BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank 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 explanation
Consumer complaint received 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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 am writing to dispute the following information that kohls has reported wrong kohls shows that they closed a old account that shows up twice on my report with different amount and dates. i have contacted the company and tried to resolve and they told me i would have to contact the credit bureaus which i did and was told i have to contact the collection company and I did to be told i have to have kohls sent the collections a letter. i have been going back and fourth with this for a very long time. 
I have sent letter to kohls and no one has got back to me. 
this is ruind my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter on XX/XX/2020 and mailed it certified. I tracked the letter and noticed that Credence received it on XX/XX/2020. On XX/XX/2020 I realized I had not received a response so I called to request removal of this negative remark on all three of my credit reports. The request was based on the Fair Credit Reporting Act, which says companies have 30 days to investigate disputes and if they can not verify the information within the 30 day time frame, they must delete all of the disputed accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-03
Company: EQUIFAX, INC.
State: AZ
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 XX/XX/2022 I have contacted XXXX, XXXX and Equifax repeatedly over the last two months regarding my Identity theft situation giving them the police report and the deletion letter from one of the Creditors XXXX  and the Credit Reporting Agencies are still reporting inaccurate and misleading information. It is now XX/XX/2022 and the accounts are still not deleted. The Fair Debt Collection Practices Act section 807 refers to false or misleading representation in which the Credit Reporting Agencies are in evident violation of. The following conduct is a violation of this section : 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The Debtor is falsely accusing me of a debt in which I am a victim of in Identity theft and so therefore should be permanently removed form being inaccurately reported. XXXX provided additional statement stating the liability of the debt is not applicable and yet it is being reported on all three credit reporting agencies as means of determent. I am reporting the inaccuracy in reporting, investigation and requesting that within 5 calendar days of this final reporting of this violation that the XXXX, Equifax and XXXX immediately delete the XXXX and XXXX XXXX XXXX accounts immediately as I am in pursuit of seeking litigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I initiated a dispute with Transunion because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and TransUnion and XXXX reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX XXXX. I pay my balances every month. I am tired of being XXXX  by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
XXXX XXXX XXXX, XXXX XXXX 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 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 2023-02-20
Company: Atlanticus Services Corporation
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 information incorrect

Complaint:
The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. 
My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Telerecovery Corporation
State: LA
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:
In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received one bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to Tele Recovery to the way the credit bureaus ( XXXX and XXXX ) handled the whole thing. This issue dropped my score from over XXXX to mid XXXX and now I have a derogatory mark on my report for nothing.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent a letter to XXXX, Transunion and XXXX on XX/XX/2023 my tracking numbers where for XXXX XXXX .... for transunion XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX However they said that they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. this account has several inaccuracies and this account needs to be deleted right now

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking XXXX 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 2022-02-01
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
was never informed of the mltiple charges, despite having full heatlh coverage as well XXXX room co pay which was paid at time of service around XX/XX/2020

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 2022-10-07
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: NC
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:
In XXXX XXXX, I opened a build.com credit card ( Comenity Capital Bank ) with XXXX to purchase appliances. I purchased a refrigerator/freezer set in XXXX XXXX ( from XXXX and charged it to my build.com credit card ( {$5200.00} total : each item {$2600.00} ). In XX/XX/XXXX I received notification my units were shipping. Only one unit came and it came with a big gash in the side. I refused delivery. I contacted XXXX and was told the set was discontinued ; therefore, I requested to refund both items since part of the set was damaged and now discontinued I couldn't get the matching pair like I ordered ; I also said to make sure my card was zeroed out before any payments were past due ( I was assured they would be ). I received two emails confirming refunds of each item ( one email on XX/XX/XXXX and XXXX email on XX/XX/XXXX ). In XXXX I received a collection call from Comenity Bank about a late payment. I told them both items were supposed to be refunded back to the card so no payments should be due. Apparently only one item ( {$2600.00} ) was refunded back to the card when I called in XXXX. I contacted XXXX about the issue of only item being refunded. XXXX then refunded the other item to the card ( end of XXXX- a month after I requested the refunds due to damaged/discontinued item ). In XXXX, Comenity Bank sent bill stating I still owed {$71.00} in fees. I contacted XXXX and Comenity Bank with no resolutions. On XX/XX/XXXX, Comenity Bank called again about a late payment. I told them I should never have had a payment for any late fees to be added to. They reduced the fees from {$71.00} to {$31.00}. I filed a dispute with Comenity Bank about the remaining {$31.00} because I should never have had any payments, fees, etc. because at his point, all I have is wasted time and frustration - no purchased items. So I am stuck with {$31.00} in fees because XXXX didn't refund both items in XXXX ( even though I have confirmation emails ). No other purchases have been made with this card ( before or after ). 

Note : I only saw one of the two units ( the one that came in damaged ). The second unit was never delivered to me nor did I get a delivery attempt. I never saw the second unit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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:
I filled a dispute to XXXX, Equifax, and XXXX  on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A prior complaint was submitted which bears your number XXXX. Substantial funds were stolen from the account of a senior citizen, XXXX XXXX, at the Chase branch located in XXXX XXXX, California. Chase paid back 60 days worth of funds although six months of funds were taken through fraudulent electronic transfers. The terms and conditions of the agreement between the customer and Chase requires Chase to share with the customer the records/documents it uncovers and has from its investigation. Chase has failed and refused to share anything in that regard at all, despite repeated requests for months. Chase in fact refuses and fails to communicate with our efforts- by fax, by email and phone. The person supposedly handling this is someone at Chase Executive named XXXX - their Case # XXXX XXXX, her phone XXXX ) XXXX XXXX ext XXXX. Email : XXXX. She appears to be a phantom or engaged in intentional stonewalling. To make matters worse, Chase claims the account was changed to non-paper, at some point, then changed back. Chase does not reveal who made these alleged changes- it was not the customer. Finding out who engaged in that subterfuge let alone who stole the funds is vital of course but Chase refuses and fails to communicate at all with my offices or that of my colleague. Does this mean Chase has knowledge that it was one of their own who aided and abetted this theft of over {$140000.00} from the senior citizen 's account? Please help us get to the bottom of this by making sure Chase follows its own terms and conditions and shows us the records that purport to demonstrate someone changed the account from paper to paperless, and then back, and what Chase has found as to who did this dastardly criminal deed. It transpired under Chase 's nose from XX/XX/XXXX through XX/XX/XXXX. Chase is stiff arming its own customer. On your web site, folks at CFPB, there are other matters similar to this, and time and time again people complain about Chase refusing to communicate. This is clearly a pattern by Chase. Let 's have it end here, please!

Company response to consumer: Closed with explanation