BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report and are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

account : XXXX account number : XXXX Amount : {$600.00} account : XXXX account number : XXXX Amount : {$570.00} account : XXXX XXXX account number : XXXX Amount : {$600.00} account : XXXX XXXX account number : XXXX Amount : {$570.00} In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2022-12-04
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting a closed account with a balance owed. 

The account is from XXXX XXXX XXXX. 
This account has been settled since last year and Equifax is not doing a good job reporting accurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: LA
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 sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # 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 2022-05-30
Company: Experian Information Solutions 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 sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  XXXX Balance : {$440.00}

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 2021-09-17
Company: Apelles, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am receiving phone calls of harassment, abusive and profane language, and threats of jail, prison and death from Apelles Debt Collection Representatives for the following Apelles Account : XXXX from XXXX XXXX. The account is a fraudulent account and not my account, and is the result of identity theft. I never applied for or opened up an account with XXXX XXXX. Apelles is violating the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly harassing and threatening me with death and jail for a fraudulent account thats not my account, and is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My only name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I should not have any company for employment on my credit report but it shows mutiple ones, names, and address that should not be there. My personal information is simply as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
NO OTHER NAMES, ADDRESS, JOBS, OR ACCOUNTS SHOULD BE ON MY CREDIT REPORT AND PERSONAL 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 2022-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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 2022-12-04
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I have submitted several complaints against best buy CBNA, My last dispute was handled by XXXX XXXX who was highly upset regarding my dispute which they were in fact reporting inaccurately! He decided to report more inaccurate information to the credit bureau regarding my paid off closed account which made my score drop 40 points. That was fraudulent and he had no right reporting any new information on an account that was paid off and closed 5 years ago!

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 2022-11-25
Company: EQUIFAX, INC.
State: IL
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 U.S.C. 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 602 : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681c ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1A ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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: Account status incorrect

Complaint:
Child support reported me to be in collections for a case that child support was paid directly from my work checks during the same months it was being reported as a collection improperly. 
This has cause me to lose are large portion of available credit and damaged my perfect credit history. I have been trying for 4 years to get this resolved without succaess.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX  XXXX   Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL 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 2023-03-19
Company: Upgrade, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I informed them back on XX/XX/XXXX of my hardship due to XXXX I could not continue to work and if they could please place me on a hardship payment plan I was told by the representative that I spoke with that they had no such program and that I most go elsewhere and take out a loan to pay them off in full. I continue to contact them via email and by phone and mo one reached out to me and continued to submit the automatic payment thru my bank which consisted of {$700.00} monthly and of course the payment was being returned because I do not have the money my annual income went from roughly {$110000.00} annually to {$54000.00} and to make matters worse my mortgage payment have gone up from {$2800.00} to {$3600.00} due to escrow shortage. My wife is also suffering from XXXX XXXX  and unable to afford XXXX XXXXXXXX. Finally this month I heard back from Upgrade after reaching out to pay them {$200.00} monthly they came back with three payoff offers that I could not afford and instead threatened me with accelerated payment in full I called them again and repeated that all I could afford is $ 200 monthly and this time they agreed for me to pay {$210.00} but for only 3 months and the difference of {$490.00} plus interest and late fee will be added to the loan balance I dont know what to do after XX/XX/XXXX when the 3 months is up and all that additional fee is added to my loan balance. 
Please Advise me. Thank you and God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a credit card from capital one bank. I had gotten the card in the year I think between ( XXXX or XXXX ) I have been paying them well each month and I did have problems from the beginning I send my payment a long ahead of time my first payment they had gotten it and lied claimed they didn't was holding it and tried to charge me a late charge and already had my payment. Secondly I had started seeing them charging me double for the same bill. And this had been going on since ( XXXX ) I caught it and asked them to return my money that they are charging me double and they denied it and I told them it's illegal and it's ( fraud ) I always had trouble and problems with them sending my monthly statements they always refused me my monthly statements and that tells you then they are not fair and charging people 's double payments. So I finally got paperwork from them but not all my payments statements i been paying A ( XXXX ) credit card fee since ( XXXX or XXXX ) and now it's ( XXXX  ) I caught them defrauding my account charging double I have been paying them ( XXXX a month all this time ). Now in the one statement they sent me they included another person bill threatening me to pay it! Never heard if this person in my whole entire life! Something is wrong with ( capital one bank and their fraud illegal dealings. What on earth is wrong with these people 's needs XXXX XXXX! The answer no! They are just plain to the eyes thieves cheaters and robbery. How can I file an abrivbration against them for false charging and pressing and threatening me to pay a stranger bill with a one statement they sent me since I got the card! Let me tell you this company is a fraud they closed my card because I filed a complaint against them and did not call me or write me about it! And I am still sending them payments. I pay them good every month early and never missed a payment. And they still not sending me my statements for payments. How can I sue them and they needs to be investgated and taken to court fined and be put in prison. This is fraud and very upsetting sending me another human being bills and refuse to send me my bill statements this! Insane and fraud.

Company response to consumer: Closed with explanation