BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX 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 2023-01-20
Company: Cohn & Dussi LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COHN & DUSSI, XXXX contacted me personally about an alleged debt owed by the corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my personal contact information regarding a business account to this third party without my authorization nor prior knowledge. 

Both of these companies have violated my consumer rights and refuse to respond to my dispute request for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: IL
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:
illegally repossessed cars and frozen bank accounts,

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 2023-02-22
Company: National Collection Systems, 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:
Again, this is evidently a company I did not have a contractual relationship with. How are they claiming I owe them a debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had overdraft fees charged to my account that have been incorrect over the years. I have closed my account. Due to this issue.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-22
Company: T.S. Holdings
State: TX
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, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection for XXXX XXXX in the amount of {$960.00} on XX/XX/XXXX via my debit card. They still are sending me emails ( see below ) as of XX/XX/XXXX demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capitol One Credit. 
XXXX I have reached Capitol One Credit dept and all 3 credits bureau to remove the delinquent filed by Capitol one XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, Capitol one purchased Lord and Taylor Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account Lord and Taylor in full and had no issued. 

I was told by Capitol one customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
Capitol one did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted Capitol one and paid the amount due on XX/XX/XXXX. Capitol One file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. Capitol one report is incorrect as there was no balance due on my Lord and Taylor account. Capitol one added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of Capitol one my credit has been tarnished for seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Thursday XX/XX/XXXX at approximately XXXX XXXX Eastern Time i was purchasing my son a baseball bat on AMAZON.COM - ( i made a mistake by falling for a SCAM - as Amazon and Chase " fake '' promotion ). 

They advertise that i would get 20 % off of the purchase if i apply & use the card. However, they defer / don't approve applicants with great / perfect credit. Their would be absolutely NO reason for them to decline me. 

They scammed me out of the 20 % / about {$100.00}. I am over it, but it drives me crazy as they TAKE advantage of population that doesn't understand how credit companies " get rich '' by consumers that consistently pay the 18 - 22 % interest. 

They know they will get the 20 % back " easily ''. 
So they move my application to a " pending '' status so they don't have to give me the 20 %. 

CHASE TAKES ADVANTAGE it's customers!!!!!!! 

My " feeling '' is that are targeting a select " group '' of consumers that have existing credit card balances with a history of making payments. They are " hunting '' for the people that they can XXXX interest out of. Meanwhile - they put the GREAT CREDIT / no existing high interest debt in a " we need more information '' bucket ... It's a SCAM / discrimination / fraudulent advertising, etc ... 

I am so mad that i was denied, as i have NOT been denied for anything in 20 years as i keep my credit impeccable ... Something is WRONG with this. 

It was an " Amazon Rewards Card '' run by CHASE BANK. 

Chase is the company that is scamming / not Amazon ... I don't know who to turn too ... 

Amazon Rewards Card telephone number ( which is really CHASE ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 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 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: ACIMA CREDIT, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out this loan on a XXXX XXXX and Ive paid way over the value of this loan. And fees are outrageous. There is still a payoff amount of {$1600.00} to buy out the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Bread Financial Holdings, Inc.
State: CA
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:
On XX/XX/XXXX, I was enrolled in Comenity Bank 's hardship program due to my financial situation. The enrollment took place over a phone call, during which the agent assured me that my interest rate would be reduced and any late payment charges would be waived. To set up automatic payments, I provided my bank account number and went through multiple verification steps. The call was recorded for customer service purposes, and before ending the call, the agent confirmed that everything was set up correctly. 

However, on XX/XX/XXXX, I received a letter stating that I had not met the payment requirements. Troubled by this, I promptly contacted the bank and was informed that they would investigate the matter and get back to me. Unfortunately, I haven't received any communication from Comenity Bank since then. In the meantime, they reported the late payment to the credit bureau, causing significant damage to my credit score. Despite making multiple calls since XXXX, both Comenity Bank and the credit bureau have failed to assist me, exacerbating the negative impact on my credit. 

I respectfully request that Comenity Bank provide me with a copy of the recorded phone call as evidence of our agreement regarding enrollment in the hardship program. Furthermore, I request that they take immediate action to remove the late payment from my account, as it was a direct result of their failure to fulfill their promises. I also urge the bank to discharge any accrued interest rate charges and late payment fees, considering this situation as a failure of their service. It is my sincere hope that Comenity Bank will rectify this matter promptly and restore my credit to its rightful state. 

Furthermore, I would like to emphasize that the bank 's actions have caused significant stress and hardship in my life. By reporting the late payment to the credit bureau, my credit has been severely damaged, resulting in the inability to obtain loans or credit when needed. It is crucial for Comenity Bank to acknowledge the negative consequences their actions have had on my financial well-being and take appropriate measures to rectify the situation promptly. 

Thank you for your understanding and assistance in conveying this message to the relevant parties. If there is any further information I can provide, please let me know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went to the emergency room at XXXX XXXX, XXXX NC. I received a bill for services dated XX/XX/XXXX for {$900.00} from XXXX XXXX XXXX XXXX. I contacted my insurance carrier XXXX XX/XX/XXXX and was told the in-network bill was paid. I returned the bill stub stating this fact. I received XXXX more statements stating that I owed the {$900.00}. On XX/XX/XXXX I initiated a chat with XXXX with XXXX XXXX XXXX XXXX. I gave her all information she requested and told her XXXX said they had paid the claim. She advised it would take XXXX days. XX/XX/XXXX XXXX XXXX XXXX XXXX sent yet another bill for {$900.00}. XX/XX/XXXX I received a bill from First Point Collection Resources for {$900.00}. I contacted XXXX XXXX my representative for XXXX. He researched the claim and concluded the claim had been settled per the terms with XXXX. I sent his report to First Point and XXXX XXXX. First Point continues to insist that I owe the {$900.00}. I want this cleared up and my credit restored as I have simply followed instructions from my insurance carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2019-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery Associate # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX Balance : {$0.00} 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