bureau is failing to reflect the true status of this account, especially when other credit bureaus have successfully updated their reports in accordance with the accurate information provided.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-08-16
Company: SYNCHRONY FINANCIAL
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX 2023 I opened a line of credit with symphony credit card to purchase a piece of art on a Norwegian cruise for {$5300.00} dollars. I never received item and began being charged for item I never received. I was in formed XXXX weeks after ordering that my item was finally going to be shipped to me. The item has never been delivered and I have not received nothing. So much time now has gone by that I no longer want the item and want a full refund on my credit card. I have reached out to the credit card company multiple times and was informed all sales are final and that the merchant can still charge me for an item I never received and that I can get a credit to buy something else from them. I do not want a credit to purchase something else. I want the fee off of my credit card.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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.

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 


I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602A. 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.

Also they aren't 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 non-monetary relief
Consumer complaint received 2021-07-11
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sears mastercard ... My credit card # XXXX XXXX XXXX XXXX ... ..Transaction Dispute..The merchant Has " '' Not Provide Any Product or Services '' '' This is Faulty Claim ... ON XX/XX/XXXX ..I, Order a Electric Bike through XXXXtotal amount $ 434.00..Merchand XXXX XXXX  '' ..order # XXXX XXXX ... BUT XXXX Notified IMMEDIATELY that the Merchand was not selling a Electric Bike ... But instead pieces of bikes ... ANd the order was canceled Immediately ... .Ihave never Reguested or Accepted the SErvices from XXXX ... without any permition XXXXXXXX enter on this process ... on XX/XX/XXXX the money Returnded ..BUT XXXX took the money..FOR.. the last 5 mounths I, have been disputing this fraud charges ... My card Sears Mastercard..On XX/XX/XXXX returned..ANd SEARS On XX/XX/XXXX Sented Me a Letter indicating that the MATTER Was RESOLVED ... BUT once Again XXXX, XXXXFAULTY.. issue a second Claim Fot the same Canceled product on XXXX BuT time XX/XX/XXXX that i, have order and Receipted the same BIKE From the same MErchant..THIS IS CORRUPTION, FRAUD,,, and ABUSE, ,of ht highest KIND ... SEARS Has NOT protected Me as a EXCELLENT card Holder ... HAS NOT Protected MY Rights..BY Accepting the SAME FAULTY CLAIM..I, am Holding SEARS and XXXX for VIOLATING MY SECTION 75 OF the CONSUMERS RIGHTS Credit Card ACT 1974 ... I, WANT this Situation Of ABUSE AND CORRUPTION to STOP IMMEDIALY, ,IT IS VERY DISTURBING THE HAVE SEARS MASTERCARD, ,Who Knows what And Excellent Card Member I AM..AND TREATED ME WITH ABUSE AND DISRESPECT OF THAT LEVER ... .RESPECTFULLY 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